Clearview Federal Credit Union Mortgage Rates, Fees & Info
Moon Township, PALEI: 549300BHPLBG0CXKTL06
Tax ID: 52-6051818
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Clearview Federal Credit Union is a smaller credit union specializing in Refi and Home Improvement loans. Clearview Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Philadelphia, Salem, Baltimore, and Washington among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)Clearview Federal 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. Clearview 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.06% | 3/19/23 |
| 30 Year Conventional Purchase | 6.81% | 3/19/23 |
| 30 Year Cash-out Refi | 6.55% | 3/19/23 |
| 15 Year Conventional Purchase | 5.68% | 3/19/23 |
| 15 Year Conventional Refi | 6.51% | 3/19/23 |
| 15 Year Cash-out Refi | 6.51% | 3/19/23 |
| 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. | ||
Originations
1,559Origination Dollar Volume (All Markets)
$154,375,000Relative Rate
Clearview Federal Credit Union's average 30 year fixed mortgage rate was
3.38%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 0.23%.
Relative Fees (Closing Costs)
Clearview Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,316.
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 $4,750.
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 |
|---|---|---|---|---|---|
| PITTSBURGH, PA (FHA|USDA|VA) | 1,369 | $133,535,000 | $97,542 | $348 | 3.40% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 20 | $1,970,000 | $98,500 | $297 | 3.01% |
| Salem, OH (FHA|USDA|VA) | 22 | $1,160,000 | $52,727 | $444 | 3.22% |
| Outside of Metro Areas | 10 | $1,120,000 | $112,000 | $270 | 2.85% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $1,100,000 | $137,500 | $268 | 3.36% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $744 | 3.23% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $1,925 | 3.36% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $755,000 | $107,857 | $280 | 3.17% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $1,176 | 3.36% |
| New Castle, PA (FHA|USDA|VA) | 9 | $675,000 | $75,000 | $321 | 3.62% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,780 | 3.12% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 10 | $630,000 | $63,000 | $615 | 3.07% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $521 | 3.08% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $0 | 2.81% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $964 | 3.69% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $610 | 3.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $491 | 3.72% |
| ERIE, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $571 | 3.30% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 2.99% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $724 | 3.36% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 2.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $291 | 3.33% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $478 | 3.43% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $609 | 3.30% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $308 | 3.48% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 2.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.99% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $300 | 3.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $591 | 3.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $231 | 3.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 2.99% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $228 | 3.40% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $716 | 3.30% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $721 | 3.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $246 | 3.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.99% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.75% |
| Somerset, PA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $201 | 3.12% |
| Indiana, PA (FHA|USDA|VA) | 3 | $125,000 | $41,667 | $294 | 3.20% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $474 | 3.53% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $95,000 | $31,667 | $261 | 3.75% |
| Seneca, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $611 | 3.50% |
| Oil City, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.25% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $136 | 5.45% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $331 | 4.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $201 | 3.50% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.99% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $231 | 3.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.00% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $201 | 2.95% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $646 | 3.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $686 | 6.00% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 2.99% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,112 | 2.80% |
| Greenville, MS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $876 | 5.75% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $199 | 5.00% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 2.99% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $291 | 3.50% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 842 | $81,320,000 | $96,580 | n/a | 3.22% |
| Conventional | 717 | $73,055,000 | $101,890 | $378 | 3.57% |
For 2021, Clearview Federal Credit Union's most frequently originated type of loan was HELOC, with 842 originations. Their 2nd most popular type was Conventional, with 717 originations.
Loan Reason
For 2021, Clearview Federal Credit Union's most frequently cited loan purpose was Refi, with 491 originations. The 2nd most popular reason was Home Improvement, with 468 originations.
Loan Duration/Length
For 2021, Clearview Federal Credit Union's most frequently cited loan duration was 20 Year, with 1,129 originations. The 2nd most popular length was 15 Year, with 205 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 674 | $67,300,000 | $99,852 |
Clearview Federal Credit Union's average total fees were $3,316, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 674 originations.
Interest Rates
During 2021, Clearview Federal Credit Union's average interest rate for loans was 3.38%, while their most frequently originated rate bucket for loans was 2.5-3%, with 711 originations.
Loan Sizing
2021 saw Clearview Federal Credit Union place emphasis on $100,000 or less loans with 978 originations, totaling $47,840,000 in origination value.
Applicant Income
Clearview Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 368 originations. The second most popular income band? $50k-75k, with 307 originations.
Applicant Debt to Income Ratio
Clearview Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 395 originations. The next most common DTI ratio? 30-36%, with 309 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications77.41%
Clearview Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination87.56%
Clearview Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,559 | $154,375,000 | $99,022 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ClearPath Lending | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |
| ClearPath Lending | Conventional home mortgage | Trouble during payment process | 1 | 6.7% |
| ClearPath Lending | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 11 | 73.3% |
| ClearPath Lending | VA mortgage | Improper use of your report | 1 | 6.7% |
| ClearPath Lending | VA mortgage | Trouble during payment process | 1 | 6.7% |