Titan Fcu Mortgage Rates, Fees & Info
Pleasant Gap, PALEI: 254900ON5KYAZSCPF582
Tax ID: 24-0861116
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Mortgage Data
Review & Overview
Titan Fcu is a smaller credit union specializing in Home Improvement, Other, and Cash Out Refi loans. Titan Fcu has a high proportion of conventional loans. Their top markets by origination volume include: State College, Lock Haven, Allentown, Sunbury, and Altoona among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Titan Fcu has an above average approval rate when compared to the average across all 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 |
|---|---|---|
| 15 Year Conventional Refi | 5.99% | 4/5/25 |
| 15 Year Cash-out Refi | 5.99% | 4/5/25 |
| 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. | ||
Titan Fcu Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
64Origination Dollar Volume (All Markets)
$3,480,000Top 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 |
|---|---|---|---|---|---|
| STATE COLLEGE, PA (FHA|USDA|VA) | 54 | $2,860,000 | $52,963 | $0 | 6.12% |
| Lock Haven, PA (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $0 | 6.35% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.25% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.50% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.00% |
| DuBois, PA (FHA|USDA|VA) | 2 | $30,000 | $15,000 | $0 | 5.75% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 64 | $3,480,000 | $54,375 | $0 | 6.13% |
For 2024, Titan Fcu's most frequently originated type of loan was Conventional, with 64 originations.
Loan Reason
For 2024, Titan Fcu's most frequently cited loan purpose was Home Improvement, with 33 originations. The 2nd most popular reason was Other, with 15 originations.
Loan Duration/Length
For 2024, Titan Fcu's most frequently cited loan duration was 10 Year, with 28 originations. The 2nd most popular length was 15 Year, with 13 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 64 | $3,480,000 | $54,375 |
Titan Fcu's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 64 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 43 | $1,655,000 | $38,488 |
| 6-7% | 21 | $1,825,000 | $86,905 |
During 2024, Titan Fcu's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 43 originations.
Loan Sizing
2024 saw Titan Fcu place emphasis on $100,000 or less loans with 54 originations, totaling $2,130,000 in origination value.
Applicant Income
Titan Fcu lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $50k-75k, with 13 originations.
Applicant Debt to Income Ratio
Titan Fcu lent most frequently to those with DTI ratios of 30-36%, with 18 originations. The next most common DTI ratio? 20-30%, with 14 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 64 | $3,480,000 | $54,375 | $0 | 6.13% |
Approval Rates
Total approvals of all applications100.00%
Titan Fcu has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 129.25 | 54 | $2,860,000 | $52,963 |
| 166.75 | 2 | $30,000 | $15,000 |
| 168.0 | 1 | $185,000 | $185,000 |
| 173.25 | 1 | $105,000 | $105,000 |
| 175.75 | 1 | $35,000 | $35,000 |
| 178.0 | 5 | $265,000 | $53,000 |