American United Family Of Credit Un Mortgage Rates, Fees & Info
West Jordan, UTLEI: 549300FJHIE3T5GJRI39
Tax ID: 87-0219133
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Mortgage Data
Review & Overview
American United Family Of Credit Un is a smaller mortgage company specializing in Other loans. American United Family Of Credit Un has a high proportion of conventional loans. Their top markets by origination volume include: Salt Lake City, Provo, Ogden, St. George, and Cedar City among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)American United Family Of Credit Un has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have relatively high 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) | 8.38% | 11/17/24 |
| 30 Year Conventional Purchase | 6.69% | 11/17/24 |
| 30 Year Conventional Refi | 6.43% | 11/17/24 |
| 30 Year Cash-out Refi | 7.20% | 11/17/24 |
| 15 Year Conventional Refi | 6.03% | 11/17/24 |
| 15 Year Cash-out Refi | 6.03% | 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. | ||
American United Family Of Credit Un Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
144Origination Dollar Volume (All Markets)
$20,470,000Relative Rate
American United Family Of Credit Un's average 30 year fixed mortgage rate was
7.37%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.89%.
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 |
|---|---|---|---|---|---|
| SALT LAKE CITY, UT (FHA|USDA|VA) | 106 | $13,080,000 | $123,396 | $4,171 | 8.35% |
| PROVO-OREM, UT (FHA|USDA|VA) | 9 | $1,955,000 | $217,222 | $3,205 | 8.07% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $0 | 8.29% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $0 | 8.13% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.50% |
| Heber, UT (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 8.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 8.50% |
| Price, UT (FHA|USDA|VA) | 3 | $175,000 | $58,333 | $0 | 8.62% |
| Helena, MT (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 8.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 9.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| Outside of Metro Areas | 1 | $95,000 | $95,000 | $0 | 12.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 9.00% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.24% |
Similar Lenders
We use machine learning to identify the top lenders compared against AMERICAN UNITED FAMILY OF CREDIT UN 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 |
|---|---|---|---|---|---|
| HELOC | 104 | $13,760,000 | $132,308 | n/a | 8.72% |
| Conventional | 40 | $6,710,000 | $167,750 | $3,849 | 7.54% |
For 2023, American United Family Of Credit Un's most frequently originated type of loan was HELOC, with 104 originations. Their 2nd most popular type was Conventional, with 40 originations.
Loan Reason
For 2023, American United Family Of Credit Un's most frequently cited loan purpose was Other, with 91 originations. The 2nd most popular reason was Cash Out Refi, with 34 originations.
Loan Duration/Length
For 2023, American United Family Of Credit Un's most frequently cited loan duration was 20 Year, with 110 originations. The 2nd most popular length was 15 Year, with 17 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 2 | $300,000 | $150,000 |
| $<1k | 1 | $95,000 | $95,000 |
American United Family Of Credit Un's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 98 | $13,240,000 | $135,102 |
| 7-8% | 28 | $3,280,000 | $117,143 |
| 6-7% | 12 | $3,550,000 | $295,833 |
| 5-6% | 5 | $305,000 | $61,000 |
| 4-5% | 1 | $95,000 | $95,000 |
During 2023, American United Family Of Credit Un's average interest rate for loans was 7.37%, while their most frequently originated rate bucket for loans was Over 8%, with 98 originations.
Loan Sizing
2023 saw American United Family Of Credit Un place emphasis on $100,000 or less loans with 74 originations, totaling $4,030,000 in origination value.
Applicant Income
American United Family Of Credit Un lent most frequently to those with incomes in the $100k-150k range, with 37 originations. The second most popular income band? $150k-250k, with 33 originations.
Applicant Debt to Income Ratio
American United Family Of Credit Un lent most frequently to those with DTI ratios of 30-36%, with 35 originations. The next most common DTI ratio? 20-30%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications61.90%
American United Family Of Credit Un has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination82.64%
American United Family Of Credit Un has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 144 | $20,470,000 | $142,153 |