Apci Federal Credit Union Mortgage Rates, Fees & Info
Allentown, PALEI: 5493002QP2ONO47G5R24
Tax ID: 23-1505475
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Apci Federal Credit Union is a smaller credit union specializing in Refi loans. Apci Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Allentown, Philadelphia, Reading, Phoenix, and Baton Rouge among others. We have data for 79 markets. (Some data included below & more in-depth data is available with an active subscription.)Apci Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
390Origination Dollar Volume (All Markets)
$88,010,000Top 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 |
|---|---|---|---|---|---|
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 172 | $35,540,000 | $206,628 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 35 | $10,345,000 | $295,571 | $0 | 0.00% |
| READING, PA (FHA|USDA|VA) | 22 | $3,690,000 | $167,727 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $3,560,000 | $356,000 | $0 | 0.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 10 | $2,650,000 | $265,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $2,080,000 | $173,333 | $0 | 0.00% |
| Pottsville, PA (FHA|USDA|VA) | 10 | $1,540,000 | $154,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $0 | 0.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $825,000 | $165,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $0 | 0.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $0 | 0.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 0.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 0.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Henderson, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| Torrington, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Granbury, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| ERIE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Garden City, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| LOUISVILLE, KY (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 | 390 | $88,010,000 | $225,667 | $0 | 0.00% |
For 2020, Apci Federal Credit Union's most frequently originated type of loan was Conventional, with 390 originations.
Loan Reason
For 2020, Apci Federal Credit Union's most frequently cited loan purpose was Refi, with 348 originations. The 2nd most popular reason was Home Improvement, with 22 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 390 | $88,010,000 | $225,667 | $0 | 0.00% |
For 2020, Apci Federal Credit Union's most frequently cited loan duration was Other, with 390 originations.
Loan Sizing
2020 saw Apci Federal Credit Union place emphasis on $200k-400k loans with 169 originations, totaling $46,675,000 in origination value.
Applicant Income
Apci Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 120 originations. The second most popular income band? $150k-250k, with 110 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 390 | $88,010,000 | $225,667 | $0 | 0.00% |
Apci Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 390 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.36%
Apci Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.82%
Apci Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 390 | $88,010,000 | $225,667 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 390 | $88,010,000 | $225,667 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ABC First Inc | Other type of mortgage | Closing on a mortgage | 1 | 100.0% |