Vue Community Credit Union Mortgage Rates, Fees & Info

Bismarck, ND

LEI: 549300AIF4FYYXDE3021

Tax ID: 23-7125198

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Mortgage Data

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 two markets are Bismarck and Dickinson .

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

51

Origination Dollar Volume (All Markets)

$4,255,000

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) 48 $3,950,000 $82,292 $0 0.00%
Dickinson, ND (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
Outside of Metro Areas 2 $60,000 $30,000 $0 0.00%
Vue Community Credit Union's top markets include Bismarck and Dickinson 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 51 $4,255,000 $83,431 $0 0.00%

    For 2019, Vue Community Credit Union's most frequently originated type of loan was Conventional, with 51 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 39 $3,165,000 $81,154 $0 0.00%
    Refi 8 $520,000 $65,000 $0 0.00%
    Cash Out Refi 4 $570,000 $142,500 $0 0.00%

    For 2019, Vue Community Credit Union's most frequently cited loan purpose was Home Purchase, with 39 originations. The 2nd most popular reason was Refi, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 51 $4,255,000 $83,431 $0 0.00%

    For 2019, Vue Community Credit Union's most frequently cited loan duration was Other, with 51 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 33 $1,575,000 $47,727 $0 0.00%
    $100k-200k 14 $1,810,000 $129,286 $0 0.00%
    $200k-400k 4 $870,000 $217,500 $0 0.00%

    2019 saw Vue Community Credit Union place emphasis on $100,000 or less loans with 33 originations, totaling $1,575,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 21 $1,215,000 $57,857 $0 0.00%
    $50k-75k 11 $875,000 $79,545 $0 0.00%
    $100k-150k 9 $995,000 $110,556 $0 0.00%
    $75k-100k 7 $875,000 $125,000 $0 0.00%
    $250k+ 2 $230,000 $115,000 $0 0.00%
    $150k-250k 1 $65,000 $65,000 $0 0.00%

    Vue Community Credit Union lent most frequently to those with incomes in the $50k or less range, with 21 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% 51 $4,255,000 $83,431 $0 0.00%

    Vue Community Credit Union lent most frequently to those with DTI ratios of Exempt%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 47 $3,855,000 $82,021 $0 0.00%
    American Indian 2 $230,000 $115,000 $0 0.00%
    Not provided 2 $170,000 $85,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    91.94%

    Vue Community Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.24%

    Vue Community Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 51 $4,255,000 $83,431

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 41 $2,825,000 $68,902
    Single Family (1-4 Units):Site-Built 10 $1,430,000 $143,000