Yolo Federal Credit Union Mortgage Rates, Fees & Info
Woodland, CALEI: 254900EHOJ91PS23E696
Tax ID: 94-1432367
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Mortgage Data
Review & Overview
Yolo Federal Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Yolo Federal Credit Union has a high proportion of conventional loans. Their top two markets are Sacramento and Vallejo .Yolo Federal 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. They typically have about average rates.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 11/22/24 |
| 30 Year Conventional Refi | 6.27% | 11/22/24 |
| 30 Year Cash-out Refi | 6.27% | 11/22/24 |
| 15 Year Conventional Refi | 5.68% | 11/22/24 |
| 15 Year Cash-out Refi | 5.68% | 11/22/24 |
| 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. | ||
Yolo Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
128Origination Dollar Volume (All Markets)
$25,650,000Top 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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 122 | $23,880,000 | $195,738 | $0 | 4.67% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $0 | 4.72% |
| Outside of Metro Areas | 2 | $560,000 | $280,000 | $0 | 4.06% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 128 | $25,650,000 | $200,391 | $0 | 4.66% |
For 2019, Yolo Federal Credit Union's most frequently originated type of loan was Conventional, with 128 originations.
Loan Reason
For 2019, Yolo Federal Credit Union's most frequently cited loan purpose was Refi, with 46 originations. The 2nd most popular reason was Other, with 31 originations.
Loan Duration/Length
For 2019, Yolo Federal Credit Union's most frequently cited loan duration was 30 Year, with 41 originations. The 2nd most popular length was 20 Year, with 38 originations.
Origination Fees/Closing Costs
Yolo Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 37 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 53 | $7,405,000 | $139,717 |
| 3-4% | 39 | $12,935,000 | $331,667 |
| 5-6% | 15 | $1,515,000 | $101,000 |
| 7-8% | 12 | $1,160,000 | $96,667 |
| 2.5-3% | 9 | $2,635,000 | $292,778 |
During 2019, Yolo Federal Credit Union's average interest rate for loans was 3.86%, while their most frequently originated rate bucket for loans was 4-5%, with 53 originations.
Loan Sizing
2019 saw Yolo Federal Credit Union place emphasis on $100,000 or less loans with 44 originations, totaling $2,640,000 in origination value.
Applicant Income
Yolo Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 30 originations. The second most popular income band? $50k-75k, with 28 originations.
Applicant Debt to Income Ratio
Yolo Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 37 originations. The next most common DTI ratio? 30-36%, with 26 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications75.39%
Yolo Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination87.50%
Yolo Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1000.41 | 1 | $95,000 | $95,000 |
| 1074.33 | 1 | $355,000 | $355,000 |
| 1085.62 | 1 | $315,000 | $315,000 |
| 1158.22 | 1 | $115,000 | $115,000 |
| 1182.28 | 1 | $165,000 | $165,000 |
| 1231.39 | 1 | $105,000 | $105,000 |
| 1242.82 | 1 | $225,000 | $225,000 |
| 1253.46 | 1 | $115,000 | $115,000 |
| 1303.32 | 1 | $205,000 | $205,000 |
| 1319.73 | 1 | $235,000 | $235,000 |
| 1340.73 | 1 | $235,000 | $235,000 |
| 1366.44 | 1 | $155,000 | $155,000 |
| 1380.69 | 1 | $295,000 | $295,000 |
| 1411.75 | 1 | $135,000 | $135,000 |
| 1424.95 | 1 | $255,000 | $255,000 |
| 1505.6 | 1 | $225,000 | $225,000 |
| 1526.73 | 1 | $175,000 | $175,000 |
| 1550.55 | 1 | $155,000 | $155,000 |
| 1696.0 | 1 | $285,000 | $285,000 |
| 1729.92 | 1 | $265,000 | $265,000 |
| 1750.86 | 1 | $305,000 | $305,000 |
| 1779.18 | 1 | $185,000 | $185,000 |
| 1797.64 | 1 | $355,000 | $355,000 |
| 1802.73 | 1 | $235,000 | $235,000 |
| 1869.46 | 1 | $265,000 | $265,000 |
| 187.86 | 1 | $65,000 | $65,000 |
| 1916.06 | 1 | $325,000 | $325,000 |
| 1964.9 | 1 | $305,000 | $305,000 |
| 1986.58 | 1 | $285,000 | $285,000 |
| 1999.42 | 1 | $255,000 | $255,000 |
| 2021.42 | 1 | $265,000 | $265,000 |
| 2075.89 | 1 | $275,000 | $275,000 |
| 2076.38 | 1 | $475,000 | $475,000 |
| 2108.18 | 1 | $455,000 | $455,000 |
| 2159.67 | 1 | $545,000 | $545,000 |
| 2206.88 | 1 | $375,000 | $375,000 |
| 2364.26 | 1 | $295,000 | $295,000 |
| 243.0 | 1 | $75,000 | $75,000 |
| 2447.04 | 1 | $325,000 | $325,000 |
| 246.57 | 1 | $35,000 | $35,000 |
| 250.27 | 1 | $25,000 | $25,000 |
| 250.55 | 1 | $115,000 | $115,000 |
| 2536.44 | 1 | $345,000 | $345,000 |
| 2599.24 | 1 | $295,000 | $295,000 |
| 2610.75 | 1 | $395,000 | $395,000 |
| 2650.58 | 1 | $695,000 | $695,000 |
| 278.76 | 1 | $35,000 | $35,000 |
| 280.99 | 1 | $35,000 | $35,000 |
| 286.23 | 1 | $115,000 | $115,000 |
| 2893.26 | 1 | $605,000 | $605,000 |
| 290.27 | 1 | $55,000 | $55,000 |
| 290.9 | 1 | $65,000 | $65,000 |
| 2924.38 | 1 | $215,000 | $215,000 |
| 297.41 | 1 | $35,000 | $35,000 |
| 300.96 | 1 | $65,000 | $65,000 |
| 3144.06 | 1 | $375,000 | $375,000 |
| 314.92 | 1 | $345,000 | $345,000 |
| 3168.19 | 1 | $465,000 | $465,000 |
| 3177.53 | 1 | $745,000 | $745,000 |
| 3189.61 | 1 | $375,000 | $375,000 |
| 3208.81 | 1 | $515,000 | $515,000 |
| 327.37 | 1 | $65,000 | $65,000 |
| 328.97 | 1 | $35,000 | $35,000 |
| 3296.58 | 1 | $285,000 | $285,000 |
| 3476.79 | 1 | $415,000 | $415,000 |
| 350.32 | 1 | $25,000 | $25,000 |
| 356.03 | 1 | $115,000 | $115,000 |
| 363.37 | 1 | $15,000 | $15,000 |
| 370.03 | 1 | $45,000 | $45,000 |
| 370.08 | 1 | $55,000 | $55,000 |
| 370.77 | 1 | $65,000 | $65,000 |
| 376.34 | 1 | $95,000 | $95,000 |
| 381.29 | 1 | $305,000 | $305,000 |
| 392.67 | 1 | $65,000 | $65,000 |
| 403.51 | 1 | $75,000 | $75,000 |
| 408.13 | 1 | $105,000 | $105,000 |
| 411.79 | 1 | $105,000 | $105,000 |
| 412.18 | 1 | $105,000 | $105,000 |
| 4170.45 | 1 | $455,000 | $455,000 |
| 4187.68 | 1 | $565,000 | $565,000 |
| 421.07 | 1 | $65,000 | $65,000 |
| 421.24 | 1 | $35,000 | $35,000 |
| 426.93 | 1 | $45,000 | $45,000 |
| 444.74 | 1 | $65,000 | $65,000 |
| 449.71 | 1 | $55,000 | $55,000 |
| 451.18 | 1 | $55,000 | $55,000 |
| 451.27 | 1 | $35,000 | $35,000 |
| 4513.58 | 1 | $635,000 | $635,000 |
| 475.35 | 1 | $25,000 | $25,000 |
| 481.73 | 1 | $65,000 | $65,000 |
| 481.82 | 1 | $115,000 | $115,000 |
| 505.14 | 1 | $75,000 | $75,000 |
| 506.38 | 1 | $75,000 | $75,000 |
| 506.41 | 1 | $105,000 | $105,000 |
| 513.53 | 1 | $75,000 | $75,000 |
| 514.88 | 1 | $105,000 | $105,000 |
| 516.63 | 1 | $165,000 | $165,000 |
| 528.04 | 1 | $95,000 | $95,000 |
| 528.63 | 1 | $55,000 | $55,000 |
| 530.44 | 1 | $85,000 | $85,000 |
| 533.99 | 1 | $45,000 | $45,000 |
| 538.56 | 1 | $75,000 | $75,000 |
| 544.53 | 1 | $245,000 | $245,000 |
| 5476.23 | 1 | $345,000 | $345,000 |
| 5923.84 | 1 | $785,000 | $785,000 |
| 594.18 | 1 | $85,000 | $85,000 |
| 599.82 | 1 | $95,000 | $95,000 |
| 633.67 | 1 | $155,000 | $155,000 |
| 636.07 | 1 | $145,000 | $145,000 |
| 638.9 | 1 | $85,000 | $85,000 |
| 656.0 | 1 | $75,000 | $75,000 |
| 676.52 | 1 | $125,000 | $125,000 |
| 676.85 | 1 | $55,000 | $55,000 |
| 680.84 | 1 | $105,000 | $105,000 |
| 7863.64 | 1 | $285,000 | $285,000 |
| 812.58 | 1 | $265,000 | $265,000 |
| 824.47 | 1 | $155,000 | $155,000 |
| 837.29 | 1 | $205,000 | $205,000 |
| 846.78 | 1 | $275,000 | $275,000 |
| 874.0 | 1 | $105,000 | $105,000 |
| 933.26 | 1 | $125,000 | $125,000 |
| 956.34 | 1 | $125,000 | $125,000 |
| 965.48 | 1 | $95,000 | $95,000 |
| 966.01 | 1 | $155,000 | $155,000 |
| 968.9 | 1 | $115,000 | $115,000 |
| 972.37 | 1 | $115,000 | $115,000 |
| 979.79 | 1 | $175,000 | $175,000 |
| 996.3 | 1 | $285,000 | $285,000 |