Sea West Coast Guard Federal Credit Union Mortgage Rates, Fees & Info
Oakland, CALEI: 5493001P38O8QXGI6503
Tax ID: 94-1480396
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Mortgage Data
Review & Overview
Sea West Coast Guard Federal Credit Union is a smaller credit union specializing in Other loans. Sea West Coast Guard Federal Credit Union has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: San Francisco, Los Angeles, Santa Rosa, Seattle, and Stockton among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)Sea West Coast Guard 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. Sea West Coast Guard Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/17/25 |
| 30 Year Conventional Purchase | 6.72% | 4/17/25 |
| 30 Year Conventional Refi | 6.72% | 4/17/25 |
| 30 Year Cash-out Refi | 6.72% | 4/17/25 |
| 30 Year FHA Refi | 6.72% | 4/17/25 |
| 15 Year Conventional Refi | 6.00% | 4/17/25 |
| 15 Year Cash-out Refi | 6.00% | 4/17/25 |
| 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. | ||
Sea West Coast Guard Federal Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Sea West Coast Guard Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
62Origination Dollar Volume (All Markets)
$11,140,000Relative Rate
Sea West Coast Guard Federal Credit Union's average 30 year fixed mortgage rate was
6.56%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.01%.
Relative Fees (Closing Costs)
Sea West Coast Guard Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,419.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 28 | $5,520,000 | $197,143 | $5,128 | 4.85% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $0 | 3.99% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $0 | 3.99% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $0 | 3.99% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 7.31% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $0 | 3.99% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 6.57% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 3.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $280,000 | $70,000 | $0 | 3.99% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.99% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.99% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.99% |
| Outside of Metro Areas | 2 | $110,000 | $55,000 | $0 | 8.69% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against SEA WEST COAST GUARD FEDERAL CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 176
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 37 | $5,605,000 | $151,486 | n/a | 4.37% |
| Conventional | 24 | $4,920,000 | $205,000 | $5,128 | 5.23% |
| FHA | 1 | $615,000 | $615,000 | $0 | 5.49% |
For 2024, Sea West Coast Guard Federal Credit Union's most frequently originated type of loan was HELOC, with 37 originations. Their 2nd most popular type was Conventional, with 24 originations.
Loan Reason
For 2024, Sea West Coast Guard Federal Credit Union's most frequently cited loan purpose was Other, with 52 originations. The 2nd most popular reason was Home Purchase, with 4 originations.
Loan Duration/Length
For 2024, Sea West Coast Guard Federal Credit Union's most frequently cited loan duration was Other, with 51 originations. The 2nd most popular length was 30 Year, with 6 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 2 | $540,000 | $270,000 |
| $2k-3k | 2 | $600,000 | $300,000 |
| $5k+ | 2 | $950,000 | $475,000 |
| $<1k | 1 | $365,000 | $365,000 |
| $4k-5k | 1 | $305,000 | $305,000 |
Sea West Coast Guard Federal Credit Union's average total fees were $5,419, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 49 | $7,935,000 | $161,939 |
| 6-7% | 5 | $1,665,000 | $333,000 |
| Over 8% | 5 | $445,000 | $89,000 |
| 5-6% | 2 | $760,000 | $380,000 |
| 7-8% | 1 | $335,000 | $335,000 |
During 2024, Sea West Coast Guard Federal Credit Union's average interest rate for loans was 6.56%, while their most frequently originated rate bucket for loans was 3-4%, with 49 originations.
Loan Sizing
2024 saw Sea West Coast Guard Federal Credit Union place emphasis on $200k-400k loans with 26 originations, totaling $6,680,000 in origination value.
Applicant Income
Sea West Coast Guard Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 28 originations. The second most popular income band? $250k+, with 13 originations.
Applicant Debt to Income Ratio
Sea West Coast Guard Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 12 originations. The next most common DTI ratio? 30-36%, with 9 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications77.57%
Sea West Coast Guard Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination66.13%
Sea West Coast Guard Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1555.75 | 1 | $125,000 | $125,000 |
| 2456.0 | 1 | $55,000 | $55,000 |
| 3034.3 | 1 | $255,000 | $255,000 |
| 7383.05 | 1 | $335,000 | $335,000 |
| NA | 58 | $10,370,000 | $178,793 |