Trugrocer Federal Credit Union Mortgage Rates, Fees & Info

Boise, ID

LEI: 254900FLY5OAGDXADY25

Tax ID: 82-0264981

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Trugrocer Federal Credit Union is a smaller credit union specializing in Cash Out Refi, Home Purchase, and Refi loans. Trugrocer Federal Credit Union has a high proportion of conventional loans. Their top (well, only) market is Boise City.

    Trugrocer 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.

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    Originations

    21

    Origination Dollar Volume (All Markets)

    $5,765,000

    Top 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
    BOISE CITY, ID (FHA|USDA|VA) 10 $3,220,000 $322,000 $0 0.00%
    Outside of Metro Areas 11 $2,545,000 $231,364 $0 0.00%
    Trugrocer Federal Credit Union's top markets include and Boise City among others.

    Their top states include:
  • Idaho (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 21 $5,765,000 $274,524 $0 0.00%

    For 2024, Trugrocer Federal Credit Union's most frequently originated type of loan was Conventional, with 21 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 9 $2,525,000 $280,556 $0 0.00%
    Home Purchase 6 $1,950,000 $325,000 $0 0.00%
    Refi 5 $1,195,000 $239,000 $0 0.00%
    Home Improvement 1 $95,000 $95,000 $0 0.00%

    For 2024, Trugrocer Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 9 originations. The 2nd most popular reason was Home Purchase, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 21 $5,765,000 $274,524 $0 0.00%

    For 2024, Trugrocer Federal Credit Union's most frequently cited loan duration was Other, with 21 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 8 $2,360,000 $295,000 $0 0.00%
    $100k-200k 6 $840,000 $140,000 $0 0.00%
    $100,000 or less 3 $155,000 $51,667 $0 0.00%
    $600k-1MM 3 $2,005,000 $668,333 $0 0.00%
    $400k-600k 1 $405,000 $405,000 $0 0.00%

    2024 saw Trugrocer Federal Credit Union place emphasis on $200k-400k loans with 8 originations, totaling $2,360,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 6 $1,400,000 $233,333 $0 0.00%
    $100k-150k 5 $1,495,000 $299,000 $0 0.00%
    $250k+ 3 $1,665,000 $555,000 $0 0.00%
    $50k-75k 3 $525,000 $175,000 $0 0.00%
    $50k or less 3 $415,000 $138,333 $0 0.00%
    $75k-100k 1 $265,000 $265,000 $0 0.00%

    Trugrocer Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 6 originations. The second most popular income band? $100k-150k, with 5 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 19 $5,585,000 $293,947 $0 0.00%
    Not provided 1 $155,000 $155,000 $0 0.00%
    American Indian 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.29%

    Trugrocer Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    61.90%

    Trugrocer Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 21 $5,765,000 $274,524

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    21 $5,765,000 $274,524