First U.s. Community Credit Union Mortgage Rates, Fees & Info
Sacramento, CALEI: 5493002R8QX1FQSB8Z06
Tax ID: 94-1019805
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First U.s. Community Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. First U.s. Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Truckee, Vallejo, San Francisco, and Riverside 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
179Origination Dollar Volume (All Markets)
$51,005,000Top 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 |
|---|---|---|---|---|---|
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 121 | $35,665,000 | $294,752 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 38 | $9,560,000 | $251,579 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $1,070,000 | $267,500 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 179 | $51,005,000 | $284,944 | $0 | 0.00% |
For 2020, First U.s. Community Credit Union's most frequently originated type of loan was Conventional, with 179 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 102 | $28,960,000 | $283,922 | $0 | 0.00% |
| Refi | 68 | $18,860,000 | $277,353 | $0 | 0.00% |
| Home Purchase | 9 | $3,185,000 | $353,889 | $0 | 0.00% |
For 2020, First U.s. Community Credit Union's most frequently cited loan purpose was Cash Out Refi, with 102 originations. The 2nd most popular reason was Refi, with 68 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 179 | $51,005,000 | $284,944 | $0 | 0.00% |
For 2020, First U.s. Community Credit Union's most frequently cited loan duration was Other, with 179 originations.
Loan Sizing
2020 saw First U.s. Community Credit Union place emphasis on $200k-400k loans with 112 originations, totaling $31,990,000 in origination value.
Applicant Income
First U.s. Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 55 originations. The second most popular income band? $150k-250k, with 43 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 179 | $51,005,000 | $284,944 | $0 | 0.00% |
First U.s. Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 179 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.69%
First U.s. Community Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination80.45%
First U.s. Community Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 179 | $51,005,000 | $284,944 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $900,000 | $225,000 |
| Single Family (1-4 Units):Site-Built | 175 | $50,105,000 | $286,314 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 60-80% | 1 | $445,000 | $445,000 | $0 | 0.00% |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| First Technology Federal Credit Union | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 25.0% |
| First Technology Federal Credit Union | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| First Technology Federal Credit Union | Conventional home mortgage | Incorrect information on your report | 1 | 25.0% |
| First Technology Federal Credit Union | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |