Credit Union Mortgage Association Rates, Fees & Info

WILMINGTON, DE

LEI: 549300DNWSJUNAWUM003

Tax ID: 54-1094297

5 stars - out of 5 stars, based on 59 reviews

2021 Data | 2020 Data | 2019 Data | 2018 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

3,528

Origination Dollar Volume (All Markets)

$1,083,650,000
Show all (29) awards

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%
EspaƱola, 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 applications
90.14%

Credit Union Mortgage Association has an average approval rate.

Pick Rate

Approvals leading to origination
85.72%

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%