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 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, Kennewick, Bellingham, and Bremerton among others. We have data for 21 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. America's Credit Union is typically an average 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

    478

    Origination Dollar Volume (All Markets)

    $108,840,000
    Show all (5) 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) 281 $61,835,000 $220,053 $2,185 4.27%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 133 $23,835,000 $179,211 $1,677 4.46%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $6,285,000 $1,257,000 $0 3.67%
    BELLINGHAM, WA (FHA|USDA|VA) 4 $3,100,000 $775,000 $4,121 3.94%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 9 $2,995,000 $332,778 $3,005 4.64%
    Moses Lake, WA (FHA|USDA|VA) 6 $2,540,000 $423,333 $3,171 4.78%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $2,525,000 $360,714 $16,347 3.62%
    Shelton, WA (FHA|USDA|VA) 5 $885,000 $177,000 $0 4.05%
    Aberdeen, WA (FHA|USDA|VA) 8 $830,000 $103,750 $2,020 3.96%
    Outside of Metro Areas 2 $660,000 $330,000 $1,751 4.75%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $625,000 $208,333 $0 3.75%
    Outside of Metro Areas 1 $625,000 $625,000 $7,223 3.00%
    Sandpoint, ID (FHA|USDA|VA) 1 $435,000 $435,000 $24,098 4.50%
    Centralia, WA (FHA|USDA|VA) 6 $430,000 $71,667 $0 5.08%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,289 3.49%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    Prineville, OR (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
    BEND, OR (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.75%
    Oak Harbor, WA (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    SALEM, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
    America's Credit Union's top markets include Seattle, Olympia, Kennewick, Bellingham, and Bremerton among others.

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

    Olympia Federal Savings & Loan Association
    Similarity Rank: 66
    SOUND
    Similarity Rank: 625
    Bank of the Pacific
    Similarity Rank: 713
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 1053
    America's Credit Union
    Similarity Rank: 1092
    NorthWest Plus Credit Union
    Similarity Rank: 1323
    Qualstar Credit Union
    Similarity Rank: 1518
    First Federal Savings and Loan Association of Port Angeles
    Similarity Rank: 1760
    CU HOME MORTGAGE SOLUTIONS, LLC
    Similarity Rank: 1833
    NATIONAL COOPERATIVE BANK, N.A.
    Similarity Rank: 2448

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 275 $37,625,000 $136,818 n/a 4.22%
    Conventional 203 $71,215,000 $350,813 $2,307 4.46%

    For 2022, America's Credit Union's most frequently originated type of loan was HELOC, with 275 originations. Their 2nd most popular type was Conventional, with 203 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 341 $47,865,000 $140,367 $458 4.33%
    Refi 67 $14,175,000 $211,567 $1,805 4.35%
    Home Purchase 54 $41,070,000 $760,556 $5,509 4.18%
    Cash Out Refi 12 $5,210,000 $434,167 $0 4.52%
    Other 4 $520,000 $130,000 $0 6.25%

    For 2022, America's Credit Union's most frequently cited loan purpose was Home Improvement, with 341 originations. The 2nd most popular reason was Refi, with 67 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 293 $41,365,000 $141,177 $4,137 4.21%
    15 Year 86 $10,790,000 $125,465 $194 4.95%
    30 Year 73 $39,675,000 $543,493 $4,902 3.93%
    10 Year 22 $16,340,000 $742,727 $0 4.50%
    1 Year 4 $670,000 $167,500 $0 4.63%

    For 2022, America's Credit Union's most frequently cited loan duration was 20 Year, with 293 originations. The 2nd most popular length was 15 Year, with 86 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 112 $14,830,000 $132,411
    $1k-2k 73 $38,005,000 $520,616
    $5k+ 3 $2,045,000 $681,667
    $2k-3k 2 $790,000 $395,000

    America's Credit Union's average total fees were $4,902, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 112 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 190 $55,030,000 $289,632
    4-5% 100 $23,430,000 $234,300
    5-6% 57 $7,775,000 $136,404
    2.5-3% 29 $9,035,000 $311,552
    6-7% 24 $4,190,000 $174,583
    7-8% 11 $1,525,000 $138,636
    <2.5% 4 $350,000 $87,500
    Over 8% 3 $305,000 $101,667

    During 2022, America's Credit Union's average interest rate for loans was 3.93%, while their most frequently originated rate bucket for loans was 3-4%, with 190 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 187 $11,065,000 $59,171 $50 4.53%
    $100k-200k 125 $17,195,000 $137,560 $765 4.32%
    $200k-400k 105 $29,115,000 $277,286 $2,732 4.16%
    $400k-600k 31 $13,985,000 $451,129 $4,936 4.14%
    $600k-1MM 17 $13,495,000 $793,824 $4,957 4.22%
    $1MM+ 13 $23,985,000 $1,845,000 $9,720 3.94%

    2022 saw America's Credit Union place emphasis on $100,000 or less loans with 187 originations, totaling $11,065,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 134 $19,480,000 $145,373 $2,157 4.33%
    $150k-250k 131 $28,635,000 $218,588 $2,021 4.25%
    $75k-100k 73 $10,555,000 $144,589 $1,978 4.43%
    $250k+ 51 $26,525,000 $520,098 $6,312 4.59%
    $50k-75k 49 $5,655,000 $115,408 $1,391 4.42%
    $50k or less 25 $2,465,000 $98,600 $1,386 3.96%

    America's Credit Union lent most frequently to those with incomes in the $100k-150k range, with 134 originations. The second most popular income band? $150k-250k, with 131 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 77 $17,715,000 $230,065 $2,145 4.16%
    20-30% 74 $14,240,000 $192,432 $3,027 4.09%
    49% 41 $7,615,000 $185,732 $1,951 4.21%
    44% 38 $6,490,000 $170,789 $3,481 4.68%
    39% 37 $5,495,000 $148,514 $1,582 4.48%
    37% 25 $5,065,000 $202,600 $2,450 4.53%
    36% 18 $3,060,000 $170,000 $2,380 4.58%
    48% 17 $1,675,000 $98,529 $0 4.97%
    38% 17 $3,095,000 $182,059 $1,542 4.48%
    41% 17 $4,095,000 $240,882 $1,944 4.50%
    45% 17 $3,765,000 $221,471 $2,775 3.93%
    43% 16 $3,770,000 $235,625 $2,247 4.41%
    42% 15 $2,955,000 $197,000 $1,636 4.25%
    40% 14 $3,010,000 $215,000 $2,632 5.22%
    <20% 13 $8,125,000 $625,000 $3,720 3.68%
    47% 13 $1,535,000 $118,077 $0 3.86%
    46% 11 $1,365,000 $124,091 $0 4.83%
    50-60% 4 $680,000 $170,000 $1,047 4.75%
    >60% 1 $395,000 $395,000 $3,957 3.74%

    America's Credit Union lent most frequently to those with DTI ratios of 30-36%, with 77 originations. The next most common DTI ratio? 20-30%, with 74 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 285 $53,265,000 $186,895 $2,300 4.35%
    Not provided 118 $27,160,000 $230,169 $2,677 4.27%
    Not applicable 12 $14,640,000 $1,220,000 $0 4.38%
    Asian 28 $8,390,000 $299,643 $3,102 4.13%
    Black 20 $3,000,000 $150,000 $1,305 4.76%
    American Indian 8 $1,030,000 $128,750 $0 4.55%
    Native Hawaiian or Islander 3 $545,000 $181,667 $994 3.30%
    Asian Indian 1 $405,000 $405,000 $0 3.25%
    Filipino 1 $205,000 $205,000 $0 0.00%
    Other Asian 1 $155,000 $155,000 $0 3.25%
    Guamanian 1 $45,000 $45,000 $0 8.50%

    Approval Rates

    Total approvals of all applications
    84.66%

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

    Pick Rate

    Approvals leading to origination
    73.43%

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

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 18 $2,660,000 $147,778
    NA 460 $106,180,000 $230,826

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    478 $108,840,000 $227,699

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 131 $24,065,000 $183,702 $954 4.36%
    40-60% 44 $14,220,000 $323,182 $2,990 3.91%
    60-80% 43 $27,125,000 $630,814 $3,887 4.02%
    80-100% 37 $25,755,000 $696,081 $5,431 4.10%
    Under 20% 223 $17,675,000 $79,260 $21 4.52%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    AMERICAN ADVISORS GROUP Reverse mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    AMERICAN ADVISORS GROUP FHA mortgage Closing on a mortgage 1 50.0%