Credit Union Mortgage Association Rates, Fees & Info
WILMINGTON, DELEI: 549300DNWSJUNAWUM003
Tax ID: 54-1094297
5 stars
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Mortgage Data
Overview
Credit Union Mortgage Association is a small credit union specializing in Cash Out Refi, Refi, and Home Purchase loans. Credit Union Mortgage Association has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Washington, Baltimore, Miami, Detroit, and Charlotte among others. Credit Union Mortgage Association has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Credit Union Mortgage Association is typically an average fee lendor.Originations
3,528Origination Dollar Volume (All Markets)
$1,083,650,000Awards
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CREDIT UNION MORTGAGE ASSOCIATION - 2021
CREDIT UNION MORTGAGE ASSOCIATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Credit Union Mortgage Association 's average 30 year fixed rate mortgage of loans were
2.87%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.28%.
Relative Fees
Credit Union Mortgage Association 's average total fees for a 30 year fixed rate
mortgage are $4,529.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1,483 | $569,215,000 | $383,827 | $4,780 | 2.79% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 346 | $96,400,000 | $278,613 | $3,837 | 2.72% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 109 | $29,295,000 | $268,761 | $4,551 | 2.82% |
| Outside of Metro Areas | 109 | $26,635,000 | $244,358 | $4,127 | 2.83% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 146 | $24,000,000 | $164,384 | $2,919 | 2.76% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 74 | $16,990,000 | $229,595 | $3,590 | 2.81% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 93 | $16,735,000 | $179,946 | $3,858 | 2.81% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 78 | $16,580,000 | $212,564 | $5,203 | 2.66% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 39 | $14,615,000 | $374,744 | $5,191 | 2.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 20 | $9,350,000 | $467,500 | $4,087 | 2.81% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 30 | $9,300,000 | $310,000 | $4,289 | 2.76% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 55 | $8,625,000 | $156,818 | $4,147 | 2.78% |
| RICHMOND, VA (FHA|USDA|VA) | 35 | $8,455,000 | $241,571 | $4,048 | 2.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 32 | $8,440,000 | $263,750 | $4,704 | 2.70% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 40 | $7,310,000 | $182,750 | $3,363 | 2.80% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 23 | $6,695,000 | $291,087 | $3,964 | 2.68% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 18 | $5,710,000 | $317,222 | $4,349 | 2.85% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 21 | $5,335,000 | $254,048 | $4,983 | 2.85% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 18 | $5,290,000 | $293,889 | $4,622 | 2.79% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 32 | $5,140,000 | $160,625 | $3,145 | 3.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 12 | $4,980,000 | $415,000 | $3,422 | 2.78% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 13 | $4,815,000 | $370,385 | $4,207 | 2.91% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 9 | $4,715,000 | $523,889 | $5,569 | 3.04% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $4,635,000 | $309,000 | $4,433 | 3.02% |
| BEND, OR (FHA|USDA|VA) | 17 | $4,375,000 | $257,353 | $3,832 | 3.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $4,155,000 | $593,571 | $8,103 | 2.70% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $3,880,000 | $277,143 | $5,331 | 2.71% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 27 | $3,855,000 | $142,778 | $3,518 | 2.77% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 23 | $3,505,000 | $152,391 | $3,372 | 2.78% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 13 | $3,305,000 | $254,231 | $4,168 | 2.82% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $3,295,000 | $366,111 | $4,472 | 2.85% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 13 | $3,215,000 | $247,308 | $3,958 | 2.79% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 14 | $3,060,000 | $218,571 | $4,071 | 2.83% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 5 | $3,055,000 | $611,000 | $5,733 | 2.90% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $2,995,000 | $427,857 | $4,073 | 3.04% |
| Edwards, CO (FHA|USDA|VA) | 1 | $2,945,000 | $2,945,000 | $22,791 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 14 | $2,870,000 | $205,000 | $4,688 | 2.80% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $3,630 | 2.88% |
| Sayre, PA (FHA|USDA|VA) | 18 | $2,720,000 | $151,111 | $4,050 | 2.78% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 11 | $2,615,000 | $237,727 | $5,413 | 2.80% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 13 | $2,385,000 | $183,462 | $4,996 | 2.56% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 9 | $2,365,000 | $262,778 | $3,995 | 2.69% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 10 | $2,280,000 | $228,000 | $3,963 | 2.80% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 11 | $2,275,000 | $206,818 | $4,674 | 2.64% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $2,270,000 | $567,500 | $6,070 | 2.97% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $2,220,000 | $370,000 | $4,625 | 2.73% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $3,434 | 2.56% |
| ROANOKE, VA (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $4,099 | 2.92% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $1,990,000 | $497,500 | $4,043 | 2.53% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $4,275 | 2.82% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $3,637 | 2.56% |
| WILMINGTON, NC (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $3,515 | 2.73% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $4,383 | 2.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $3,379 | 2.65% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $4,151 | 2.95% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $6,378 | 2.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $4,649 | 2.98% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $4,443 | 2.56% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $4,288 | 2.65% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $1,550,000 | $775,000 | $3,649 | 2.81% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $4,116 | 2.88% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $2,631 | 3.21% |
| BINGHAMTON, NY (FHA|USDA|VA) | 12 | $1,490,000 | $124,167 | $4,120 | 2.94% |
| Prineville, OR (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $4,801 | 3.15% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $4,895 | 2.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $4,435 | 2.65% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $1,320,000 | $660,000 | $5,251 | 3.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $1,305,000 | $435,000 | $3,799 | 2.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $6,560 | 2.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $5,121 | 2.94% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $3,719 | 3.20% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $4,996 | 2.91% |
| MONROE, MI (FHA|USDA|VA) | 7 | $1,155,000 | $165,000 | $2,796 | 2.71% |
| LYNCHBURG, VA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $4,378 | 2.81% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $7,558 | 2.81% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $5,778 | 2.38% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $7,120 | 2.88% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $4,923 | 2.69% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $4,074 | 2.80% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $3,781 | 2.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $3,363 | 2.85% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,810 | 2.58% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,958 | 3.08% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $3,439 | 2.38% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,614 | 2.91% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $4,078 | 3.17% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $4,743 | 3.17% |
| Martinsville, VA (FHA|USDA|VA) | 9 | $955,000 | $106,111 | $3,661 | 3.08% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $4,348 | 2.83% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,996 | 2.79% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,497 | 3.06% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $3,700 | 2.88% |
| TULSA, OK (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,091 | 2.96% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,152 | 2.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $3,566 | 2.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $3,859 | 2.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,867 | 2.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,932 | 3.47% |
| READING, PA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,049 | 2.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,532 | 3.00% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $4,869 | 2.78% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $5,390 | 3.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,374 | 2.63% |
| Torrington, CT (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,366 | 2.44% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,643 | 3.42% |
| Danville, VA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,347 | 2.96% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,471 | 2.94% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,330 | 2.94% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,325 | 2.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,447 | 2.88% |
| Clarksburg, WV (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $5,247 | 3.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,217 | 2.50% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,501 | 2.88% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,870 | 3.13% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,606 | 4.00% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,299 | 3.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,151 | 2.81% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,995 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,921 | 2.69% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,807 | 2.44% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,594 | 3.00% |
| DOVER, DE (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,058 | 2.75% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 2.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,144 | 2.88% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,263 | 2.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,227 | 3.00% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,038 | 2.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,984 | 3.06% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,046 | 2.88% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,507 | 2.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,957 | 3.00% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,927 | 3.06% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,647 | 2.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,893 | 2.69% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,483 | 1.99% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,306 | 3.19% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,593 | 2.63% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,322 | 2.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,418 | 2.56% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,523 | 2.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,462 | 2.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,026 | 2.50% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,389 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,943 | 2.69% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,556 | 2.50% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,135 | 2.25% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,389 | 2.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,832 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,342 | 3.38% |
| Oxford, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,758 | 2.13% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,538 | 2.50% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,262 | 3.38% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,303 | 3.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,687 | 3.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,591 | 2.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,357 | 2.88% |
| CHICO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,324 | 2.88% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,413 | 3.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,313 | 2.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,447 | 2.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,993 | 2.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,245 | 3.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,192 | 3.63% |
| MADERA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,459 | 2.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,859 | 3.00% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,525 | 3.50% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,749 | 3.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,486 | 2.88% |
| Craig, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,839 | 3.00% |
| Outside of Metro Areas | 1 | $245,000 | $245,000 | $4,675 | 2.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,344 | 3.06% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,725 | 3.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,707 | 3.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,309 | 3.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,069 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,004 | 3.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,437 | 2.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,584 | 3.00% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,136 | 3.00% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,618 | 3.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,994 | 2.25% |
| Helena, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,120 | 2.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,201 | 3.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,942 | 2.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,053 | 3.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,116 | 2.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,118 | 2.81% |
| Rutland, VT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,369 | 2.38% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,302 | 2.25% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,717 | 2.75% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,109 | 3.00% |
| Española, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,277 | 4.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,503 | 2.88% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,324 | 3.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,166 | 2.13% |
| Athens, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,830 | 3.00% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,484 | 3.00% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,990 | 2.63% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,604 | 2.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,165 | 2.88% |
| Henderson, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,505 | 2.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,298 | 3.13% |
| Wilson, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,358 | 2.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,713 | 2.63% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,571 | 3.00% |
| Indiana, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,765 | 2.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,226 | 2.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,702 | 3.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,299 | 2.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,660 | 2.38% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,905 | 3.00% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,627 | 3.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,109 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,149 | 2.88% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,043 | 2.38% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,151 | 2.38% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,613 | 3.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,405 | 2.88% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,214 | 2.75% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,592 | 2.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,734 | 2.50% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,752 | 2.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,339 | 2.31% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,846 | 2.88% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,233 | 2.88% |
| Somerset, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,314 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,560 | 2.88% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,203 | 2.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,088 | 3.00% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,667 | 2.63% |
| MONROE, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,774 | 2.63% |
| Roswell, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,768 | 2.88% |
| Celina, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,445 | 2.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,383 | 2.88% |
| Urbana, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,197 | 3.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,583 | 2.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,845 | 2.75% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,548 | 3.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,728 | 3.25% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,902 | 2.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,766 | 2.13% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,323 | 3.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,504 | 2.88% |
| RACINE, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,104 | 2.38% |
| Central City, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,310 | 3.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,049 | 2.75% |
| West Plains, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,273 | 2.38% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,812 | 2.50% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,115 | 2.38% |
| Elkins, WV (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,139 | 3.00% |
Credit Union Mortgage Association 's top markets include Washington, Baltimore, Miami, Detroit, and Charlotte among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,414 | $1,052,870,000 | $308,398 | $4,310 | 2.79% |
| VA | 67 | $20,435,000 | $305,000 | $5,304 | 2.77% |
| FHA | 38 | $8,840,000 | $232,632 | $7,846 | 2.88% |
| USDA | 9 | $1,505,000 | $167,222 | $5,303 | 3.08% |
For the 2021 period, Credit Union Mortgage Association 's most frequently originated loan type of loans were Conventional, with 3,414 originations. Their 2nd most popular type is VA, with 67 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 1,611 | $495,615,000 | $307,644 | $4,194 | 2.79% |
| Refi | 1,028 | $297,310,000 | $289,212 | $4,074 | 2.70% |
| Home Purchase | 848 | $280,920,000 | $331,274 | $5,090 | 2.90% |
| Home Improvement | 41 | $9,805,000 | $239,146 | $3,722 | 2.76% |
For the 2021, Credit Union Mortgage Association 's most frequently cited loan purpose of loans were Cash Out Refi, with 1,611 originations. The 2nd most popular reason of loans were Refi, with 1,028 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,526 | $846,990,000 | $335,309 | $4,529 | 2.87% |
| 15 Year | 609 | $138,255,000 | $227,020 | $3,916 | 2.46% |
| 20 Year | 297 | $77,405,000 | $260,623 | $4,063 | 2.84% |
| 10 Year | 62 | $9,790,000 | $157,903 | $3,480 | 2.45% |
| Other | 34 | $11,210,000 | $329,706 | $4,922 | 3.37% |
For the 2021, Credit Union Mortgage Association 's most frequently cited loan length of loans were 30 Year, with 2,526 originations. The 2nd most popular length of loans were 15 Year, with 609 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 2,764 | $808,250,000 | $292,420 |
| $3k-4k | 306 | $97,500,000 | $318,627 |
| $5k+ | 201 | $122,485,000 | $609,378 |
| $2k-3k | 195 | $37,125,000 | $190,385 |
| $<1k | 56 | $17,420,000 | $311,071 |
$4,529 of loans were Credit Union Mortgage Association 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,764 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,996 | $598,180,000 | $299,689 |
| <2.5% | 1,015 | $315,615,000 | $310,951 |
| 3-4% | 490 | $163,040,000 | $332,735 |
| 4-5% | 25 | $6,345,000 | $253,800 |
| 5-6% | 2 | $470,000 | $235,000 |
During 2021, Credit Union Mortgage Association 's average interest rate of loans were 2.87%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,996 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,546 | $446,130,000 | $288,571 | $4,130 | 2.79% |
| $100k-200k | 965 | $146,135,000 | $151,435 | $3,624 | 2.80% |
| $400k-600k | 535 | $259,175,000 | $484,439 | $5,332 | 2.78% |
| $600k-1MM | 243 | $175,545,000 | $722,407 | $6,838 | 2.77% |
| $100,000 or less | 209 | $16,735,000 | $80,072 | $3,169 | 2.77% |
| $1MM+ | 30 | $39,930,000 | $1,331,000 | $11,746 | 2.91% |
2021 saw Credit Union Mortgage Association place emphasis on $200k-400k loans with 1,546 originations, totaling $446,130,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 974 | $301,960,000 | $310,021 | $4,347 | 2.77% |
| $150k-250k | 773 | $309,285,000 | $400,110 | $4,843 | 2.76% |
| $50k-75k | 609 | $116,555,000 | $191,388 | $3,784 | 2.82% |
| $75k-100k | 597 | $144,735,000 | $242,437 | $4,018 | 2.79% |
| $250k+ | 290 | $170,130,000 | $586,655 | $5,921 | 2.78% |
| $50k or less | 284 | $40,820,000 | $143,732 | $3,559 | 2.90% |
Credit Union Mortgage Association lent most frequently to those with incomes in the $100k-150k range, with 974 originations. The second most popular income band? $150k-250k, with 773 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 1,046 | $322,220,000 | $308,050 | $4,290 | 2.76% |
| 30-36% | 722 | $221,610,000 | $306,939 | $4,309 | 2.81% |
| <20% | 488 | $134,750,000 | $276,127 | $4,062 | 2.69% |
| 36% | 137 | $41,315,000 | $301,569 | $4,389 | 2.80% |
| 38% | 124 | $40,070,000 | $323,145 | $4,434 | 2.85% |
| 39% | 112 | $35,610,000 | $317,946 | $4,336 | 2.82% |
| 37% | 111 | $35,125,000 | $316,441 | $4,467 | 2.83% |
| 40% | 106 | $33,610,000 | $317,075 | $4,542 | 2.81% |
| 42% | 99 | $35,005,000 | $353,586 | $5,148 | 2.83% |
| 41% | 95 | $32,595,000 | $343,105 | $4,927 | 2.81% |
| 44% | 92 | $26,860,000 | $291,957 | $4,369 | 2.89% |
| 43% | 86 | $26,380,000 | $306,744 | $4,313 | 2.82% |
| 50-60% | 62 | $21,080,000 | $340,000 | $5,599 | 2.86% |
| 46% | 52 | $16,340,000 | $314,231 | $4,402 | 2.90% |
| 48% | 50 | $16,080,000 | $321,600 | $4,365 | 2.78% |
| 45% | 41 | $12,245,000 | $298,659 | $4,472 | 2.92% |
| 47% | 34 | $10,240,000 | $301,176 | $4,593 | 2.91% |
| 49% | 31 | $9,505,000 | $306,613 | $4,794 | 3.03% |
| >60% | 14 | $4,840,000 | $345,714 | $5,321 | 2.87% |
Credit Union Mortgage Association lent most frequently to those with DTI ratios of 20-30%, with 1,046 originations. The next most common DTI ratio? 30-36%, with 722 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,533 | $473,045,000 | $308,575 | $4,342 | 2.76% |
| Not provided | 1,298 | $386,110,000 | $297,465 | $4,329 | 2.83% |
| Black | 507 | $147,015,000 | $289,970 | $4,324 | 2.85% |
| Asian | 150 | $64,540,000 | $430,267 | $5,165 | 2.63% |
| American Indian | 16 | $4,740,000 | $296,250 | $4,356 | 2.91% |
| Asian Indian | 5 | $2,465,000 | $493,000 | $5,253 | 2.38% |
| Other Asian | 5 | $1,495,000 | $299,000 | $3,423 | 2.70% |
| Other Pacific Islander | 4 | $1,360,000 | $340,000 | $3,581 | 2.66% |
| Vietnamese | 2 | $900,000 | $450,000 | $4,608 | 2.75% |
| Korean | 3 | $825,000 | $275,000 | $4,143 | 2.42% |
| Native Hawaiian | 3 | $665,000 | $221,667 | $4,746 | 3.08% |
| Japanese | 2 | $490,000 | $245,000 | $4,698 | 2.63% |
Approval Rates
Total approvals of all applications90.14%
Credit Union Mortgage Association has an average approval rate.
Pick Rate
Approvals leading to origination85.72%
Credit Union Mortgage Association has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,528 | $1,083,650,000 | $307,157 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,528 | $1,083,650,000 | $307,157 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 219 | $41,265,000 | $188,425 | $3,701 | 2.66% |
| 40-60% | 738 | $195,010,000 | $264,241 | $3,959 | 2.70% |
| 60-80% | 1,603 | $516,255,000 | $322,056 | $4,384 | 2.80% |
| 80-100% | 898 | $314,310,000 | $350,011 | $4,812 | 2.88% |
| Over 100% | 10 | $3,360,000 | $336,000 | $9,627 | 2.84% |
| Under 20% | 27 | $3,615,000 | $133,889 | $3,791 | 2.56% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Credit Union Mortgage Association, Inc. | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |
