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 Cash Out Refi loans. Yolo Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Vallejo, Truckee, and Yuba City among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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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
Your Estimates
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This is not an official calculator from Yolo Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
352Origination Dollar Volume (All Markets)
$107,740,000Top 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) | 332 | $100,940,000 | $304,036 | $0 | 3.13% |
VALLEJO, CA (FHA|USDA|VA) | 9 | $3,785,000 | $420,556 | $0 | 2.97% |
Outside of Metro Areas | 7 | $1,645,000 | $235,000 | $0 | 2.82% |
Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $0 | 3.25% |
YUBA CITY, CA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 2.71% |
Their top states include:
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 352 | $107,740,000 | $306,080 | $0 | 3.11% |
For 2020, Yolo Federal Credit Union's most frequently originated type of loan was Conventional, with 352 originations.
Loan Reason
For 2020, Yolo Federal Credit Union's most frequently cited loan purpose was Refi, with 194 originations. The 2nd most popular reason was Cash Out Refi, with 107 originations.
Loan Duration/Length
For 2020, Yolo Federal Credit Union's most frequently cited loan duration was 30 Year, with 169 originations. The 2nd most popular length was 15 Year, with 101 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 167 originations.
Interest Rates
During 2020, Yolo Federal Credit Union's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 168 originations.
Loan Sizing
2020 saw Yolo Federal Credit Union place emphasis on $200k-400k loans with 174 originations, totaling $48,610,000 in origination value.
Applicant Income
Yolo Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 85 originations. The second most popular income band? $75k-100k, with 76 originations.
Applicant Debt to Income Ratio
Yolo Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 136 originations. The next most common DTI ratio? <20%, with 72 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.77%
Yolo Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination83.52%
Yolo Federal Credit Union has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
1001.55 | 1 | $105,000 | $105,000 |
1016.25 | 1 | $255,000 | $255,000 |
1021.27 | 1 | $125,000 | $125,000 |
1022.19 | 1 | $115,000 | $115,000 |
1023.76 | 1 | $265,000 | $265,000 |
1032.28 | 1 | $275,000 | $275,000 |
1040.48 | 1 | $105,000 | $105,000 |
1040.86 | 1 | $315,000 | $315,000 |
1045.01 | 1 | $245,000 | $245,000 |
1047.56 | 1 | $265,000 | $265,000 |
1049.95 | 1 | $235,000 | $235,000 |
1058.22 | 1 | $155,000 | $155,000 |
1070.72 | 1 | $225,000 | $225,000 |
1076.42 | 1 | $215,000 | $215,000 |
1084.26 | 1 | $285,000 | $285,000 |
1091.74 | 1 | $125,000 | $125,000 |
1094.52 | 1 | $205,000 | $205,000 |
1103.65 | 1 | $185,000 | $185,000 |
1105.21 | 1 | $345,000 | $345,000 |
1106.55 | 1 | $215,000 | $215,000 |
1106.77 | 1 | $305,000 | $305,000 |
1107.48 | 1 | $145,000 | $145,000 |
1110.17 | 1 | $135,000 | $135,000 |
1113.46 | 1 | $215,000 | $215,000 |
1115.72 | 1 | $215,000 | $215,000 |
11264.08 | 1 | $955,000 | $955,000 |
1134.81 | 1 | $205,000 | $205,000 |
1135.78 | 1 | $175,000 | $175,000 |
1137.05 | 1 | $195,000 | $195,000 |
1137.69 | 1 | $175,000 | $175,000 |
1145.63 | 1 | $245,000 | $245,000 |
1168.96 | 1 | $165,000 | $165,000 |
1169.25 | 1 | $215,000 | $215,000 |
1171.78 | 1 | $155,000 | $155,000 |
1173.26 | 1 | $255,000 | $255,000 |
1187.66 | 1 | $385,000 | $385,000 |
1204.11 | 1 | $145,000 | $145,000 |
1218.68 | 1 | $175,000 | $175,000 |
1220.57 | 1 | $245,000 | $245,000 |
1228.4 | 1 | $245,000 | $245,000 |
1230.09 | 1 | $155,000 | $155,000 |
1235.35 | 1 | $225,000 | $225,000 |
1236.84 | 1 | $325,000 | $325,000 |
1237.77 | 1 | $125,000 | $125,000 |
1257.68 | 1 | $235,000 | $235,000 |
1260.03 | 1 | $335,000 | $335,000 |
1267.86 | 1 | $215,000 | $215,000 |
1273.23 | 1 | $165,000 | $165,000 |
1280.74 | 1 | $195,000 | $195,000 |
1281.12 | 1 | $205,000 | $205,000 |
1285.29 | 1 | $275,000 | $275,000 |
1289.92 | 1 | $185,000 | $185,000 |
1294.04 | 1 | $125,000 | $125,000 |
1294.2 | 1 | $235,000 | $235,000 |
1320.37 | 1 | $155,000 | $155,000 |
1323.82 | 1 | $275,000 | $275,000 |
1328.52 | 1 | $425,000 | $425,000 |
1329.49 | 1 | $205,000 | $205,000 |
1343.86 | 1 | $895,000 | $895,000 |
1354.12 | 1 | $215,000 | $215,000 |
1357.93 | 1 | $645,000 | $645,000 |
1358.63 | 1 | $225,000 | $225,000 |
1362.43 | 1 | $225,000 | $225,000 |
1363.27 | 1 | $265,000 | $265,000 |
1367.54 | 1 | $265,000 | $265,000 |
1376.45 | 1 | $195,000 | $195,000 |
1376.58 | 1 | $365,000 | $365,000 |
1409.19 | 1 | $225,000 | $225,000 |
1411.34 | 1 | $405,000 | $405,000 |
1415.71 | 1 | $305,000 | $305,000 |
1419.82 | 1 | $225,000 | $225,000 |
1437.2 | 1 | $235,000 | $235,000 |
1438.55 | 1 | $205,000 | $205,000 |
1441.42 | 1 | $325,000 | $325,000 |
1443.73 | 1 | $335,000 | $335,000 |
1448.79 | 1 | $275,000 | $275,000 |
1452.25 | 1 | $255,000 | $255,000 |
1453.91 | 1 | $445,000 | $445,000 |
1456.77 | 1 | $205,000 | $205,000 |
1459.78 | 1 | $235,000 | $235,000 |
1466.92 | 1 | $215,000 | $215,000 |
1470.35 | 1 | $175,000 | $175,000 |
1484.03 | 1 | $575,000 | $575,000 |
1493.2 | 1 | $275,000 | $275,000 |
1495.44 | 1 | $265,000 | $265,000 |
1526.48 | 1 | $205,000 | $205,000 |
1530.39 | 1 | $325,000 | $325,000 |
1542.49 | 1 | $365,000 | $365,000 |
1545.82 | 1 | $315,000 | $315,000 |
1553.05 | 1 | $325,000 | $325,000 |
1562.84 | 1 | $215,000 | $215,000 |
1572.7 | 1 | $195,000 | $195,000 |
1573.08 | 1 | $145,000 | $145,000 |
1581.27 | 1 | $195,000 | $195,000 |
1585.55 | 1 | $245,000 | $245,000 |
1603.36 | 1 | $305,000 | $305,000 |
1610.67 | 1 | $195,000 | $195,000 |
1612.19 | 1 | $155,000 | $155,000 |
1613.08 | 1 | $215,000 | $215,000 |
1613.29 | 1 | $255,000 | $255,000 |
1621.53 | 1 | $245,000 | $245,000 |
1628.75 | 1 | $225,000 | $225,000 |
1634.66 | 1 | $305,000 | $305,000 |
1639.93 | 1 | $295,000 | $295,000 |
1643.55 | 1 | $255,000 | $255,000 |
1650.21 | 1 | $215,000 | $215,000 |
1654.99 | 1 | $265,000 | $265,000 |
1661.31 | 1 | $245,000 | $245,000 |
1663.73 | 1 | $255,000 | $255,000 |
1679.92 | 1 | $225,000 | $225,000 |
1683.05 | 1 | $295,000 | $295,000 |
1684.27 | 1 | $215,000 | $215,000 |
1698.89 | 1 | $215,000 | $215,000 |
1719.66 | 1 | $395,000 | $395,000 |
1730.84 | 1 | $215,000 | $215,000 |
1739.48 | 1 | $205,000 | $205,000 |
1741.45 | 1 | $315,000 | $315,000 |
1743.72 | 1 | $265,000 | $265,000 |
1749.75 | 1 | $275,000 | $275,000 |
1755.17 | 1 | $395,000 | $395,000 |
1772.43 | 1 | $395,000 | $395,000 |
1779.89 | 1 | $375,000 | $375,000 |
1792.81 | 1 | $505,000 | $505,000 |
18137.07 | 1 | $635,000 | $635,000 |
1815.17 | 1 | $415,000 | $415,000 |
1829.45 | 1 | $275,000 | $275,000 |
1853.97 | 1 | $225,000 | $225,000 |
1854.34 | 1 | $255,000 | $255,000 |
1874.09 | 1 | $225,000 | $225,000 |
1880.01 | 1 | $785,000 | $785,000 |
1900.63 | 1 | $345,000 | $345,000 |
1920.16 | 1 | $315,000 | $315,000 |
1920.53 | 1 | $255,000 | $255,000 |
1923.66 | 1 | $275,000 | $275,000 |
1928.89 | 1 | $235,000 | $235,000 |
1931.14 | 1 | $295,000 | $295,000 |
1937.37 | 1 | $275,000 | $275,000 |
1949.86 | 1 | $245,000 | $245,000 |
1952.11 | 1 | $325,000 | $325,000 |
1966.05 | 1 | $315,000 | $315,000 |
1979.18 | 1 | $325,000 | $325,000 |
1983.39 | 1 | $335,000 | $335,000 |
201.66 | 1 | $65,000 | $65,000 |
2043.3 | 1 | $335,000 | $335,000 |
2048.35 | 1 | $415,000 | $415,000 |
2053.63 | 1 | $355,000 | $355,000 |
2065.44 | 1 | $265,000 | $265,000 |
2074.82 | 1 | $275,000 | $275,000 |
2077.88 | 1 | $375,000 | $375,000 |
2080.58 | 1 | $335,000 | $335,000 |
2085.73 | 1 | $305,000 | $305,000 |
2102.51 | 1 | $255,000 | $255,000 |
214.06 | 1 | $35,000 | $35,000 |
2156.3 | 1 | $335,000 | $335,000 |
2164.83 | 1 | $335,000 | $335,000 |
2166.56 | 1 | $355,000 | $355,000 |
2169.08 | 1 | $325,000 | $325,000 |
2169.76 | 1 | $275,000 | $275,000 |
2182.73 | 1 | $245,000 | $245,000 |
2197.88 | 1 | $405,000 | $405,000 |
2209.77 | 1 | $405,000 | $405,000 |
2228.41 | 1 | $265,000 | $265,000 |
2229.93 | 1 | $435,000 | $435,000 |
2234.21 | 1 | $355,000 | $355,000 |
224.1 | 1 | $35,000 | $35,000 |
2248.45 | 1 | $325,000 | $325,000 |
2278.33 | 1 | $295,000 | $295,000 |
2283.44 | 1 | $405,000 | $405,000 |
2293.03 | 1 | $235,000 | $235,000 |
2294.49 | 1 | $445,000 | $445,000 |
2333.19 | 1 | $295,000 | $295,000 |
2357.65 | 1 | $355,000 | $355,000 |
2375.48 | 1 | $395,000 | $395,000 |
2389.23 | 1 | $285,000 | $285,000 |
2400.94 | 1 | $315,000 | $315,000 |
2413.22 | 1 | $375,000 | $375,000 |
2417.84 | 1 | $425,000 | $425,000 |
2434.55 | 1 | $465,000 | $465,000 |
2454.75 | 1 | $335,000 | $335,000 |
2462.44 | 1 | $395,000 | $395,000 |
24633.6 | 1 | $695,000 | $695,000 |
2482.48 | 1 | $365,000 | $365,000 |
2499.73 | 1 | $325,000 | $325,000 |
2510.51 | 1 | $495,000 | $495,000 |
2518.53 | 1 | $345,000 | $345,000 |
2544.9 | 1 | $355,000 | $355,000 |
2550.88 | 1 | $355,000 | $355,000 |
2560.1 | 1 | $585,000 | $585,000 |
2582.7 | 1 | $285,000 | $285,000 |
2593.67 | 1 | $315,000 | $315,000 |
2607.07 | 1 | $275,000 | $275,000 |
2607.61 | 1 | $475,000 | $475,000 |
2625.89 | 1 | $615,000 | $615,000 |
2628.42 | 1 | $385,000 | $385,000 |
2644.21 | 1 | $365,000 | $365,000 |
2659.81 | 1 | $475,000 | $475,000 |
2682.75 | 1 | $365,000 | $365,000 |
2685.12 | 1 | $505,000 | $505,000 |
2706.58 | 1 | $465,000 | $465,000 |
2717.11 | 1 | $605,000 | $605,000 |
2767.32 | 1 | $575,000 | $575,000 |
2772.25 | 1 | $565,000 | $565,000 |
2789.74 | 1 | $515,000 | $515,000 |
2789.88 | 1 | $675,000 | $675,000 |
2815.1 | 1 | $445,000 | $445,000 |
282.58 | 1 | $95,000 | $95,000 |
2834.26 | 1 | $465,000 | $465,000 |
2839.04 | 1 | $1,035,000 | $1,035,000 |
2873.37 | 1 | $385,000 | $385,000 |
2894.99 | 1 | $455,000 | $455,000 |
2906.19 | 1 | $635,000 | $635,000 |
292.74 | 1 | $65,000 | $65,000 |
297.56 | 1 | $225,000 | $225,000 |
3031.8 | 1 | $425,000 | $425,000 |
304.9 | 1 | $135,000 | $135,000 |
305.63 | 1 | $755,000 | $755,000 |
3092.77 | 1 | $405,000 | $405,000 |
3122.42 | 1 | $515,000 | $515,000 |
312.62 | 1 | $165,000 | $165,000 |
3129.31 | 1 | $625,000 | $625,000 |
3156.23 | 1 | $845,000 | $845,000 |
3159.86 | 1 | $665,000 | $665,000 |
3191.97 | 1 | $385,000 | $385,000 |
322.81 | 1 | $35,000 | $35,000 |
3240.94 | 1 | $475,000 | $475,000 |
3257.47 | 1 | $525,000 | $525,000 |
326.16 | 1 | $35,000 | $35,000 |
330.0 | 1 | $65,000 | $65,000 |
3311.77 | 1 | $355,000 | $355,000 |
3358.45 | 1 | $555,000 | $555,000 |
336.45 | 1 | $145,000 | $145,000 |
341.92 | 1 | $105,000 | $105,000 |
3422.84 | 1 | $445,000 | $445,000 |
3458.84 | 1 | $615,000 | $615,000 |
3491.39 | 1 | $505,000 | $505,000 |
355.61 | 1 | $375,000 | $375,000 |
3636.34 | 1 | $685,000 | $685,000 |
372.6 | 1 | $45,000 | $45,000 |
3783.07 | 1 | $585,000 | $585,000 |
3787.95 | 1 | $1,185,000 | $1,185,000 |
3831.71 | 1 | $605,000 | $605,000 |
391.23 | 1 | $45,000 | $45,000 |
3944.67 | 1 | $285,000 | $285,000 |
4003.65 | 1 | $635,000 | $635,000 |
407.47 | 1 | $295,000 | $295,000 |
414.35 | 1 | $55,000 | $55,000 |
4157.55 | 1 | $205,000 | $205,000 |
4207.42 | 1 | $665,000 | $665,000 |
4263.62 | 1 | $665,000 | $665,000 |
428.8 | 1 | $105,000 | $105,000 |
430.75 | 1 | $185,000 | $185,000 |
4315.42 | 1 | $885,000 | $885,000 |
439.93 | 1 | $115,000 | $115,000 |
446.29 | 1 | $235,000 | $235,000 |
4542.04 | 1 | $735,000 | $735,000 |
4552.4 | 1 | $275,000 | $275,000 |
4591.73 | 1 | $645,000 | $645,000 |
4649.39 | 1 | $775,000 | $775,000 |
4841.94 | 1 | $675,000 | $675,000 |
4932.67 | 1 | $775,000 | $775,000 |
498.14 | 1 | $55,000 | $55,000 |
4990.51 | 1 | $695,000 | $695,000 |
4991.89 | 1 | $905,000 | $905,000 |
4996.74 | 1 | $675,000 | $675,000 |
5040.39 | 1 | $655,000 | $655,000 |
521.6 | 1 | $255,000 | $255,000 |
5241.16 | 1 | $485,000 | $485,000 |
532.38 | 1 | $145,000 | $145,000 |
537.35 | 1 | $205,000 | $205,000 |
542.6 | 1 | $145,000 | $145,000 |
5493.37 | 1 | $695,000 | $695,000 |
550.57 | 1 | $145,000 | $145,000 |
550.7 | 1 | $35,000 | $35,000 |
553.0 | 1 | $135,000 | $135,000 |
554.84 | 1 | $115,000 | $115,000 |
557.08 | 1 | $215,000 | $215,000 |
561.04 | 1 | $105,000 | $105,000 |
576.26 | 1 | $145,000 | $145,000 |
5873.34 | 1 | $645,000 | $645,000 |
588.62 | 1 | $135,000 | $135,000 |
593.01 | 1 | $155,000 | $155,000 |
597.36 | 1 | $105,000 | $105,000 |
601.86 | 1 | $105,000 | $105,000 |
620.47 | 1 | $115,000 | $115,000 |
626.44 | 1 | $255,000 | $255,000 |
653.5 | 1 | $145,000 | $145,000 |
655.84 | 1 | $75,000 | $75,000 |
660.07 | 1 | $135,000 | $135,000 |
667.19 | 1 | $75,000 | $75,000 |
6699.39 | 1 | $415,000 | $415,000 |
671.27 | 1 | $105,000 | $105,000 |
672.1 | 1 | $245,000 | $245,000 |
677.69 | 1 | $65,000 | $65,000 |
696.45 | 1 | $385,000 | $385,000 |
701.56 | 1 | $165,000 | $165,000 |
703.7 | 1 | $485,000 | $485,000 |
706.44 | 1 | $75,000 | $75,000 |
710.14 | 1 | $205,000 | $205,000 |
7163.91 | 1 | $895,000 | $895,000 |
737.37 | 1 | $165,000 | $165,000 |
739.07 | 1 | $105,000 | $105,000 |
741.55 | 1 | $105,000 | $105,000 |
742.97 | 1 | $275,000 | $275,000 |
744.74 | 1 | $195,000 | $195,000 |
751.33 | 1 | $115,000 | $115,000 |
7545.73 | 1 | $405,000 | $405,000 |
754.66 | 1 | $95,000 | $95,000 |
758.32 | 1 | $155,000 | $155,000 |
763.92 | 1 | $175,000 | $175,000 |
764.98 | 1 | $255,000 | $255,000 |
774.42 | 1 | $145,000 | $145,000 |
788.55 | 1 | $205,000 | $205,000 |
789.35 | 1 | $295,000 | $295,000 |
794.88 | 1 | $145,000 | $145,000 |
796.37 | 1 | $75,000 | $75,000 |
812.49 | 1 | $145,000 | $145,000 |
814.27 | 1 | $155,000 | $155,000 |
815.49 | 1 | $115,000 | $115,000 |
818.94 | 1 | $205,000 | $205,000 |
822.02 | 1 | $295,000 | $295,000 |
8293.91 | 1 | $485,000 | $485,000 |
830.03 | 1 | $105,000 | $105,000 |
831.96 | 1 | $125,000 | $125,000 |
835.02 | 1 | $215,000 | $215,000 |
8413.15 | 1 | $815,000 | $815,000 |
848.65 | 1 | $155,000 | $155,000 |
849.16 | 1 | $115,000 | $115,000 |
865.69 | 1 | $125,000 | $125,000 |
873.55 | 1 | $215,000 | $215,000 |
874.13 | 1 | $645,000 | $645,000 |
878.6 | 1 | $265,000 | $265,000 |
879.45 | 1 | $195,000 | $195,000 |
881.77 | 1 | $215,000 | $215,000 |
882.06 | 1 | $315,000 | $315,000 |
885.53 | 1 | $135,000 | $135,000 |
891.92 | 1 | $115,000 | $115,000 |
892.34 | 1 | $135,000 | $135,000 |
894.22 | 1 | $205,000 | $205,000 |
895.17 | 1 | $255,000 | $255,000 |
898.59 | 1 | $265,000 | $265,000 |
905.81 | 1 | $165,000 | $165,000 |
907.34 | 1 | $165,000 | $165,000 |
913.37 | 1 | $155,000 | $155,000 |
928.03 | 1 | $225,000 | $225,000 |
928.61 | 1 | $155,000 | $155,000 |
932.14 | 1 | $115,000 | $115,000 |
932.35 | 1 | $345,000 | $345,000 |
932.4 | 1 | $125,000 | $125,000 |
955.16 | 1 | $305,000 | $305,000 |
988.87 | 1 | $115,000 | $115,000 |
991.38 | 1 | $155,000 | $155,000 |
998.46 | 1 | $215,000 | $215,000 |