Upper Darby Belltelco Federal Credit Union Mortgage Rates, Fees & Info
UPPER DARBY, PALEI: 25490040IBIKTOL1DJ85
Tax ID: 23-1582345
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Mortgage Data
Review & Overview
Upper Darby Belltelco Federal Credit Union is a smaller credit union specializing in Home Improvement and Other loans. Upper Darby Belltelco Federal Credit Union has a high proportion of conventional loans. Their top two markets are Philadelphia and Allentown .Upper Darby Belltelco Federal Credit Union has an above average approval rate when compared to the average across all lenders.
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Originations
54Origination Dollar Volume (All Markets)
$3,170,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 51 | $3,005,000 | $58,922 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 54 | $3,170,000 | $58,704 | $0 | 0.00% |
For 2019, Upper Darby Belltelco Federal Credit Union's most frequently originated type of loan was Conventional, with 54 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Improvement | 30 | $1,630,000 | $54,333 | $0 | 0.00% |
| Other | 19 | $1,225,000 | $64,474 | $0 | 0.00% |
| Refi | 5 | $315,000 | $63,000 | $0 | 0.00% |
For 2019, Upper Darby Belltelco Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 30 originations. The 2nd most popular reason was Other, with 19 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 54 | $3,170,000 | $58,704 | $0 | 0.00% |
For 2019, Upper Darby Belltelco Federal Credit Union's most frequently cited loan duration was Other, with 54 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 43 | $1,735,000 | $40,349 | $0 | 0.00% |
| $100k-200k | 11 | $1,435,000 | $130,455 | $0 | 0.00% |
2019 saw Upper Darby Belltelco Federal Credit Union place emphasis on $100,000 or less loans with 43 originations, totaling $1,735,000 in origination value.
Applicant Income
Upper Darby Belltelco Federal Credit Union lent most frequently to those with incomes in the $75k-100k range, with 18 originations. The second most popular income band? $100k-150k, with 14 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 54 | $3,170,000 | $58,704 | $0 | 0.00% |
Upper Darby Belltelco Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 54 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 38 | $2,390,000 | $62,895 | $0 | 0.00% |
| Black | 15 | $735,000 | $49,000 | $0 | 0.00% |
| Asian | 1 | $45,000 | $45,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
Upper Darby Belltelco Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 54 | $3,170,000 | $58,704 |