Wildfire Credit Union Mortgage Rates, Fees & Info
Saginaw, MILEI: 254900TKL128GKFR9C87
Tax ID: 38-0996065
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Mortgage Data
Review & Overview
Wildfire Credit Union is a smaller credit union specializing in Home Purchase and Cash Out Refi loans. Wildfire Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Saginaw, Bay City, Midland, Detroit, and Grand Rapids among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Wildfire 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.
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Originations
290Origination Dollar Volume (All Markets)
$44,170,000Top 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 |
|---|---|---|---|---|---|
| SAGINAW, MI (FHA|USDA|VA) | 85 | $10,975,000 | $129,118 | $0 | 0.00% |
| BAY CITY, MI (FHA|USDA|VA) | 83 | $10,775,000 | $129,819 | $0 | 0.00% |
| MIDLAND, MI (FHA|USDA|VA) | 46 | $8,110,000 | $176,304 | $0 | 0.00% |
| Outside of Metro Areas | 40 | $6,650,000 | $166,250 | $0 | 0.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 12 | $3,180,000 | $265,000 | $0 | 0.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $0 | 0.00% |
| FLINT, MI (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $0 | 0.00% |
| Cadillac, MI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 0.00% |
| Alma, MI (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 0.00% |
| Ludington, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Mount Pleasant, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 0.00% |
| Alpena, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wildfire Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 36
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 290 | $44,170,000 | $152,310 | $0 | 0.00% |
For 2024, Wildfire Credit Union's most frequently originated type of loan was Conventional, with 290 originations.
Loan Reason
For 2024, Wildfire Credit Union's most frequently cited loan purpose was Home Purchase, with 143 originations. The 2nd most popular reason was Cash Out Refi, with 81 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 290 | $44,170,000 | $152,310 | $0 | 0.00% |
For 2024, Wildfire Credit Union's most frequently cited loan duration was Other, with 290 originations.
Loan Sizing
2024 saw Wildfire Credit Union place emphasis on $100,000 or less loans with 111 originations, totaling $5,665,000 in origination value.
Applicant Income
Wildfire Credit Union lent most frequently to those with incomes in the $50k-75k range, with 65 originations. The second most popular income band? $100k-150k, with 58 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 290 | $44,170,000 | $152,310 | $0 | 0.00% |
Wildfire Credit Union lent most frequently to those with DTI ratios of Exempt%, with 290 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.77%
Wildfire Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination85.86%
Wildfire Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 290 | $44,170,000 | $152,310 |