Upper Darby Belltelco Federal Credit Union Mortgage Rates, Fees & Info

UPPER DARBY, PA

LEI: 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

54

Origination Dollar Volume (All Markets)

$3,170,000

Top 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
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%
Upper Darby Belltelco Federal Credit Union's top markets include Philadelphia and Allentown among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • 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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 18 $1,180,000 $65,556 $0 0.00%
    $100k-150k 14 $650,000 $46,429 $0 0.00%
    $50k-75k 11 $685,000 $62,273 $0 0.00%
    $50k or less 7 $475,000 $67,857 $0 0.00%
    $150k-250k 4 $180,000 $45,000 $0 0.00%

    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 applications
    100.00%

    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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 54 $3,170,000 $58,704

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 54 $3,170,000 $58,704