Ukrainian Federal Credit Union Mortgage Rates, Fees & Info
Rochester, NYLEI: 254900LNRKOG7TRURB32
Tax ID: 16-0799792
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Mortgage Data
Review & Overview
Ukrainian Federal Credit Union is a smaller credit union specializing in Refi, Home Purchase, and Cash Out Refi loans. Ukrainian Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Rochester, Seattle, Portland, and Cleveland among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)Ukrainian 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.
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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 11.06% | 4/21/24 |
| 30 Year Conventional Purchase | 7.11% | 4/21/24 |
| 30 Year Conventional Refi | 8.60% | 4/21/24 |
| 30 Year Cash-out Refi | 7.86% | 4/21/24 |
| 15 Year Conventional Purchase | 7.29% | 4/21/24 |
| 15 Year Conventional Refi | 5.94% | 4/21/24 |
| 15 Year Cash-out Refi | 5.94% | 4/21/24 |
| 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. | ||
Ukrainian Federal Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Ukrainian 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
372Origination Dollar Volume (All Markets)
$70,460,000Top 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) | 110 | $25,320,000 | $230,182 | $0 | 0.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 89 | $12,315,000 | $138,371 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 33 | $9,445,000 | $286,212 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 27 | $6,535,000 | $242,037 | $0 | 0.00% |
| Outside of Metro Areas | 16 | $3,120,000 | $195,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 22 | $2,710,000 | $123,182 | $0 | 0.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 25 | $2,585,000 | $103,400 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $2,480,000 | $206,667 | $0 | 0.00% |
| SYRACUSE, NY (FHA|USDA|VA) | 14 | $1,450,000 | $103,571 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $0 | 0.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $0 | 0.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $0 | 0.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| AKRON, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 0.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Ukrainian Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 372 | $70,460,000 | $189,409 | $0 | 0.00% |
For 2020, Ukrainian Federal Credit Union's most frequently originated type of loan was Conventional, with 372 originations.
Loan Reason
For 2020, Ukrainian Federal Credit Union's most frequently cited loan purpose was Refi, with 190 originations. The 2nd most popular reason was Home Purchase, with 105 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 372 | $70,460,000 | $189,409 | $0 | 0.00% |
For 2020, Ukrainian Federal Credit Union's most frequently cited loan duration was Other, with 372 originations.
Loan Sizing
2020 saw Ukrainian Federal Credit Union place emphasis on $100k-200k loans with 153 originations, totaling $22,085,000 in origination value.
Applicant Income
Ukrainian Federal Credit Union lent most frequently to those with incomes in the $50k-75k range, with 106 originations. The second most popular income band? $50k or less, with 104 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 372 | $70,460,000 | $189,409 | $0 | 0.00% |
Ukrainian Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 372 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.64%
Ukrainian Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.52%
Ukrainian 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 |
|---|---|---|---|
| Exempt | 372 | $70,460,000 | $189,409 |