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 Refi and Cash Out Refi loans. First U.s. Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Sacramento, Truckee, Stockton, San Francisco, and Yuba City among others. We have data for 16 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 an average pick rate when compared to similar lenders.
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Originations
118Origination Dollar Volume (All Markets)
$31,910,000Top 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) | 76 | $20,210,000 | $265,921 | $0 | 0.00% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 17 | $4,785,000 | $281,471 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $0 | 0.00% |
| YUBA CITY, CA (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 0.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $395,000 | $395,000 | $0 | 0.00% |
| MERCED, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 118 | $31,910,000 | $270,424 | $0 | 0.00% |
For 2022, First U.s. Community Credit Union's most frequently originated type of loan was Conventional, with 118 originations.
Loan Reason
For 2022, First U.s. Community Credit Union's most frequently cited loan purpose was Refi, with 66 originations. The 2nd most popular reason was Cash Out Refi, with 34 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 118 | $31,910,000 | $270,424 | $0 | 0.00% |
For 2022, First U.s. Community Credit Union's most frequently cited loan duration was Other, with 118 originations.
Loan Sizing
2022 saw First U.s. Community Credit Union place emphasis on $200k-400k loans with 45 originations, totaling $13,365,000 in origination value.
Applicant Income
First U.s. Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 29 originations. The second most popular income band? $75k-100k, with 25 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 118 | $31,910,000 | $270,424 | $0 | 0.00% |
First U.s. Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 118 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.01%
First U.s. Community Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination90.68%
First U.s. Community Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 118 | $31,910,000 | $270,424 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST GUARANTY MORTGAGE CORP | Conventional home mortgage | Struggling to pay mortgage | 1 | 100.0% |