Clearview Federal Credit Union Mortgage Rates, Fees & Info
Moon Township, PALEI: 549300BHPLBG0CXKTL06
Tax ID: 52-6051818
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Mortgage Data
Review & Overview
Clearview Federal Credit Union is a smaller credit union specializing in Other and Refi loans. Clearview Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Philadelphia, Salem, Weirton, and Meadville among others. We have data for 61 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 an average pick rate when compared to similar lenders. Clearview Federal 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.14% | 4/21/24 |
| 30 Year Conventional Purchase | 5.88% | 4/21/24 |
| 30 Year Conventional Refi | 6.18% | 4/21/24 |
| 30 Year Cash-out Refi | 5.87% | 4/21/24 |
| 15 Year Conventional Purchase | 5.51% | 4/21/24 |
| 15 Year Conventional Refi | 5.91% | 4/21/24 |
| 15 Year Cash-out Refi | 5.91% | 4/21/24 |
| 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. | ||
Clearview Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,100Origination Dollar Volume (All Markets)
$84,580,000Awards
Clearview Federal Credit Union - 2018
Clearview Federal Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 942 | $70,990,000 | $75,361 | $519 | 4.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 16 | $1,690,000 | $105,625 | $604 | 4.41% |
| Salem, OH (FHA|USDA|VA) | 18 | $1,260,000 | $70,000 | $833 | 4.56% |
| Outside of Metro Areas | 11 | $945,000 | $85,909 | $896 | 4.60% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 9 | $625,000 | $69,444 | $868 | 5.00% |
| Meadville, PA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,411 | 4.92% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $555,000 | $79,286 | $340 | 4.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $1,248 | 4.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $529 | 4.37% |
| OCALA, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,944 | 4.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,927 | 3.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $616 | 4.67% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $419 | 4.90% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $310,000 | $51,667 | $335 | 4.96% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,016 | 5.00% |
| New Castle, PA (FHA|USDA|VA) | 6 | $270,000 | $45,000 | $401 | 4.42% |
| Indiana, PA (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $476 | 4.92% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,577 | 5.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $421 | 4.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $491 | 3.25% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $269 | 4.42% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $286 | 4.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $645 | 3.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $246 | 4.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $576 | 5.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $433 | 4.38% |
| Shelby, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,864 | 5.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $201 | 4.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,673 | 5.06% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,849 | 3.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $391 | 5.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,253 | 4.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $516 | 4.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $291 | 4.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $105,000 | $35,000 | $229 | 5.17% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $430 | 7.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $1,272 | 4.81% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,558 | 4.63% |
| Somerset, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $511 | 4.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $291 | 4.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $291 | 5.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $571 | 4.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $266 | 3.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $241 | 6.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.24% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $601 | 6.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $231 | 4.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $450 | 4.75% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $605 | 4.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.74% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $391 | 4.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $30,000 | $15,000 | $494 | 5.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $246 | 5.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $701 | 7.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $756 | 7.00% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $521 | 4.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.24% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $291 | 4.25% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $576 | 6.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Clearview Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 782 | $58,870,000 | $75,281 | $571 | 4.49% |
| HELOC | 318 | $25,710,000 | $80,849 | n/a | 5.01% |
For 2018, Clearview Federal Credit Union's most frequently originated type of loan was Conventional, with 782 originations. Their 2nd most popular type was HELOC, with 318 originations.
Loan Reason
For 2018, Clearview Federal Credit Union's most frequently cited loan purpose was Other, with 314 originations. The 2nd most popular reason was Refi, with 291 originations.
Loan Duration/Length
For 2018, Clearview Federal Credit Union's most frequently cited loan duration was 20 Year, with 537 originations. The 2nd most popular length was 15 Year, with 162 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 755 | $55,615,000 | $73,662 |
Clearview Federal Credit Union's average total fees were $3,015, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 755 originations.
Interest Rates
During 2018, Clearview Federal Credit Union's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 553 originations.
Loan Sizing
2018 saw Clearview Federal Credit Union place emphasis on $100,000 or less loans with 814 originations, totaling $36,780,000 in origination value.
Applicant Income
Clearview Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 268 originations. The second most popular income band? $50k-75k, with 262 originations.
Applicant Debt to Income Ratio
Clearview Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 303 originations. The next most common DTI ratio? 30-36%, with 229 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.31%
Clearview Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination90.36%
Clearview Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,100 | $84,580,000 | $76,891 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ClearPath Lending | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| ClearPath Lending | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 66.7% |