First U.s. Community Credit Union Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 5493002R8QX1FQSB8Z06

Tax ID: 94-1019805

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Mortgage Data

Review & Overview

First U.s. Community Credit Union is a smaller credit union specializing in Home Purchase loans. First U.s. Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Truckee, San Francisco, Riverside, and Madera among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

First U.s. Community 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

81

Origination Dollar Volume (All Markets)

$14,935,000

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
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 47 $7,475,000 $159,043 $0 0.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 18 $3,170,000 $176,111 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,290,000 $645,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $665,000 $665,000 $0 0.00%
MADERA, CA (FHA|USDA|VA) 1 $465,000 $465,000 $0 0.00%
FRESNO, CA (FHA|USDA|VA) 3 $455,000 $151,667 $0 0.00%
Outside of Metro Areas 3 $425,000 $141,667 $0 0.00%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $410,000 $205,000 $0 0.00%
YUBA CITY, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
NAPA, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
STOCKTON, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
First U.s. Community Credit Union's top markets include Sacramento, Truckee, San Francisco, Riverside, and Madera among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 81 $14,935,000 $184,383 $0 0.00%

    For 2023, First U.s. Community Credit Union's most frequently originated type of loan was Conventional, with 81 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 30 $10,610,000 $353,667 $0 0.00%
    Refi 24 $2,070,000 $86,250 $0 0.00%
    Cash Out Refi 14 $1,450,000 $103,571 $0 0.00%
    Home Improvement 13 $805,000 $61,923 $0 0.00%

    For 2023, First U.s. Community Credit Union's most frequently cited loan purpose was Home Purchase, with 30 originations. The 2nd most popular reason was Refi, with 24 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 81 $14,935,000 $184,383 $0 0.00%

    For 2023, First U.s. Community Credit Union's most frequently cited loan duration was Other, with 81 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 45 $2,535,000 $56,333 $0 0.00%
    $200k-400k 17 $4,945,000 $290,882 $0 0.00%
    $100k-200k 8 $1,020,000 $127,500 $0 0.00%
    $400k-600k 8 $3,840,000 $480,000 $0 0.00%
    $600k-1MM 2 $1,390,000 $695,000 $0 0.00%
    $1MM+ 1 $1,205,000 $1,205,000 $0 0.00%

    2023 saw First U.s. Community Credit Union place emphasis on $100,000 or less loans with 45 originations, totaling $2,535,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 30 $4,700,000 $156,667 $0 0.00%
    $150k-250k 24 $3,790,000 $157,917 $0 0.00%
    $75k-100k 10 $1,490,000 $149,000 $0 0.00%
    $250k+ 9 $4,165,000 $462,778 $0 0.00%
    $50k-75k 5 $635,000 $127,000 $0 0.00%
    $50k or less 3 $155,000 $51,667 $0 0.00%

    First U.s. Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 30 originations. The second most popular income band? $150k-250k, with 24 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 81 $14,935,000 $184,383 $0 0.00%

    First U.s. Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 81 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 33 $7,705,000 $233,485 $0 0.00%
    Not provided 44 $5,390,000 $122,500 $0 0.00%
    Asian 3 $1,785,000 $595,000 $0 0.00%
    American Indian 1 $55,000 $55,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.07%

    First U.s. Community Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    61.73%

    First U.s. Community 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
    Exempt 81 $14,935,000 $184,383

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    81 $14,935,000 $184,383