Park City Credit Union Mortgage Rates, Fees & Info
,LEI: 25490083W7Y4A2H1H078
Tax ID: 39-0905063
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Mortgage Data
Review & Overview
Park City Credit Union is a smaller credit union specializing in Cash Out Refi and Home Purchase loans. Park City Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Wausau, Stevens Point, Oshkosh, Janesville, and Eau Claire among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Park City Credit Union has an above average approval rate when compared to the average across all lenders.
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Originations
229Origination Dollar Volume (All Markets)
$31,925,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 111 | $16,345,000 | $147,252 | $0 | 0.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 111 | $14,075,000 | $126,802 | $0 | 0.00% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Shawano, WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 229 | $31,925,000 | $139,410 | $0 | 0.00% |
For 2022, Park City Credit Union's most frequently originated type of loan was Conventional, with 229 originations.
Loan Reason
For 2022, Park City Credit Union's most frequently cited loan purpose was Cash Out Refi, with 108 originations. The 2nd most popular reason was Home Purchase, with 58 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 229 | $31,925,000 | $139,410 | $0 | 0.00% |
For 2022, Park City Credit Union's most frequently cited loan duration was Other, with 229 originations.
Loan Sizing
2022 saw Park City Credit Union place emphasis on $100,000 or less loans with 109 originations, totaling $5,955,000 in origination value.
Applicant Income
Park City Credit Union lent most frequently to those with incomes in the $50k-75k range, with 56 originations. The second most popular income band? $50k or less, with 50 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 229 | $31,925,000 | $139,410 | $0 | 0.00% |
Park City Credit Union lent most frequently to those with DTI ratios of Exempt%, with 229 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Park City 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 | 229 | $31,925,000 | $139,410 |