River City Federal Credit Union Mortgage Rates, Fees & Info
San Antonio, TXLEI: 254900UQIE22KBNLG837
Tax ID: 74-1110061
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
River City Federal Credit Union is a smaller credit union specializing in Refi, Other, and Home Improvement loans. River City Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Antonio, Dallas, and Mcallen among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)River City 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.
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Originations
79Origination Dollar Volume (All Markets)
$8,035,000Top 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 |
|---|---|---|---|---|---|
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 77 | $7,835,000 | $101,753 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 79 | $8,035,000 | $101,709 | $0 | 0.00% |
For 2022, River City Federal Credit Union's most frequently originated type of loan was Conventional, with 79 originations.
Loan Reason
For 2022, River City Federal Credit Union's most frequently cited loan purpose was Refi, with 24 originations. The 2nd most popular reason was Other, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 79 | $8,035,000 | $101,709 | $0 | 0.00% |
For 2022, River City Federal Credit Union's most frequently cited loan duration was Other, with 79 originations.
Loan Sizing
2022 saw River City Federal Credit Union place emphasis on $100,000 or less loans with 47 originations, totaling $2,805,000 in origination value.
Applicant Income
River City Federal Credit Union lent most frequently to those with incomes in the $50k or less range, with 25 originations. The second most popular income band? $100k-150k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 79 | $8,035,000 | $101,709 | $0 | 0.00% |
River City Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 79 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.33%
River City Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination72.15%
River City Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 79 | $8,035,000 | $101,709 |