Ukrainian National Federal Credit Union Mortgage Rates, Fees & Info
New York, NYLEI: 549300CJDUFKEK0WMB04
Tax ID: 13-6208514
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Ukrainian National Federal Credit Union is a smaller credit union specializing in Home Purchase loans. Ukrainian National Federal Credit Union has a high proportion of conventional loans. Ukrainian National Federal Credit Union has a low ratio of conventional loans. Their top markets by origination volume include: New York, Bridgeport, Allentown, East Stroudsburg, 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 an above average pick rate when compared to similar lenders. Ukrainian National 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 |
|---|---|---|
| 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
62Origination Dollar Volume (All Markets)
$28,960,000Top 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) | 47 | $24,195,000 | $514,787 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $1,210,000 | $605,000 | $0 | 0.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 0.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,879 | 3.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 0.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 60 | $28,640,000 | $477,333 | $0 | 0.00% |
| Conventional | 2 | $320,000 | $160,000 | $4,879 | 3.75% |
For 2022, Ukrainian National Federal Credit Union's most frequently originated type of loan was Conventional, with 60 originations. Their 2nd most popular type was Conventional, with 2 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 55 | $25,095,000 | $456,273 | $4,879 | 3.75% |
| Refi | 6 | $3,480,000 | $580,000 | $0 | 0.00% |
| Home Improvement | 1 | $385,000 | $385,000 | $0 | 0.00% |
For 2022, Ukrainian National Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 55 originations. The 2nd most popular reason was Refi, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 60 | $28,640,000 | $477,333 | $0 | 0.00% |
| 30 Year | 2 | $320,000 | $160,000 | $4,879 | 3.75% |
For 2022, Ukrainian National Federal Credit Union's most frequently cited loan duration was Other, with 60 originations. The 2nd most popular length was 30 Year, with 2 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2 | $320,000 | $160,000 |
Ukrainian National Federal Credit Union's average total fees were $4,879, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1 | $155,000 | $155,000 |
| 4-5% | 1 | $165,000 | $165,000 |
During 2022, Ukrainian National Federal Credit Union's average interest rate for loans was 3.75%, while their most frequently originated rate bucket for loans was 3-4%, with 1 originations.
Loan Sizing
2022 saw Ukrainian National Federal Credit Union place emphasis on $400k-600k loans with 23 originations, totaling $11,235,000 in origination value.
Applicant Income
Ukrainian National Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 20 originations. The second most popular income band? $100k-150k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 60 | $28,640,000 | $477,333 | $0 | 0.00% |
| <20% | 1 | $165,000 | $165,000 | $5,044 | 4.25% |
| 20-30% | 1 | $155,000 | $155,000 | $4,714 | 3.25% |
Ukrainian National Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 60 originations. The next most common DTI ratio? <20%, with 1 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 62 | $28,960,000 | $467,097 | $4,879 | 3.75% |
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 origination98.39%
Ukrainian National Federal Credit Union has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 60 | $28,640,000 | $477,333 |
| NA | 2 | $320,000 | $160,000 |