Unitedone Credit Union Mortgage Rates, Fees & Info

Manitowoc, WI

LEI: 5493009ULL1JFIC1C287

Tax ID: 39-0126914

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

    Unitedone Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Unitedone Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Manitowoc, Sheboygan, Milwaukee, Marinette, and Green Bay among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Unitedone 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. Unitedone 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 6.59% 5/4/24
    30 Year Conventional Refi 6.51% 5/4/24
    30 Year FHA Purchase 6.27% 5/4/24
    30 Year VA Purchase 6.27% 5/4/24
    15 Year Conventional Purchase 6.96% 5/4/24
    15 Year Conventional Refi 5.79% 5/4/24
    15 Year Cash-out Refi 5.79% 5/4/24
    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.

    Unitedone Credit Union Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Unitedone 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

    428

    Origination Dollar Volume (All Markets)

    $42,790,000

    Awards

    UNITEDONE Credit Union 30 Year Conventional Loans gold UNITEDONE Credit Union 30 Year Conventional Loans gold UNITEDONE Credit Union 30 Year Conventional Loans gold
    Show all (3) 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
    Manitowoc, WI (FHA|USDA|VA) 277 $26,015,000 $93,917 $949 3.16%
    SHEBOYGAN, WI (FHA|USDA|VA) 124 $13,680,000 $110,323 $936 3.06%
    Outside of Metro Areas 6 $900,000 $150,000 $1,432 2.83%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 5 $765,000 $153,000 $1,470 3.13%
    Marinette, WI-MI (FHA|USDA|VA) 6 $510,000 $85,000 $1,276 3.25%
    GREEN BAY, WI (FHA|USDA|VA) 3 $295,000 $98,333 $749 3.00%
    MADISON, WI (FHA|USDA|VA) 1 $205,000 $205,000 $1,880 3.25%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $140,000 $70,000 $534 2.63%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,395 2.75%
    Shawano, WI (FHA|USDA|VA) 1 $75,000 $75,000 $717 3.25%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $45,000 $45,000 $513 3.13%
    APPLETON, WI (FHA|USDA|VA) 1 $25,000 $25,000 $193 3.50%
    Unitedone Credit Union's top markets include Manitowoc, Sheboygan, Milwaukee, Marinette, and Green Bay among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against UNITEDONE Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Denmark State Bank
    Similarity Rank: 153
    Kohler Credit Union
    Similarity Rank: 306
    Commerce State Bank
    Similarity Rank: 342
    VERVE, A CREDIT UNION
    Similarity Rank: 391
    FOX COMMUNITIES
    Similarity Rank: 441
    WISCONSIN MORTGAGE CORPORATION
    Similarity Rank: 476
    Community First Credit Union
    Similarity Rank: 504
    UNITEDONE Credit Union
    Similarity Rank: 636
    University of Wisconsin Credit Union
    Similarity Rank: 812
    The Port Washington State Bank
    Similarity Rank: 954

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 428 $42,790,000 $99,977 $961 3.13%

    For 2021, Unitedone Credit Union's most frequently originated type of loan was Conventional, with 428 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 271 $27,135,000 $100,129 $944 3.08%
    Home Purchase 78 $11,930,000 $152,949 $1,881 3.41%
    Home Improvement 45 $2,285,000 $50,778 $380 2.98%
    Other 34 $1,440,000 $42,353 $357 3.02%

    For 2021, Unitedone Credit Union's most frequently cited loan purpose was Refi, with 271 originations. The 2nd most popular reason was Home Purchase, with 78 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 145 $18,835,000 $129,897 $1,434 3.24%
    15 Year 81 $7,415,000 $91,543 $733 2.91%
    10 Year 69 $3,465,000 $50,217 $459 2.71%
    20 Year 57 $6,055,000 $106,228 $825 3.14%
    5 Year 46 $3,480,000 $75,652 $277 3.80%
    Other 25 $2,095,000 $83,800 $769 3.02%
    30+ year 5 $1,445,000 $289,000 $2,812 3.28%

    For 2021, Unitedone Credit Union's most frequently cited loan duration was 30 Year, with 145 originations. The 2nd most popular length was 15 Year, with 81 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 391 $39,345,000 $100,627

    Unitedone Credit Union's average total fees were $1,434, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 391 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 160 $18,070,000 $112,938
    2.5-3% 118 $11,900,000 $100,847
    <2.5% 111 $9,575,000 $86,261
    4-5% 38 $3,200,000 $84,211
    6-7% 1 $45,000 $45,000

    During 2021, Unitedone Credit Union's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 160 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 270 $15,560,000 $57,630 $762 3.14%
    $100k-200k 118 $15,940,000 $135,085 $1,167 3.09%
    $200k-400k 36 $9,400,000 $261,111 $1,566 3.15%
    $400k-600k 4 $1,890,000 $472,500 $2,503 2.69%

    2021 saw Unitedone Credit Union place emphasis on $100,000 or less loans with 270 originations, totaling $15,560,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 121 $10,805,000 $89,298 $832 3.04%
    $50k or less 114 $8,550,000 $75,000 $1,163 3.12%
    $75k-100k 83 $8,245,000 $99,337 $870 3.08%
    $100k-150k 66 $9,150,000 $138,636 $886 3.06%
    $150k-250k 18 $2,650,000 $147,222 $1,146 2.96%
    $250k+ 4 $1,100,000 $275,000 $1,239 2.94%

    Unitedone Credit Union lent most frequently to those with incomes in the $50k-75k range, with 121 originations. The second most popular income band? $50k or less, with 114 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 107 $9,435,000 $88,178 $891 2.96%
    30-36% 89 $9,855,000 $110,730 $892 3.10%
    <20% 37 $3,325,000 $89,865 $711 2.74%
    38% 24 $2,950,000 $122,917 $1,023 3.13%
    42% 20 $1,920,000 $96,000 $2,756 3.08%
    39% 18 $1,870,000 $103,889 $775 3.06%
    44% 18 $1,390,000 $77,222 $828 3.09%
    43% 17 $1,805,000 $106,176 $965 3.10%
    40% 16 $2,190,000 $136,875 $767 3.05%
    41% 14 $1,750,000 $125,000 $986 2.98%
    36% 12 $1,060,000 $88,333 $662 3.15%
    37% 9 $895,000 $99,444 $791 3.04%
    50-60% 5 $405,000 $81,000 $680 3.20%
    45% 2 $170,000 $85,000 $707 3.38%
    46% 1 $65,000 $65,000 $728 2.50%
    47% 1 $205,000 $205,000 $2,222 2.75%
    >60% 1 $55,000 $55,000 $476 3.63%

    Unitedone Credit Union lent most frequently to those with DTI ratios of 20-30%, with 107 originations. The next most common DTI ratio? 30-36%, with 89 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 377 $37,465,000 $99,377 $942 3.07%
    Not applicable 22 $2,290,000 $104,091 $0 4.20%
    Asian 13 $1,475,000 $113,462 $1,452 3.11%
    Not provided 14 $1,330,000 $95,000 $994 2.96%
    Black 1 $145,000 $145,000 $1,298 3.25%
    American Indian 1 $85,000 $85,000 $623 3.75%

    Approval Rates

    Total approvals of all applications
    89.82%

    Unitedone Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    70.33%

    Unitedone Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 428 $42,790,000 $99,977

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    428 $42,790,000 $99,977

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 59 $3,245,000 $55,000 $487 2.98%
    40-60% 64 $4,770,000 $74,531 $668 2.91%
    60-80% 186 $22,750,000 $122,312 $1,242 3.16%
    80-100% 70 $10,180,000 $145,429 $1,531 3.44%
    Over 100% 3 $615,000 $205,000 $0 3.98%
    Under 20% 46 $1,230,000 $26,739 $246 2.95%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 20.0%
    UNITED COMMUNITY BANK Other type of mortgage Trouble during payment process 1 20.0%
    UNITED COMMUNITY BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
    UNITED COMMUNITY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
    UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 1 20.0%