Upper Darby Belltelco Federal Credit Union Mortgage Rates, Fees & Info
UPPER DARBY, PALEI: 25490040IBIKTOL1DJ85
Tax ID: 23-1582345
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Upper Darby Belltelco Federal Credit Union is a smaller credit union specializing in Other and Home Improvement loans. Upper Darby Belltelco Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Salisbury, Lancaster, and Ocean City among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)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)
$3,670,000Top 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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 51 | $3,535,000 | $69,314 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 54 | $3,670,000 | $67,963 | $0 | 0.00% |
For 2022, 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 |
|---|---|---|---|---|---|
| Other | 30 | $2,260,000 | $75,333 | $0 | 0.00% |
| Home Improvement | 23 | $1,385,000 | $60,217 | $0 | 0.00% |
| Refi | 1 | $25,000 | $25,000 | $0 | 0.00% |
For 2022, Upper Darby Belltelco Federal Credit Union's most frequently cited loan purpose was Other, with 30 originations. The 2nd most popular reason was Home Improvement, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 54 | $3,670,000 | $67,963 | $0 | 0.00% |
For 2022, Upper Darby Belltelco Federal Credit Union's most frequently cited loan duration was Other, with 54 originations.
Loan Sizing
2022 saw Upper Darby Belltelco Federal Credit Union place emphasis on $100,000 or less loans with 44 originations, totaling $2,030,000 in origination value.
Applicant Income
Upper Darby Belltelco Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 17 originations. The second most popular income band? $75k-100k, with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 54 | $3,670,000 | $67,963 | $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 | 30 | $2,030,000 | $67,667 | $0 | 0.00% |
| Black | 23 | $1,505,000 | $65,435 | $0 | 0.00% |
| Asian | 1 | $135,000 | $135,000 | $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 | $3,670,000 | $67,963 |