Ukrainian National Federal Credit Union Mortgage Rates, Fees & Info
New York, NYLEI: 549300CJDUFKEK0WMB04
Tax ID: 13-6208514
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Mortgage Data
Review & Overview
Ukrainian National Federal Credit Union is a smaller credit union specializing in Home Purchase and Cash Out Refi loans. Ukrainian National Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: New York, Bridgeport, East Stroudsburg, Allentown, and Philadelphia among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Ukrainian National Federal 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.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 3.57% | 12/16/24 |
| 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. | ||
Ukrainian National 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
58Origination Dollar Volume (All Markets)
$22,440,000Top 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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 46 | $19,430,000 | $422,391 | $0 | 0.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $0 | 0.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 0.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 58 | $22,440,000 | $386,897 | $0 | 0.00% |
For 2021, Ukrainian National Federal Credit Union's most frequently originated type of loan was Conventional, with 58 originations.
Loan Reason
For 2021, Ukrainian National Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 40 originations. The 2nd most popular reason was Cash Out Refi, with 11 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 58 | $22,440,000 | $386,897 | $0 | 0.00% |
For 2021, Ukrainian National Federal Credit Union's most frequently cited loan duration was Other, with 58 originations.
Loan Sizing
2021 saw Ukrainian National Federal Credit Union place emphasis on $200k-400k loans with 21 originations, totaling $5,635,000 in origination value.
Applicant Income
Ukrainian National Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 18 originations. The second most popular income band? $150k-250k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 58 | $22,440,000 | $386,897 | $0 | 0.00% |
Ukrainian National Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 58 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 57 | $22,085,000 | $387,456 | $0 | 0.00% |
| Asian | 1 | $355,000 | $355,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
Ukrainian National Federal 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 origination89.66%
Ukrainian National Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 58 | $22,440,000 | $386,897 |