Maui County Federal Credit Union Mortgage Rates, Fees & Info
Wailuku, HILEI: 5493008LEPCP8N119M52
Tax ID: 99-0073467
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Mortgage Data
Review & Overview
Maui County Federal Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Maui County Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Kahului, Urban Honolulu, and Hilo among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Maui County Federal Credit Union has an above average approval rate when compared to the average across all lenders. Maui County Federal 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 relatively high 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.
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Originations
34Origination Dollar Volume (All Markets)
$13,370,000Awards
Maui County Federal Credit Union - 2023
Maui County Federal Credit Union is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Maui County Federal Credit Union's average 30 year fixed mortgage rate was
5.25%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -1.23%.
Relative Fees (Closing Costs)
Maui County Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,729.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 32 | $12,100,000 | $378,125 | $4,160 | 5.44% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $7,048 | 5.50% |
| Hilo, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,491 | 5.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Maui County Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 6
Similarity Rank: 56
Similarity Rank: 56
Similarity Rank: 75
Similarity Rank: 90
Similarity Rank: 1760
Similarity Rank: 7514
Similarity Rank: 8688
Similarity Rank: 12352
Similarity Rank: 12609
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 34 | $13,370,000 | $393,235 | $4,255 | 5.44% |
For 2023, Maui County Federal Credit Union's most frequently originated type of loan was Conventional, with 34 originations.
Loan Reason
For 2023, Maui County Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 15 originations. The 2nd most popular reason was Cash Out Refi, with 8 originations.
Loan Duration/Length
For 2023, Maui County Federal Credit Union's most frequently cited loan duration was 30 Year, with 20 originations. The 2nd most popular length was 15 Year, with 12 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 29 | $10,295,000 | $355,000 |
| $5k+ | 4 | $2,810,000 | $702,500 |
| $3k-4k | 1 | $265,000 | $265,000 |
Maui County Federal Credit Union's average total fees were $4,729, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 29 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 22 | $8,160,000 | $370,909 |
| 3-4% | 4 | $1,740,000 | $435,000 |
| 4-5% | 4 | $1,550,000 | $387,500 |
| 6-7% | 4 | $1,920,000 | $480,000 |
During 2023, Maui County Federal Credit Union's average interest rate for loans was 5.25%, while their most frequently originated rate bucket for loans was 5-6%, with 22 originations.
Loan Sizing
2023 saw Maui County Federal Credit Union place emphasis on $200k-400k loans with 12 originations, totaling $3,460,000 in origination value.
Applicant Income
Maui County Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 13 originations. The second most popular income band? $150k-250k, with 9 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.14%
Maui County Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 34 | $13,370,000 | $393,235 |