Usx Federal Credit Union Mortgage Rates, Fees & Info
Cranberry Twp., PALEI: 254900PQN88DET52I724
Tax ID: 25-0970756
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Usx Federal Credit Union is a smaller credit union specializing in Refi and Home Improvement loans. Usx Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Findlay, Youngstown, and Toledo among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Usx Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
91Origination Dollar Volume (All Markets)
$7,385,000Top 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 |
|---|---|---|---|---|---|
| PITTSBURGH, PA (FHA|USDA|VA) | 85 | $6,805,000 | $80,059 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $320,000 | $160,000 | $0 | 0.00% |
| Findlay, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 0.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $7,385,000 | $81,154 | $0 | 0.00% |
For 2023, Usx Federal Credit Union's most frequently originated type of loan was Conventional, with 91 originations.
Loan Reason
For 2023, Usx Federal Credit Union's most frequently cited loan purpose was Refi, with 44 originations. The 2nd most popular reason was Home Improvement, with 29 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 91 | $7,385,000 | $81,154 | $0 | 0.00% |
For 2023, Usx Federal Credit Union's most frequently cited loan duration was Other, with 91 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 91 | $7,385,000 | $81,154 |
Usx Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 91 originations.
Loan Sizing
2023 saw Usx Federal Credit Union place emphasis on $100,000 or less loans with 71 originations, totaling $3,585,000 in origination value.
Applicant Income
Usx Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 24 originations. The second most popular income band? $75k-100k, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| <20% | 91 | $7,385,000 | $81,154 | $0 | 0.00% |
Usx Federal Credit Union lent most frequently to those with DTI ratios of <20%, with 91 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 83 | $6,845,000 | $82,470 | $0 | 0.00% |
| Not provided | 8 | $540,000 | $67,500 | $0 | 0.00% |
Approval Rates
Total approvals of all applications70.00%
Usx Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination92.31%
Usx Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 91 | $7,385,000 | $81,154 |