Credit Union Mortgage Association Rates, Fees & Info

WILMINGTON, DE

LEI: 549300DNWSJUNAWUM003

Tax ID: 54-1094297

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Credit Union Mortgage Association is a smaller 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 by origination volume include: Washington, Baltimore, Fayetteville, Charlotte, and New York among others. We have data for 208 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Credit Union Mortgage Association 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. Credit Union Mortgage Association 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.04% 11/17/24
    30 Year Conventional Refi 5.99% 11/17/24
    30 Year Cash-out Refi 6.01% 11/17/24
    30 Year FHA Purchase 7.13% 11/17/24
    30 Year FHA Refi 6.27% 11/17/24
    30 Year VA Purchase 6.05% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    30 Year USDA Purchase 6.79% 11/17/24
    15 Year Conventional Purchase 5.38% 11/17/24
    15 Year Conventional Refi 5.46% 11/17/24
    15 Year Cash-out Refi 5.46% 11/17/24
    15 Year FHA Purchase 7.17% 11/17/24
    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.

    Credit Union Mortgage Association Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Credit Union Mortgage Association. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,920

    Origination Dollar Volume (All Markets)

    $897,310,000
    Show all (5) awards

    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
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,387 $515,545,000 $371,698 $4,718 3.05%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 273 $82,015,000 $300,421 $3,989 3.05%
    Outside of Metro Areas 130 $27,850,000 $214,231 $4,048 3.12%
    FAYETTEVILLE, NC (FHA|USDA|VA) 77 $14,575,000 $189,286 $3,869 3.02%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 66 $13,500,000 $204,545 $3,338 3.06%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 31 $10,915,000 $352,097 $4,775 2.91%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 58 $10,670,000 $183,966 $4,234 2.88%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 21 $9,485,000 $451,667 $4,762 3.06%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 19 $8,095,000 $426,053 $4,538 3.09%
    BEND, OR (FHA|USDA|VA) 26 $7,500,000 $288,462 $5,269 3.35%
    WINSTON-SALEM, NC (FHA|USDA|VA) 40 $7,440,000 $186,000 $3,287 3.04%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 26 $7,290,000 $280,385 $5,235 3.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 24 $7,260,000 $302,500 $4,940 2.89%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 24 $6,820,000 $284,167 $4,269 3.27%
    SALISBURY, MD-DE (FHA|USDA|VA) 27 $6,525,000 $241,667 $4,238 3.01%
    RICHMOND, VA (FHA|USDA|VA) 17 $5,575,000 $327,941 $4,090 2.91%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $4,800,000 $342,857 $4,420 2.97%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 29 $4,705,000 $162,241 $3,745 3.21%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 16 $4,290,000 $268,125 $4,682 3.16%
    RALEIGH-CARY, NC (FHA|USDA|VA) 17 $4,005,000 $235,588 $4,184 3.04%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $3,900,000 $390,000 $3,649 3.26%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 17 $3,875,000 $227,941 $3,265 2.93%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 15 $3,865,000 $257,667 $4,993 3.18%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $3,780,000 $472,500 $4,245 3.09%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 10 $3,680,000 $368,000 $5,327 3.31%
    WINCHESTER, VA-WV (FHA|USDA|VA) 17 $3,635,000 $213,824 $3,527 3.17%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 28 $3,460,000 $123,571 $3,238 3.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 10 $3,150,000 $315,000 $4,518 2.99%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 10 $2,990,000 $299,000 $4,133 3.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 11 $2,875,000 $261,364 $5,570 3.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,855,000 $407,857 $4,735 3.14%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 12 $2,770,000 $230,833 $4,258 3.02%
    YORK-HANOVER, PA (FHA|USDA|VA) 16 $2,740,000 $171,250 $4,443 2.85%
    WILMINGTON, NC (FHA|USDA|VA) 13 $2,565,000 $197,308 $3,921 3.10%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 8 $2,490,000 $311,250 $4,672 3.13%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,370,000 $395,000 $3,811 3.56%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 15 $2,245,000 $149,667 $3,257 3.18%
    Martinsville, VA (FHA|USDA|VA) 20 $2,140,000 $107,000 $4,585 3.44%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 11 $2,045,000 $185,909 $3,867 3.05%
    Sayre, PA (FHA|USDA|VA) 14 $1,970,000 $140,714 $4,081 3.00%
    Easton, MD (FHA|USDA|VA) 4 $1,630,000 $407,500 $2,824 3.09%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,495,000 $213,571 $4,691 2.82%
    ALBUQUERQUE, NM (FHA|USDA|VA) 6 $1,490,000 $248,333 $4,202 3.17%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 5 $1,465,000 $293,000 $3,145 3.08%
    FORT COLLINS, CO (FHA|USDA|VA) 4 $1,340,000 $335,000 $3,907 2.97%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,320,000 $330,000 $4,550 3.28%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,700 3.16%
    SPRINGFIELD, MA (FHA|USDA|VA) 4 $1,220,000 $305,000 $5,292 3.19%
    Prineville, OR (FHA|USDA|VA) 4 $1,210,000 $302,500 $5,453 3.56%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $1,195,000 $239,000 $3,309 2.93%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,170,000 $195,000 $4,111 3.79%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,926 3.04%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 7 $1,065,000 $152,143 $3,547 3.00%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,397 2.75%
    ROANOKE, VA (FHA|USDA|VA) 6 $1,040,000 $173,333 $3,585 3.35%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $1,040,000 $130,000 $4,770 2.64%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,025,000 $341,667 $4,435 3.13%
    BILLINGS, MT (FHA|USDA|VA) 4 $1,010,000 $252,500 $3,540 3.16%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $995,000 $199,000 $3,541 3.10%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $955,000 $318,333 $3,720 3.08%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $935,000 $311,667 $4,430 3.42%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $925,000 $308,333 $6,002 3.33%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $905,000 $181,000 $3,465 2.95%
    GETTYSBURG, PA (FHA|USDA|VA) 4 $880,000 $220,000 $4,482 2.69%
    OCALA, FL (FHA|USDA|VA) 4 $860,000 $215,000 $3,958 3.13%
    ASHEVILLE, NC (FHA|USDA|VA) 3 $815,000 $271,667 $4,288 3.08%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $810,000 $405,000 $5,009 3.38%
    Kalispell, MT (FHA|USDA|VA) 3 $795,000 $265,000 $3,721 3.38%
    PITTSBURGH, PA (FHA|USDA|VA) 5 $785,000 $157,000 $4,444 3.20%
    NAPA, CA (FHA|USDA|VA) 2 $760,000 $380,000 $3,211 3.06%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $745,000 $745,000 $5,390 3.50%
    Edwards, CO (FHA|USDA|VA) 1 $735,000 $735,000 $10,634 3.50%
    Bozeman, MT (FHA|USDA|VA) 2 $720,000 $360,000 $5,353 3.06%
    Sanford, NC (FHA|USDA|VA) 4 $720,000 $180,000 $2,703 3.06%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $715,000 $238,333 $4,951 3.00%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 4 $700,000 $175,000 $5,115 3.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $665,000 $221,667 $5,944 2.92%
    Sandpoint, ID (FHA|USDA|VA) 2 $640,000 $320,000 $5,069 2.88%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $635,000 $211,667 $3,516 2.67%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $635,000 $211,667 $4,879 2.96%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $615,000 $205,000 $2,615 3.13%
    URBAN HONOLULU, HI (FHA|USDA|VA) 1 $615,000 $615,000 $11,471 3.13%
    COLUMBIA, SC (FHA|USDA|VA) 2 $610,000 $305,000 $3,939 3.31%
    Durango, CO (FHA|USDA|VA) 2 $610,000 $305,000 $4,653 3.56%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $590,000 $295,000 $3,713 3.44%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $580,000 $290,000 $4,026 3.31%
    MERCED, CA (FHA|USDA|VA) 1 $575,000 $575,000 $3,906 3.13%
    TUCSON, AZ (FHA|USDA|VA) 2 $560,000 $280,000 $4,209 2.81%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $560,000 $280,000 $4,162 2.94%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $545,000 $181,667 $5,998 3.96%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $535,000 $178,333 $3,594 2.83%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $535,000 $178,333 $4,760 2.92%
    BURLINGTON, NC (FHA|USDA|VA) 2 $520,000 $260,000 $3,530 3.19%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $515,000 $515,000 $7,562 3.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $515,000 $515,000 $4,509 3.13%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $515,000 $171,667 $3,754 3.46%
    NEW BERN, NC (FHA|USDA|VA) 2 $510,000 $255,000 $2,549 2.69%
    Kill Devil Hills, NC (FHA|USDA|VA) 2 $510,000 $255,000 $3,290 3.13%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $510,000 $255,000 $3,350 2.69%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $510,000 $255,000 $3,489 3.19%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $505,000 $505,000 $3,752 3.00%
    FARMINGTON, NM (FHA|USDA|VA) 5 $505,000 $101,000 $4,305 2.63%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $495,000 $495,000 $4,300 3.13%
    Crescent City, CA (FHA|USDA|VA) 1 $485,000 $485,000 $4,710 2.88%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $485,000 $485,000 $4,251 3.13%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $480,000 $240,000 $4,518 3.56%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $480,000 $240,000 $5,291 3.13%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $475,000 $475,000 $4,152 3.88%
    ANCHORAGE, AK (FHA|USDA|VA) 2 $470,000 $235,000 $3,277 2.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $470,000 $235,000 $5,623 3.38%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $460,000 $230,000 $5,319 3.13%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $455,000 $455,000 $3,340 2.38%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $450,000 $225,000 $5,434 2.56%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $450,000 $225,000 $3,392 3.00%
    Cambridge, MD (FHA|USDA|VA) 2 $450,000 $225,000 $3,412 2.94%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $445,000 $148,333 $3,239 2.79%
    STAUNTON, VA (FHA|USDA|VA) 3 $445,000 $148,333 $3,030 3.46%
    DOVER, DE (FHA|USDA|VA) 2 $440,000 $220,000 $3,960 3.25%
    ROCHESTER, NY (FHA|USDA|VA) 2 $430,000 $215,000 $4,516 3.15%
    The Dalles, OR (FHA|USDA|VA) 1 $425,000 $425,000 $3,607 3.50%
    LIMA, OH (FHA|USDA|VA) 1 $405,000 $405,000 $4,267 2.88%
    READING, PA (FHA|USDA|VA) 1 $405,000 $405,000 $5,161 2.75%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $395,000 $395,000 $7,551 3.25%
    WENATCHEE, WA (FHA|USDA|VA) 2 $390,000 $195,000 $4,334 3.44%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,051 2.88%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $385,000 $385,000 $7,930 3.38%
    Farmington, MO (FHA|USDA|VA) 1 $375,000 $375,000 $7,814 3.88%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $370,000 $185,000 $4,583 2.69%
    Somerset, PA (FHA|USDA|VA) 2 $350,000 $175,000 $4,159 3.38%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $345,000 $345,000 $8,154 3.25%
    LINCOLN, NE (FHA|USDA|VA) 1 $335,000 $335,000 $2,754 3.00%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $335,000 $335,000 $3,997 3.00%
    ELMIRA, NY (FHA|USDA|VA) 3 $335,000 $111,667 $3,371 2.92%
    Palatka, FL (FHA|USDA|VA) 1 $335,000 $335,000 $7,610 2.63%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $330,000 $165,000 $3,045 2.88%
    Tupelo, MS (FHA|USDA|VA) 4 $330,000 $82,500 $3,116 3.09%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $325,000 $325,000 $3,360 3.25%
    FLORENCE, SC (FHA|USDA|VA) 1 $315,000 $315,000 $3,301 3.88%
    Danville, VA (FHA|USDA|VA) 3 $315,000 $105,000 $3,974 3.83%
    Shelby, NC (FHA|USDA|VA) 1 $315,000 $315,000 $9,176 2.88%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $310,000 $155,000 $3,493 3.19%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $310,000 $155,000 $3,678 3.25%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $305,000 $305,000 $12,338 2.38%
    Montrose, CO (FHA|USDA|VA) 1 $305,000 $305,000 $3,060 3.00%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $295,000 $295,000 $3,051 2.88%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,626 3.00%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,346 2.88%
    Outside of Metro Areas 1 $275,000 $275,000 $4,383 3.13%
    Lumberton, NC (FHA|USDA|VA) 2 $270,000 $135,000 $4,080 2.94%
    Marquette, MI (FHA|USDA|VA) 1 $265,000 $265,000 $5,773 2.75%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $265,000 $265,000 $4,378 2.88%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $255,000 $255,000 $2,687 3.38%
    Bellefontaine, OH (FHA|USDA|VA) 2 $250,000 $125,000 $5,131 3.63%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $4,022 3.25%
    Jackson, WY-ID (FHA|USDA|VA) 1 $245,000 $245,000 $2,307 2.63%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $240,000 $120,000 $2,415 2.69%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $235,000 $235,000 $2,992 2.63%
    Mount Vernon, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,727 3.50%
    Boone, NC (FHA|USDA|VA) 1 $235,000 $235,000 $5,843 2.88%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,561 2.63%
    BOISE CITY, ID (FHA|USDA|VA) 1 $225,000 $225,000 $3,741 3.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,892 4.50%
    Albemarle, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,467 3.00%
    AKRON, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,919 3.50%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,430 3.38%
    HAMMOND, LA (FHA|USDA|VA) 1 $195,000 $195,000 $5,486 3.50%
    SUMTER, SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,652 2.75%
    Durant, OK (FHA|USDA|VA) 1 $185,000 $185,000 $1,237 2.75%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $180,000 $90,000 $3,420 3.19%
    GREENVILLE, NC (FHA|USDA|VA) 2 $180,000 $90,000 $4,007 3.38%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,267 2.88%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $165,000 $165,000 $3,824 3.00%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,452 2.38%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,447 3.00%
    Greenville, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,985 3.50%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,483 2.25%
    VALDOSTA, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,840 3.38%
    Picayune, MS (FHA|USDA|VA) 1 $155,000 $155,000 $4,925 2.88%
    Klamath Falls, OR (FHA|USDA|VA) 1 $155,000 $155,000 $5,828 2.75%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $145,000 $145,000 $3,555 3.13%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $145,000 $145,000 $5,123 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,135 3.50%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,243 2.50%
    Cullman, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,572 2.38%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $135,000 $135,000 $3,117 2.75%
    JOPLIN, MO (FHA|USDA|VA) 1 $135,000 $135,000 $4,286 2.50%
    Orangeburg, SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,257 3.00%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,845 3.75%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $125,000 $125,000 $3,424 3.50%
    WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,327 3.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $125,000 $125,000 $4,690 3.13%
    Aberdeen, WA (FHA|USDA|VA) 1 $115,000 $115,000 $3,255 2.75%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,870 2.75%
    Georgetown, SC (FHA|USDA|VA) 1 $105,000 $105,000 $2,959 2.63%
    Crossville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,008 2.88%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,546 2.75%
    Butte-Silver Bow, MT (FHA|USDA|VA) 1 $105,000 $105,000 $3,004 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,227 2.63%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $3,695 4.25%
    Findlay, OH (FHA|USDA|VA) 1 $95,000 $95,000 $2,642 2.75%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $85,000 $85,000 $3,948 2.38%
    SANTA FE, NM (FHA|USDA|VA) 1 $85,000 $85,000 $4,784 3.13%
    Grenada, MS (FHA|USDA|VA) 1 $65,000 $65,000 $3,574 2.38%
    Oil City, PA (FHA|USDA|VA) 1 $65,000 $65,000 $4,217 3.00%
    Fergus Falls, MN (FHA|USDA|VA) 1 $65,000 $65,000 $2,745 3.50%
    Price, UT (FHA|USDA|VA) 1 $55,000 $55,000 $2,674 2.88%
    Show Low, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $3,805 2.63%
    Credit Union Mortgage Association's top markets include Washington, Baltimore, Fayetteville, Charlotte, and New York among others.

    Their top states include:
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against CREDIT UNION MORTGAGE ASSOCIATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Standard Bank, PaSB
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,798 $867,690,000 $310,111 $4,310 3.06%
    VA 54 $15,490,000 $286,852 $6,318 3.03%
    FHA 40 $10,380,000 $259,500 $8,224 3.22%
    USDA 28 $3,750,000 $133,929 $4,750 3.55%

    For 2020, Credit Union Mortgage Association's most frequently originated type of loan was Conventional, with 2,798 originations. Their 2nd most popular type was VA, with 54 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,160 $358,520,000 $309,069 $4,235 3.08%
    Refi 1,053 $330,125,000 $313,509 $4,113 2.93%
    Home Purchase 691 $204,085,000 $295,347 $5,152 3.23%
    Home Improvement 16 $4,580,000 $286,250 $3,592 3.09%

    For 2020, Credit Union Mortgage Association's most frequently cited loan purpose was Cash Out Refi, with 1,160 originations. The 2nd most popular reason was Refi, with 1,053 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,850 $615,990,000 $332,968 $4,615 3.20%
    15 Year 776 $201,920,000 $260,206 $4,032 2.75%
    20 Year 217 $62,925,000 $289,977 $4,187 3.03%
    10 Year 61 $11,725,000 $192,213 $3,696 2.71%
    Other 16 $4,750,000 $296,875 $3,875 3.66%

    For 2020, Credit Union Mortgage Association's most frequently cited loan duration was 30 Year, with 1,850 originations. The 2nd most popular length was 15 Year, with 776 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,129 $627,255,000 $294,624
    $2k-3k 226 $46,030,000 $203,673
    $3k-4k 197 $56,235,000 $285,457
    $5k+ 174 $95,330,000 $547,874
    $4k-5k 144 $58,900,000 $409,028
    $<1k 50 $13,560,000 $271,200

    Credit Union Mortgage Association's average total fees were $4,615, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,129 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,551 $473,505,000 $305,290
    3-4% 1,147 $366,725,000 $319,725
    <2.5% 162 $42,980,000 $265,309
    4-5% 56 $13,590,000 $242,679
    5-6% 4 $510,000 $127,500

    During 2020, Credit Union Mortgage Association's average interest rate for loans was 3.20%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,551 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,306 $378,860,000 $290,092 $4,243 3.05%
    $100k-200k 713 $108,515,000 $152,195 $3,644 3.07%
    $400k-600k 527 $253,895,000 $481,774 $5,176 3.05%
    $600k-1MM 188 $130,340,000 $693,298 $7,008 3.08%
    $100,000 or less 177 $14,105,000 $79,689 $3,402 3.12%
    $1MM+ 9 $11,595,000 $1,288,333 $8,414 3.52%

    2020 saw Credit Union Mortgage Association place emphasis on $200k-400k loans with 1,306 originations, totaling $378,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 869 $260,965,000 $300,305 $4,402 3.04%
    $150k-250k 732 $285,610,000 $390,178 $4,801 3.02%
    $75k-100k 466 $108,710,000 $233,283 $4,020 3.09%
    $50k-75k 381 $73,425,000 $192,717 $3,863 3.11%
    $250k+ 273 $141,145,000 $517,015 $5,291 3.02%
    $50k or less 199 $27,455,000 $137,965 $3,682 3.23%

    Credit Union Mortgage Association lent most frequently to those with incomes in the $100k-150k range, with 869 originations. The second most popular income band? $150k-250k, with 732 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 901 $280,445,000 $311,260 $4,284 3.01%
    30-36% 558 $175,220,000 $314,014 $4,569 3.05%
    <20% 414 $118,870,000 $287,126 $4,103 2.97%
    38% 109 $32,525,000 $298,394 $4,860 3.14%
    39% 106 $31,350,000 $295,755 $4,530 3.15%
    41% 100 $28,450,000 $284,500 $4,437 3.08%
    42% 92 $29,490,000 $320,543 $4,233 3.22%
    40% 87 $26,905,000 $309,253 $4,426 3.14%
    37% 83 $28,775,000 $346,687 $4,747 3.13%
    43% 83 $26,365,000 $317,651 $4,621 3.20%
    36% 79 $24,865,000 $314,747 $3,997 3.09%
    44% 71 $20,895,000 $294,296 $4,340 3.20%
    50-60% 57 $19,255,000 $337,807 $5,561 3.20%
    45% 52 $16,650,000 $320,192 $4,727 3.12%
    46% 36 $9,680,000 $268,889 $4,562 3.18%
    48% 35 $11,535,000 $329,571 $4,423 3.18%
    47% 25 $7,125,000 $285,000 $4,475 3.17%
    49% 20 $5,970,000 $298,500 $4,202 3.13%
    >60% 12 $2,940,000 $245,000 $3,922 3.32%

    Credit Union Mortgage Association lent most frequently to those with DTI ratios of 20-30%, with 901 originations. The next most common DTI ratio? 30-36%, with 558 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,401 $418,835,000 $298,954 $4,435 3.07%
    Not provided 869 $262,315,000 $301,858 $4,335 3.09%
    Black 385 $105,365,000 $273,675 $4,292 3.09%
    Asian 219 $94,055,000 $429,475 $4,672 2.88%
    American Indian 18 $5,420,000 $301,111 $4,312 3.14%
    Asian Indian 12 $5,390,000 $449,167 $4,484 3.10%
    Other Asian 6 $2,230,000 $371,667 $5,923 2.98%
    Native Hawaiian or Islander 4 $1,550,000 $387,500 $3,353 3.28%
    Filipino 2 $990,000 $495,000 $3,283 3.25%
    Other Pacific Islander 3 $755,000 $251,667 $4,676 3.00%
    Vietnamese 1 $405,000 $405,000 $3,961 3.53%

    Approval Rates

    Total approvals of all applications
    90.87%

    Credit Union Mortgage Association has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.69%

    Credit Union Mortgage Association has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,920 $897,310,000 $307,298

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 8 $960,000 $120,000
    Single Family (1-4 Units):Site-Built 2,912 $896,350,000 $307,813

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 198 $38,320,000 $193,535 $3,692 2.86%
    40-60% 522 $138,340,000 $265,019 $4,052 2.91%
    60-80% 1,327 $438,395,000 $330,365 $4,405 3.07%
    80-100% 836 $274,480,000 $328,325 $4,727 3.20%
    Over 100% 15 $4,065,000 $271,000 $8,866 3.02%
    Under 20% 13 $1,655,000 $127,308 $3,592 2.98%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Credit Plus Inc Conventional home mortgage Improper use of your report 1 50.0%
    Credit Plus Inc FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%