Unitus Community Credit Union Mortgage Rates, Fees & InfoPortland, OR
Tax ID: 93-0243503
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewUnitus Community Credit Union is a smaller credit union specializing in Home Purchase loans. Unitus Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Salem, Albany, Hermiston, and Bend among others. We have data for 39 markets. (Some data included below & more in-depth data is available with an active subscription.)
Unitus Community Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Unitus Community Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.27%||12/4/23|
|30 Year Conventional Purchase||6.68%||12/4/23|
|30 Year Conventional Refi||6.30%||12/4/23|
|30 Year Cash-out Refi||6.30%||12/4/23|
|15 Year Conventional Purchase||5.74%||12/4/23|
|15 Year Conventional Refi||5.82%||12/4/23|
|15 Year Cash-out Refi||5.82%||12/4/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Unitus Community Credit Union Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Unitus Community Credit Union. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$233,365,000
Unitus Community Credit Union's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.22%.
Relative Fees (Closing Costs)
Unitus Community Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,170.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA)||879||$161,465,000||$183,692||$5,242||4.85%|
|SALEM, OR (FHA|USDA|VA)||112||$24,170,000||$215,804||$4,105||5.07%|
|ALBANY-LEBANON, OR (FHA|USDA|VA)||19||$11,685,000||$615,000||$4,231||5.30%|
|Hermiston-Pendleton, OR (FHA|USDA|VA)||2||$8,270,000||$4,135,000||$0||4.30%|
|Outside of Metro Areas||17||$4,555,000||$267,941||$7,075||5.07%|
|BEND, OR (FHA|USDA|VA)||17||$3,815,000||$224,412||$4,887||4.91%|
|Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA)||10||$2,890,000||$289,000||$5,921||5.83%|
|EUGENE-SPRINGFIELD, OR (FHA|USDA|VA)||11||$2,415,000||$219,545||$5,404||4.53%|
|Astoria, OR (FHA|USDA|VA)||5||$1,735,000||$347,000||$0||4.89%|
|Prineville, OR (FHA|USDA|VA)||2||$1,080,000||$540,000||$7,750||3.38%|
|LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)||3||$855,000||$285,000||$4,381||4.21%|
|Newport, OR (FHA|USDA|VA)||5||$815,000||$163,000||$4,428||4.74%|
|LONGVIEW, WA (FHA|USDA|VA)||5||$735,000||$147,000||$4,576||5.97%|
|CORVALLIS, OR (FHA|USDA|VA)||3||$725,000||$241,667||$3,677||5.62%|
|YAKIMA, WA (FHA|USDA|VA)||3||$665,000||$221,667||$5,041||4.33%|
|Klamath Falls, OR (FHA|USDA|VA)||4||$650,000||$162,500||$3,137||5.31%|
|San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA)||1||$645,000||$645,000||$4,930||3.75%|
|Roseburg, OR (FHA|USDA|VA)||3||$615,000||$205,000||$5,134||5.33%|
|KENNEWICK-RICHLAND, WA (FHA|USDA|VA)||3||$545,000||$181,667||$4,518||3.41%|
|PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA)||2||$540,000||$270,000||$6,569||4.19%|
|The Dalles, OR (FHA|USDA|VA)||4||$500,000||$125,000||$4,717||4.72%|
|MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA)||1||$405,000||$405,000||$5,147||5.63%|
|Eureka-Arcata, CA (FHA|USDA|VA)||1||$405,000||$405,000||$4,850||4.63%|
|Payson, AZ (FHA|USDA|VA)||1||$355,000||$355,000||$6,008||4.00%|
|WENATCHEE, WA (FHA|USDA|VA)||1||$355,000||$355,000||$4,438||2.88%|
|Pahrump, NV (FHA|USDA|VA)||1||$345,000||$345,000||$4,610||7.50%|
|RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA)||1||$325,000||$325,000||$10,782||3.88%|
|Shelton, WA (FHA|USDA|VA)||1||$265,000||$265,000||$9,210||5.50%|
|BOISE CITY, ID (FHA|USDA|VA)||2||$260,000||$130,000||$6,942||5.68%|
|Clearlake, CA (FHA|USDA|VA)||1||$255,000||$255,000||$7,106||2.88%|
|GRANTS PASS, OR (FHA|USDA|VA)||1||$255,000||$255,000||$0||6.49%|
|La Grande, OR (FHA|USDA|VA)||2||$200,000||$100,000||$3,292||4.18%|
|IDAHO FALLS, ID (FHA|USDA|VA)||1||$195,000||$195,000||$3,000||4.38%|
|BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA)||2||$130,000||$65,000||$0||5.99%|
|SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA)||1||$75,000||$75,000||$0||3.99%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||1||$55,000||$55,000||$0||4.99%|
|Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)||1||$45,000||$45,000||$0||5.74%|
|REDDING, CA (FHA|USDA|VA)||1||$45,000||$45,000||$0||5.99%|
|SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA)||1||$25,000||$25,000||$0||6.49%|
We use machine learning to identify the top lenders compared against Unitus Community Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Unitus Community Credit Union's most frequently originated type of loan was HELOC, with 700 originations. Their 2nd most popular type was Conventional, with 431 originations.
For 2022, Unitus Community Credit Union's most frequently cited loan purpose was Home Improvement, with 520 originations. The 2nd most popular reason was Home Purchase, with 244 originations.
For 2022, Unitus Community Credit Union's most frequently cited loan duration was 30 Year, with 1,057 originations. The 2nd most popular length was 10 Year, with 29 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Unitus Community Credit Union's average total fees were $5,170, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 138 originations.
During 2022, Unitus Community Credit Union's average interest rate for loans was 4.98%, while their most frequently originated rate bucket for loans was 3-4%, with 380 originations.
2022 saw Unitus Community Credit Union place emphasis on $100,000 or less loans with 523 originations, totaling $25,665,000 in origination value.
Unitus Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 317 originations. The second most popular income band? $150k-250k, with 269 originations.
Applicant Debt to Income Ratio
Unitus Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 199 originations. The next most common DTI ratio? 30-36%, with 185 originations.
Approval RatesTotal approvals of all applications
Unitus Community Credit Union has a below average approval rate.
Pick RateApprovals leading to origination
Unitus Community Credit Union has a below average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|