Vue Community Credit Union Mortgage Rates, Fees & Info

Bismarck, ND

LEI: 549300AIF4FYYXDE3021

Tax ID: 23-7125198

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Vue Community Credit Union is a smaller credit union specializing in Home Purchase loans. Vue Community Credit Union has a high proportion of conventional loans. Their top (well, only) market is Bismarck.

    Vue Community 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.

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    Originations

    38

    Origination Dollar Volume (All Markets)

    $5,500,000

    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
    BISMARCK, ND (FHA|USDA|VA) 35 $5,035,000 $143,857 $0 0.00%
    Outside of Metro Areas 3 $465,000 $155,000 $0 0.00%
    Vue Community Credit Union's top markets include and Bismarck among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 38 $5,500,000 $144,737 $0 0.00%

    For 2023, Vue Community Credit Union's most frequently originated type of loan was Conventional, with 38 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 33 $4,595,000 $139,242 $0 0.00%
    Cash Out Refi 3 $465,000 $155,000 $0 0.00%
    Refi 2 $440,000 $220,000 $0 0.00%

    For 2023, Vue Community Credit Union's most frequently cited loan purpose was Home Purchase, with 33 originations. The 2nd most popular reason was Cash Out Refi, with 3 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 38 $5,500,000 $144,737 $0 0.00%

    For 2023, Vue Community Credit Union's most frequently cited loan duration was Other, with 38 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 15 $815,000 $54,333 $0 0.00%
    $100k-200k 14 $2,070,000 $147,857 $0 0.00%
    $200k-400k 8 $2,150,000 $268,750 $0 0.00%
    $400k-600k 1 $465,000 $465,000 $0 0.00%

    2023 saw Vue Community Credit Union place emphasis on $100,000 or less loans with 15 originations, totaling $815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 13 $1,555,000 $119,615 $0 0.00%
    $75k-100k 9 $1,295,000 $143,889 $0 0.00%
    $50k or less 7 $515,000 $73,571 $0 0.00%
    $100k-150k 5 $1,195,000 $239,000 $0 0.00%
    $150k-250k 2 $620,000 $310,000 $0 0.00%
    $250k+ 2 $320,000 $160,000 $0 0.00%

    Vue Community Credit Union lent most frequently to those with incomes in the $50k-75k range, with 13 originations. The second most popular income band? $75k-100k, with 9 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 38 $5,500,000 $144,737 $0 0.00%

    Vue Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 38 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 33 $4,675,000 $141,667 $0 0.00%
    American Indian 3 $555,000 $185,000 $0 0.00%
    Not applicable 2 $270,000 $135,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Vue Community 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 origination
    89.47%

    Vue Community Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 38 $5,500,000 $144,737

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    38 $5,500,000 $144,737