America's Credit Union Mortgage Rates, Fees & Info

Dupont, WA

LEI: 54930083D8Q8RK84Y448

Tax ID: 91-0620623

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    America's Credit Union is a smaller credit union specializing in Refi, Home Improvement, and Home Purchase loans. America's Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Seattle, Olympia, Centralia, Walla Walla, and Sandpoint among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    America's Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. America's Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from America's Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    214

    Origination Dollar Volume (All Markets)

    $62,600,000

    Awards

    America's Credit Union 30 Year Conventional Loans silver America's Credit Union 30 Year Conventional Loans bronze
    Show all (2) awards

    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
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 118 $38,760,000 $328,475 $2,550 3.18%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 64 $14,810,000 $231,406 $2,264 3.24%
    Centralia, WA (FHA|USDA|VA) 7 $1,665,000 $237,857 $1,864 3.93%
    WALLA WALLA, WA (FHA|USDA|VA) 2 $1,380,000 $690,000 $3,670 3.25%
    Sandpoint, ID (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $7,492 3.38%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $1,070,000 $535,000 $5,738 3.13%
    Shelton, WA (FHA|USDA|VA) 4 $810,000 $202,500 $836 3.57%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $615,000 $205,000 $2,585 3.25%
    WENATCHEE, WA (FHA|USDA|VA) 4 $560,000 $140,000 $1,193 3.38%
    Aberdeen, WA (FHA|USDA|VA) 2 $440,000 $220,000 $1,880 3.50%
    LONGVIEW, WA (FHA|USDA|VA) 1 $385,000 $385,000 $4,082 3.13%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,145 3.00%
    YAKIMA, WA (FHA|USDA|VA) 1 $225,000 $225,000 $4,810 3.88%
    Outside of Metro Areas 1 $205,000 $205,000 $3,618 2.63%
    Outside of Metro Areas 2 $160,000 $80,000 $3,703 2.68%
    SALEM, OR (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
    America's Credit Union's top markets include Seattle, Olympia, Centralia, Walla Walla, and Sandpoint among others.

    Their top states include:
  • Washington (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)

    • 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.

    O BEE
    Similarity Rank: 447
    Olympia Federal Savings & Loan Association
    Similarity Rank: 840
    SOUND
    Similarity Rank: 2289
    VERITY
    Similarity Rank: 2550
    LO, INC.
    Similarity Rank: 2560
    Bank of the Pacific
    Similarity Rank: 2639
    Shea Mortgage Inc.
    Similarity Rank: 2850
    NorthWest Plus Credit Union
    Similarity Rank: 2961
    TRISTAR FINANCE, INC.
    Similarity Rank: 3224
    America's Credit Union
    Similarity Rank: 3248

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 214 $62,600,000 $292,523 $2,449 3.24%

    For 2021, America's Credit Union's most frequently originated type of loan was Conventional, with 214 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 94 $26,060,000 $277,234 $2,741 2.94%
    Home Improvement 71 $15,125,000 $213,028 $1,469 3.51%
    Home Purchase 36 $19,660,000 $546,111 $4,700 3.26%
    Other 11 $1,135,000 $103,182 $109 4.07%
    Cash Out Refi 2 $620,000 $310,000 $2,963 3.00%

    For 2021, America's Credit Union's most frequently cited loan purpose was Refi, with 94 originations. The 2nd most popular reason was Home Improvement, with 71 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 99 $34,895,000 $352,475 $3,527 3.02%
    15 Year 79 $12,585,000 $159,304 $1,040 3.59%
    10 Year 22 $12,130,000 $551,364 $617 3.17%
    20 Year 13 $2,855,000 $219,615 $4,002 2.97%
    Other 1 $135,000 $135,000 $0 2.80%

    For 2021, America's Credit Union's most frequently cited loan duration was 30 Year, with 99 originations. The 2nd most popular length was 15 Year, with 79 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 89 $15,195,000 $170,730
    $1k-2k 89 $30,265,000 $340,056
    $2k-3k 17 $4,775,000 $280,882
    $3k-4k 4 $960,000 $240,000
    $5k+ 2 $1,990,000 $995,000

    America's Credit Union's average total fees were $3,527, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 89 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 81 $25,545,000 $315,370
    3-4% 61 $23,405,000 $383,689
    <2.5% 38 $10,740,000 $282,632
    4-5% 31 $2,725,000 $87,903
    5-6% 3 $185,000 $61,667

    During 2021, America's Credit Union's average interest rate for loans was 3.02%, while their most frequently originated rate bucket for loans was 2.5-3%, with 81 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 78 $21,030,000 $269,615 $3,344 2.98%
    $100k-200k 61 $8,905,000 $145,984 $1,485 3.21%
    $100,000 or less 37 $2,155,000 $58,243 $438 3.98%
    $400k-600k 14 $6,910,000 $493,571 $3,527 3.02%
    $600k-1MM 13 $10,175,000 $782,692 $4,743 3.13%
    $1MM+ 11 $13,425,000 $1,220,455 $5,626 3.21%

    2021 saw America's Credit Union place emphasis on $200k-400k loans with 78 originations, totaling $21,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 59 $12,785,000 $216,695 $2,347 3.28%
    $50k-75k 40 $7,510,000 $187,750 $2,158 3.18%
    $150k-250k 34 $14,720,000 $432,941 $3,102 3.29%
    $75k-100k 34 $6,690,000 $196,765 $2,299 3.33%
    $50k or less 22 $3,660,000 $166,364 $1,580 3.19%
    $250k+ 14 $9,920,000 $708,571 $4,120 2.96%

    America's Credit Union lent most frequently to those with incomes in the $100k-150k range, with 59 originations. The second most popular income band? $50k-75k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 45 $13,015,000 $289,222 $2,531 2.98%
    <20% 42 $11,230,000 $267,381 $3,319 2.82%
    30-36% 34 $8,690,000 $255,588 $1,765 3.27%
    44% 14 $2,630,000 $187,857 $2,231 3.39%
    38% 10 $3,640,000 $364,000 $2,392 3.06%
    39% 9 $1,985,000 $220,556 $1,699 4.04%
    41% 9 $1,935,000 $215,000 $1,824 3.84%
    37% 8 $2,120,000 $265,000 $2,798 3.37%
    43% 6 $2,070,000 $345,000 $2,010 2.74%
    36% 6 $1,970,000 $328,333 $3,179 3.62%
    42% 4 $800,000 $200,000 $1,043 4.31%
    40% 4 $470,000 $117,500 $3,009 3.40%
    49% 4 $620,000 $155,000 $611 3.71%
    48% 3 $135,000 $45,000 $0 4.25%
    46% 2 $730,000 $365,000 $1,241 4.13%
    47% 2 $1,200,000 $600,000 $6,218 3.00%
    50-60% 2 $1,470,000 $735,000 $5,456 3.18%
    45% 2 $330,000 $165,000 $2,986 3.00%

    America's Credit Union lent most frequently to those with DTI ratios of 20-30%, with 45 originations. The next most common DTI ratio? <20%, with 42 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 135 $40,715,000 $301,593 $2,580 3.23%
    Not provided 47 $14,345,000 $305,213 $2,238 3.33%
    Asian 14 $3,470,000 $247,857 $1,771 3.10%
    Black 10 $2,040,000 $204,000 $3,003 2.99%
    Not applicable 3 $1,245,000 $415,000 $0 3.42%
    Native Hawaiian or Islander 3 $545,000 $181,667 $2,962 2.91%
    Filipino 1 $185,000 $185,000 $0 4.50%
    American Indian 1 $55,000 $55,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    93.65%

    America's Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.36%

    America's Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $205,000 $205,000
    NA 213 $62,395,000 $292,934

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    214 $62,600,000 $292,523

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 37 $6,825,000 $184,459 $1,296 3.21%
    40-60% 59 $14,265,000 $241,780 $2,527 2.82%
    60-80% 60 $25,970,000 $432,833 $3,887 3.08%
    80-100% 24 $13,430,000 $559,583 $4,065 3.16%
    Under 20% 34 $2,110,000 $62,059 $159 4.36%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    AMERICA FIRST FEDERAL CREDIT UNION Other type of mortgage Struggling to pay mortgage 1 33.3%
    AMERICA FIRST FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 33.3%
    AMERICA FIRST FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Incorrect information on your report 1 33.3%