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

    39

    Origination Dollar Volume (All Markets)

    $3,765,000

    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 $3,355,000 $95,857 $0 0.00%
    Outside of Metro Areas 4 $410,000 $102,500 $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 39 $3,765,000 $96,538 $0 0.00%

    For 2018, Vue Community Credit Union's most frequently originated type of loan was Conventional, with 39 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 24 $2,850,000 $118,750 $0 0.00%
    Refi 11 $645,000 $58,636 $0 0.00%
    Cash Out Refi 4 $270,000 $67,500 $0 0.00%

    For 2018, Vue Community Credit Union's most frequently cited loan purpose was Home Purchase, with 24 originations. The 2nd most popular reason was Refi, with 11 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 39 $3,765,000 $96,538 $0 0.00%

    For 2018, Vue Community Credit Union's most frequently cited loan duration was Other, with 39 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 25 $1,255,000 $50,200 $0 0.00%
    $100k-200k 10 $1,470,000 $147,000 $0 0.00%
    $200k-400k 4 $1,040,000 $260,000 $0 0.00%

    2018 saw Vue Community Credit Union place emphasis on $100,000 or less loans with 25 originations, totaling $1,255,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 14 $1,070,000 $76,429 $0 0.00%
    $50k-75k 11 $985,000 $89,545 $0 0.00%
    $100k-150k 8 $1,160,000 $145,000 $0 0.00%
    $75k-100k 5 $385,000 $77,000 $0 0.00%
    $150k-250k 1 $165,000 $165,000 $0 0.00%

    Vue Community Credit Union lent most frequently to those with incomes in the $50k or less range, with 14 originations. The second most popular income band? $50k-75k, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 39 $3,765,000 $96,538 $0 0.00%

    Vue Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 39 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 37 $3,485,000 $94,189 $0 0.00%
    Not provided 1 $165,000 $165,000 $0 0.00%
    Black 1 $115,000 $115,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.00%

    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
    84.62%

    Vue Community Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 39 $3,765,000 $96,538

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 32 $2,280,000 $71,250
    Single Family (1-4 Units):Site-Built 7 $1,485,000 $212,143