Glacier Hills Credit Union Mortgage Rates, Fees & Info
West Bend, WILEI: 254900O11S8JQGWU2U45
Tax ID: 39-0803157
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Mortgage Data
Review & Overview
Glacier Hills Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. Glacier Hills Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, Fond Du Lac, Beaver Dam, Madison, and Sheboygan among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Glacier Hills 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. Glacier Hills Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) 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 | 6.41% | 5/4/24 |
| 30 Year Conventional Refi | 5.63% | 5/4/24 |
| 30 Year Cash-out Refi | 6.24% | 5/4/24 |
| 30 Year FHA Purchase | 6.97% | 5/4/24 |
| 15 Year Conventional Purchase | 5.99% | 5/4/24 |
| 15 Year Conventional Refi | 6.12% | 5/4/24 |
| 15 Year Cash-out Refi | 6.12% | 5/4/24 |
| 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. | ||
Glacier Hills 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
176Origination Dollar Volume (All Markets)
$21,830,000Awards
Glacier Hills Credit Union - 2021
Glacier Hills Credit Union is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 132 | $17,000,000 | $128,788 | $1,010 | 3.10% |
| FOND DU LAC, WI (FHA|USDA|VA) | 21 | $2,055,000 | $97,857 | $1,002 | 3.08% |
| Beaver Dam, WI (FHA|USDA|VA) | 15 | $1,715,000 | $114,333 | $921 | 3.38% |
| Outside of Metro Areas | 2 | $290,000 | $145,000 | $1,308 | 3.06% |
| MADISON, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,194 | 2.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,193 | 3.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,759 | 2.75% |
| Marinette, WI-MI (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $1,028 | 2.94% |
| RACINE, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,418 | 2.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against Glacier Hills 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 | 176 | $21,830,000 | $124,034 | $1,014 | 3.11% |
For 2021, Glacier Hills Credit Union's most frequently originated type of loan was Conventional, with 176 originations.
Loan Reason
For 2021, Glacier Hills Credit Union's most frequently cited loan purpose was Cash Out Refi, with 80 originations. The 2nd most popular reason was Refi, with 41 originations.
Loan Duration/Length
For 2021, Glacier Hills Credit Union's most frequently cited loan duration was 15 Year, with 72 originations. The 2nd most popular length was 30 Year, with 30 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 171 | $21,285,000 | $124,474 |
Glacier Hills Credit Union's average total fees were $1,201, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 171 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 57 | $7,005,000 | $122,895 |
| <2.5% | 56 | $8,460,000 | $151,071 |
| 2.5-3% | 42 | $5,310,000 | $126,429 |
| 4-5% | 14 | $850,000 | $60,714 |
| 5-6% | 7 | $205,000 | $29,286 |
During 2021, Glacier Hills Credit Union's average interest rate for loans was 3.73%, while their most frequently originated rate bucket for loans was 3-4%, with 57 originations.
Loan Sizing
2021 saw Glacier Hills Credit Union place emphasis on $100,000 or less loans with 75 originations, totaling $4,115,000 in origination value.
Applicant Income
Glacier Hills Credit Union lent most frequently to those with incomes in the $100k-150k range, with 47 originations. The second most popular income band? $50k-75k, with 41 originations.
Applicant Debt to Income Ratio
Glacier Hills Credit Union lent most frequently to those with DTI ratios of 20-30%, with 47 originations. The next most common DTI ratio? 30-36%, with 46 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 167 | $20,655,000 | $123,683 | $1,014 | 3.11% |
| Not provided | 9 | $1,175,000 | $130,556 | $1,019 | 3.18% |
Approval Rates
Total approvals of all applications92.19%
Glacier Hills Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination77.27%
Glacier Hills Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 176 | $21,830,000 | $124,034 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Glacier Bancorp Inc. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| Glacier Bancorp Inc. | Other type of mortgage | Trouble during payment process | 1 | 50.0% |