San Diego County Credit Union Mortgage Rates, Fees & Info
San Diego, CALEI: 549300E51HYVR7T2SU19
Tax ID: 95-1184903
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Mortgage Data
Review & Overview
San Diego County Credit Union is a smaller credit union specializing in Refi and Cash Out Refi loans. San Diego County Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Diego, Riverside, Los Angeles, San Francisco, and San Jose among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)San Diego County Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. San Diego County Credit Union 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.94% | 12/16/24 |
| 30 Year Conventional Purchase | 5.93% | 12/16/24 |
| 30 Year Conventional Refi | 5.91% | 12/16/24 |
| 30 Year Cash-out Refi | 5.87% | 12/16/24 |
| 15 Year Conventional Purchase | 5.79% | 12/16/24 |
| 15 Year Conventional Refi | 5.66% | 12/16/24 |
| 15 Year Cash-out Refi | 5.66% | 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. | ||
San Diego County 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
2,662Origination Dollar Volume (All Markets)
$936,210,000Top 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 |
|---|---|---|---|---|---|
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2,228 | $775,220,000 | $347,944 | $4,311 | 3.57% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 262 | $66,410,000 | $253,473 | $3,125 | 3.57% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 130 | $64,990,000 | $499,923 | $3,137 | 3.40% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 16 | $12,130,000 | $758,125 | $9,546 | 3.09% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $7,160,000 | $1,193,333 | $8,970 | 3.10% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $4,130,000 | $688,333 | $9,504 | 3.10% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,720,000 | $860,000 | $6,884 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $5,709 | 3.31% |
| NAPA, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $8,433 | 3.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $0 | 2.88% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,527 | 3.38% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,665 | 3.13% |
| Outside of Metro Areas | 2 | $380,000 | $190,000 | $3,609 | 2.81% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,768 | 3.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.49% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against SAN DIEGO COUNTY CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,096 | $877,590,000 | $418,698 | $4,189 | 3.36% |
| HELOC | 566 | $58,620,000 | $103,569 | n/a | 4.30% |
For 2020, San Diego County Credit Union's most frequently originated type of loan was Conventional, with 2,096 originations. Their 2nd most popular type was HELOC, with 566 originations.
Loan Reason
For 2020, San Diego County Credit Union's most frequently cited loan purpose was Refi, with 950 originations. The 2nd most popular reason was Cash Out Refi, with 895 originations.
Loan Duration/Length
For 2020, San Diego County Credit Union's most frequently cited loan duration was 30 Year, with 2,024 originations. The 2nd most popular length was 15 Year, with 374 originations.
Origination Fees/Closing Costs
San Diego County Credit Union's average total fees were $4,457, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,001 originations.
Interest Rates
During 2020, San Diego County Credit Union's average interest rate for loans was 3.54%, while their most frequently originated rate bucket for loans was 3-4%, with 1,260 originations.
Loan Sizing
2020 saw San Diego County Credit Union place emphasis on $200k-400k loans with 853 originations, totaling $248,365,000 in origination value.
Applicant Income
San Diego County Credit Union lent most frequently to those with incomes in the $100k-150k range, with 748 originations. The second most popular income band? $150k-250k, with 731 originations.
Applicant Debt to Income Ratio
San Diego County Credit Union lent most frequently to those with DTI ratios of 20-30%, with 666 originations. The next most common DTI ratio? 30-36%, with 551 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications77.10%
San Diego County Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination53.31%
San Diego County Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,662 | $936,210,000 | $351,694 |