Trugrocer Federal Credit Union Mortgage Rates, Fees & Info

Boise, ID

LEI: 254900FLY5OAGDXADY25

Tax ID: 82-0264981

Latest/2023 | 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 Refi and Home Purchase loans. Trugrocer Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boise City, Orlando, and Phoenix among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Trugrocer Federal Credit Union has an above 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

    42

    Origination Dollar Volume (All Markets)

    $9,430,000

    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) 27 $6,295,000 $233,148 $0 0.00%
    Outside of Metro Areas 13 $2,325,000 $178,846 $0 0.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $535,000 $535,000 $0 0.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
    Trugrocer Federal Credit Union's top markets include Boise City, Orlando, and Phoenix among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 42 $9,430,000 $224,524 $0 0.00%

    For 2018, Trugrocer Federal Credit Union's most frequently originated type of loan was Conventional, with 42 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 25 $5,005,000 $200,200 $0 0.00%
    Home Purchase 15 $4,225,000 $281,667 $0 0.00%
    Cash Out Refi 2 $200,000 $100,000 $0 0.00%

    For 2018, Trugrocer Federal Credit Union's most frequently cited loan purpose was Refi, with 25 originations. The 2nd most popular reason was Home Purchase, with 15 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 42 $9,430,000 $224,524 $0 0.00%

    For 2018, Trugrocer Federal Credit Union's most frequently cited loan duration was Other, with 42 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 20 $5,710,000 $285,500 $0 0.00%
    $100k-200k 13 $1,875,000 $144,231 $0 0.00%
    $100,000 or less 6 $350,000 $58,333 $0 0.00%
    $400k-600k 3 $1,495,000 $498,333 $0 0.00%

    2018 saw Trugrocer Federal Credit Union place emphasis on $200k-400k loans with 20 originations, totaling $5,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 11 $2,535,000 $230,455 $0 0.00%
    $100k-150k 9 $2,715,000 $301,667 $0 0.00%
    $50k-75k 8 $1,340,000 $167,500 $0 0.00%
    $50k or less 7 $855,000 $122,143 $0 0.00%
    $150k-250k 6 $1,830,000 $305,000 $0 0.00%
    $250k+ 1 $155,000 $155,000 $0 0.00%

    Trugrocer Federal Credit Union lent most frequently to those with incomes in the $75k-100k range, with 11 originations. The second most popular income band? $100k-150k, with 9 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 41 $9,095,000 $221,829 $0 0.00%
    Not provided 1 $335,000 $335,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.59%

    Trugrocer Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.95%

    Trugrocer Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 42 $9,430,000 $224,524

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $55,000 $55,000
    Single Family (1-4 Units):Site-Built 41 $9,375,000 $228,659