America's Credit Union Mortgage Rates, Fees & Info
Dupont, WALEI: 54930083D8Q8RK84Y448
Tax ID: 91-0620623
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Mortgage Data
Review & Overview
America's Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. America's Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Seattle, Olympia, Wenatchee, Shelton, and Aberdeen among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)America's 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.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.41% | 4/28/24 |
| 30 Year Conventional Refi | 6.54% | 4/28/24 |
| 30 Year Cash-out Refi | 6.27% | 4/28/24 |
| 30 Year VA Purchase | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 6.99% | 4/28/24 |
| 15 Year Conventional Refi | 5.81% | 4/28/24 |
| 15 Year Cash-out Refi | 5.81% | 4/28/24 |
| 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. | ||
America's Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
162Origination Dollar Volume (All Markets)
$34,980,000Top 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 |
|---|---|---|---|---|---|
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 101 | $21,105,000 | $208,960 | $0 | 0.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 50 | $10,650,000 | $213,000 | $0 | 0.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 0.00% |
| Shelton, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Centralia, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against America's Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 119 | $22,885,000 | $192,311 | $0 | 0.00% |
| VA | 43 | $12,095,000 | $281,279 | $0 | 0.00% |
For 2019, America's Credit Union's most frequently originated type of loan was Conventional, with 119 originations. Their 2nd most popular type was VA, with 43 originations.
Loan Reason
For 2019, America's Credit Union's most frequently cited loan purpose was Refi, with 76 originations. The 2nd most popular reason was Home Purchase, with 45 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 162 | $34,980,000 | $215,926 | $0 | 0.00% |
For 2019, America's Credit Union's most frequently cited loan duration was Other, with 162 originations.
Loan Sizing
2019 saw America's Credit Union place emphasis on $200k-400k loans with 72 originations, totaling $20,380,000 in origination value.
Applicant Income
America's Credit Union lent most frequently to those with incomes in the $50k-75k range, with 43 originations. The second most popular income band? $100k-150k, with 38 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 162 | $34,980,000 | $215,926 | $0 | 0.00% |
America's Credit Union lent most frequently to those with DTI ratios of Exempt%, with 162 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.20%
America's Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination74.07%
America's Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 162 | $34,980,000 | $215,926 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 12 | $1,970,000 | $164,167 |
| Single Family (1-4 Units):Site-Built | 150 | $33,010,000 | $220,067 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 100.0% |