Unitus Community Credit Union Mortgage Rates, Fees & Info
Portland, ORLEI: 2549001IK7UDPADKAG34
Tax ID: 93-0243503
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Mortgage Data
Review & Overview
Unitus Community Credit Union is a smaller credit union specializing in Cash Out Refi, Refi, and Home Purchase loans. Unitus Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Salem, Bend, Seattle, and Longview among others. We have data for 48 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/18/24 |
| 30 Year Conventional Purchase | 6.68% | 4/18/24 |
| 30 Year Conventional Refi | 6.30% | 4/18/24 |
| 30 Year Cash-out Refi | 6.30% | 4/18/24 |
| 15 Year Conventional Purchase | 5.74% | 4/18/24 |
| 15 Year Conventional Refi | 5.82% | 4/18/24 |
| 15 Year Cash-out Refi | 5.82% | 4/18/24 |
| 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
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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.
Originations
1,664Origination Dollar Volume (All Markets)
$365,560,000Top Markets
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) | 1,281 | $281,655,000 | $219,871 | $4,739 | 3.33% |
| SALEM, OR (FHA|USDA|VA) | 179 | $36,265,000 | $202,598 | $4,722 | 3.17% |
| BEND, OR (FHA|USDA|VA) | 21 | $7,075,000 | $336,905 | $4,721 | 3.22% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $5,125,000 | $341,667 | $6,007 | 3.23% |
| Outside of Metro Areas | 24 | $4,850,000 | $202,083 | $3,798 | 3.08% |
| LONGVIEW, WA (FHA|USDA|VA) | 12 | $2,970,000 | $247,500 | $4,950 | 3.45% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $2,785,000 | $253,182 | $3,703 | 3.22% |
| Astoria, OR (FHA|USDA|VA) | 10 | $2,590,000 | $259,000 | $6,151 | 3.15% |
| CORVALLIS, OR (FHA|USDA|VA) | 6 | $2,270,000 | $378,333 | $4,988 | 3.27% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 13 | $2,075,000 | $159,615 | $3,922 | 3.20% |
| The Dalles, OR (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $9,027 | 3.48% |
| Newport, OR (FHA|USDA|VA) | 11 | $1,855,000 | $168,636 | $5,030 | 3.58% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 10 | $1,460,000 | $146,000 | $4,428 | 3.41% |
| Centralia, WA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $3,248 | 3.34% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $3,725 | 3.00% |
| Hood River, OR (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $4,189 | 3.62% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,811 | 2.78% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,405 | 3.04% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $5,559 | 3.15% |
| La Grande, OR (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,551 | 3.19% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,928 | 2.88% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,708 | 3.06% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,479 | 4.13% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,788 | 2.81% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,008 | 3.19% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,283 | 2.63% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,783 | 2.91% |
| Klamath Falls, OR (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $7,793 | 4.24% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,347 | 3.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,108 | 3.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,347 | 2.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 3.99% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,721 | 2.50% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.49% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.99% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,283 | 3.18% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,051 | 3.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.49% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.49% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,265 | 3.12% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.49% |
| Prineville, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.49% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,056 | 2.63% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,865 | 3.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.49% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.49% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.49% |
| RENO, NV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.49% |
Similar Lenders
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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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,032 | $317,330,000 | $307,490 | $4,707 | 2.98% |
| HELOC | 632 | $48,230,000 | $76,313 | n/a | 3.83% |
For 2021, Unitus Community Credit Union's most frequently originated type of loan was Conventional, with 1,032 originations. Their 2nd most popular type was HELOC, with 632 originations.
Loan Reason
For 2021, Unitus Community Credit Union's most frequently cited loan purpose was Home Improvement, with 461 originations. The 2nd most popular reason was Cash Out Refi, with 388 originations.
Loan Duration/Length
For 2021, Unitus Community Credit Union's most frequently cited loan duration was 30 Year, with 1,350 originations. The 2nd most popular length was 15 Year, with 200 originations.
Origination Fees/Closing Costs
Unitus Community Credit Union's average total fees were $4,961, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 356 originations.
Interest Rates
During 2021, Unitus Community Credit Union's average interest rate for loans was 3.45%, while their most frequently originated rate bucket for loans was 3-4%, with 912 originations.
Loan Sizing
2021 saw Unitus Community Credit Union place emphasis on $200k-400k loans with 606 originations, totaling $175,410,000 in origination value.
Applicant Income
Unitus Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 400 originations. The second most popular income band? $75k-100k, with 346 originations.
Applicant Debt to Income Ratio
Unitus Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 377 originations. The next most common DTI ratio? 30-36%, with 299 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.32%
Unitus Community Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination78.97%
Unitus Community Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,664 | $365,560,000 | $219,688 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Unitas Lending, LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |