Usx Federal Credit Union Mortgage Rates, Fees & Info

Cranberry Twp., PA

LEI: 254900PQN88DET52I724

Tax ID: 25-0970756

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

    Usx Federal Credit Union is a smaller credit union specializing in Refi loans. Usx Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Findlay, New Castle, Toledo, and Youngstown 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 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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    Originations

    166

    Origination Dollar Volume (All Markets)

    $12,710,000

    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
    PITTSBURGH, PA (FHA|USDA|VA) 150 $10,990,000 $73,267 $0 0.00%
    Findlay, OH (FHA|USDA|VA) 12 $1,440,000 $120,000 $0 0.00%
    New Castle, PA (FHA|USDA|VA) 2 $130,000 $65,000 $0 0.00%
    TOLEDO, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Usx Federal Credit Union's top markets include Pittsburgh, Findlay, New Castle, Toledo, and Youngstown among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 166 $12,710,000 $76,566 $0 0.00%

    For 2019, Usx Federal Credit Union's most frequently originated type of loan was Conventional, with 166 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 109 $9,825,000 $90,138 $0 0.00%
    Home Improvement 34 $1,420,000 $41,765 $0 0.00%
    Other 21 $1,105,000 $52,619 $0 0.00%
    Home Purchase 2 $360,000 $180,000 $0 0.00%

    For 2019, Usx Federal Credit Union's most frequently cited loan purpose was Refi, with 109 originations. The 2nd most popular reason was Home Improvement, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 166 $12,710,000 $76,566 $0 0.00%

    For 2019, Usx Federal Credit Union's most frequently cited loan duration was Other, with 166 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 126 $6,300,000 $50,000 $0 0.00%
    $100k-200k 30 $4,010,000 $133,667 $0 0.00%
    $200k-400k 10 $2,400,000 $240,000 $0 0.00%

    2019 saw Usx Federal Credit Union place emphasis on $100,000 or less loans with 126 originations, totaling $6,300,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 42 $3,770,000 $89,762 $0 0.00%
    $75k-100k 40 $2,920,000 $73,000 $0 0.00%
    $50k-75k 37 $2,535,000 $68,514 $0 0.00%
    $50k or less 29 $1,265,000 $43,621 $0 0.00%
    $150k-250k 14 $1,500,000 $107,143 $0 0.00%
    $250k+ 2 $490,000 $245,000 $0 0.00%

    Usx Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 42 originations. The second most popular income band? $75k-100k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 166 $12,710,000 $76,566 $0 0.00%

    Usx Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 166 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 152 $11,840,000 $77,895 $0 0.00%
    Not provided 9 $515,000 $57,222 $0 0.00%
    Not applicable 2 $230,000 $115,000 $0 0.00%
    Black 2 $110,000 $55,000 $0 0.00%
    American Indian 1 $15,000 $15,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    80.87%

    Usx Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    88.55%

    Usx Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 166 $12,710,000 $76,566

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $310,000 $77,500
    Single Family (1-4 Units):Site-Built 162 $12,400,000 $76,543