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 Cash Out Refi and Home Purchase loans. Yolo Federal Credit Union has a high proportion of conventional loans. Their top two markets are Sacramento and Stockton .Yolo Federal Credit Union has a below 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
57Origination Dollar Volume (All Markets)
$12,505,000Top 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) | 56 | $11,990,000 | $214,107 | $0 | 4.61% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 6.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 57 | $12,505,000 | $219,386 | $0 | 4.64% |
For 2022, Yolo Federal Credit Union's most frequently originated type of loan was Conventional, with 57 originations.
Loan Reason
For 2022, Yolo Federal Credit Union's most frequently cited loan purpose was Other, with 22 originations. The 2nd most popular reason was Cash Out Refi, with 20 originations.
Loan Duration/Length
For 2022, Yolo Federal Credit Union's most frequently cited loan duration was 30 Year, with 17 originations. The 2nd most popular length was 15 Year, with 15 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 19 originations.
Interest Rates
During 2022, Yolo Federal Credit Union's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 19 originations.
Loan Sizing
2022 saw Yolo Federal Credit Union place emphasis on $100,000 or less loans with 18 originations, totaling $950,000 in origination value.
Applicant Income
Yolo Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 17 originations. The second most popular income band? $50k-75k, with 12 originations.
Applicant Debt to Income Ratio
Yolo Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 21 originations. The next most common DTI ratio? 30-36%, with 13 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications69.23%
Yolo Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination73.68%
Yolo Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1029.67 | 1 | $335,000 | $335,000 |
| 1053.57 | 1 | $305,000 | $305,000 |
| 11019.38 | 1 | $705,000 | $705,000 |
| 1158.63 | 1 | $275,000 | $275,000 |
| 1188.81 | 1 | $385,000 | $385,000 |
| 1263.43 | 1 | $285,000 | $285,000 |
| 1331.66 | 1 | $195,000 | $195,000 |
| 1362.12 | 1 | $245,000 | $245,000 |
| 1435.76 | 1 | $225,000 | $225,000 |
| 1585.73 | 1 | $245,000 | $245,000 |
| 1716.41 | 1 | $185,000 | $185,000 |
| 1740.77 | 1 | $325,000 | $325,000 |
| 1754.88 | 1 | $205,000 | $205,000 |
| 1781.54 | 1 | $275,000 | $275,000 |
| 185.93 | 1 | $105,000 | $105,000 |
| 231.49 | 1 | $125,000 | $125,000 |
| 238.62 | 1 | $45,000 | $45,000 |
| 259.58 | 1 | $45,000 | $45,000 |
| 273.88 | 1 | $25,000 | $25,000 |
| 2827.05 | 1 | $715,000 | $715,000 |
| 287.93 | 1 | $45,000 | $45,000 |
| 288.9 | 1 | $105,000 | $105,000 |
| 296.9 | 1 | $55,000 | $55,000 |
| 297.09 | 1 | $35,000 | $35,000 |
| 298.16 | 1 | $35,000 | $35,000 |
| 3027.48 | 1 | $415,000 | $415,000 |
| 304.1 | 1 | $65,000 | $65,000 |
| 316.42 | 1 | $165,000 | $165,000 |
| 326.19 | 1 | $55,000 | $55,000 |
| 3283.15 | 1 | $135,000 | $135,000 |
| 337.79 | 1 | $45,000 | $45,000 |
| 339.97 | 1 | $155,000 | $155,000 |
| 354.75 | 1 | $65,000 | $65,000 |
| 376.7 | 1 | $35,000 | $35,000 |
| 377.73 | 1 | $155,000 | $155,000 |
| 3846.23 | 1 | $465,000 | $465,000 |
| 4042.4 | 1 | $695,000 | $695,000 |
| 429.3 | 1 | $65,000 | $65,000 |
| 458.6 | 1 | $75,000 | $75,000 |
| 4604.18 | 1 | $995,000 | $995,000 |
| 470.4 | 1 | $45,000 | $45,000 |
| 497.53 | 1 | $75,000 | $75,000 |
| 5287.26 | 1 | $905,000 | $905,000 |
| 5399.38 | 1 | $515,000 | $515,000 |
| 571.76 | 1 | $105,000 | $105,000 |
| 573.87 | 1 | $65,000 | $65,000 |
| 578.89 | 1 | $105,000 | $105,000 |
| 580.18 | 1 | $105,000 | $105,000 |
| 610.74 | 1 | $75,000 | $75,000 |
| 620.83 | 1 | $135,000 | $135,000 |
| 658.49 | 1 | $105,000 | $105,000 |
| 852.56 | 1 | $165,000 | $165,000 |
| 883.38 | 1 | $155,000 | $155,000 |
| 907.05 | 1 | $175,000 | $175,000 |
| 913.81 | 1 | $105,000 | $105,000 |
| 979.8 | 1 | $355,000 | $355,000 |
| 997.51 | 1 | $205,000 | $205,000 |