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 an average proportion of conventional loans. Their top markets by origination volume include: Salt Lake City, Provo, Ogden, Riverside, and Heber among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)American United Family Of Credit Un 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. American United Family Of Credit Un 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.51% | 4/5/25 |
| 30 Year Conventional Refi | 6.30% | 4/5/25 |
| 30 Year Cash-out Refi | 6.07% | 4/5/25 |
| 30 Year FHA Purchase | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 6.00% | 4/5/25 |
| 15 Year Conventional Refi | 8.21% | 4/5/25 |
| 15 Year Cash-out Refi | 8.21% | 4/5/25 |
| 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
154Origination Dollar Volume (All Markets)
$24,430,000Relative Rate
American United Family Of Credit Un's average 30 year fixed mortgage rate was
6.38%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.18%.
Relative Fees (Closing Costs)
American United Family Of Credit Un's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,812.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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) | 105 | $16,055,000 | $152,905 | $4,941 | 8.40% |
| PROVO-OREM, UT (FHA|USDA|VA) | 13 | $2,405,000 | $185,000 | $0 | 9.04% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $0 | 8.40% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $1,140,000 | $142,500 | $0 | 8.34% |
| Heber, UT (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $2,039 | 7.50% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.50% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 8.00% |
| Price, UT (FHA|USDA|VA) | 5 | $375,000 | $75,000 | $4,601 | 8.45% |
| Outside of Metro Areas | 4 | $250,000 | $62,500 | $2,599 | 8.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.50% |
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.
Similarity Rank: 150
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 124 | $18,590,000 | $149,919 | n/a | 8.77% |
| Conventional | 30 | $5,840,000 | $194,667 | $4,542 | 7.05% |
For 2024, American United Family Of Credit Un's most frequently originated type of loan was HELOC, with 124 originations. Their 2nd most popular type was Conventional, with 30 originations.
Loan Reason
For 2024, American United Family Of Credit Un's most frequently cited loan purpose was Other, with 118 originations. The 2nd most popular reason was Cash Out Refi, with 22 originations.
Loan Duration/Length
For 2024, American United Family Of Credit Un's most frequently cited loan duration was 20 Year, with 124 originations. The 2nd most popular length was 10 Year, with 10 originations.
Origination Fees/Closing Costs
American United Family Of Credit Un's average total fees were $6,812, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 8 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 103 | $14,055,000 | $136,456 |
| 7-8% | 29 | $4,805,000 | $165,690 |
| 6-7% | 13 | $4,035,000 | $310,385 |
| 5-6% | 5 | $795,000 | $159,000 |
| 4-5% | 1 | $165,000 | $165,000 |
During 2024, American United Family Of Credit Un's average interest rate for loans was 6.38%, while their most frequently originated rate bucket for loans was Over 8%, with 103 originations.
Loan Sizing
2024 saw American United Family Of Credit Un place emphasis on $100,000 or less loans with 80 originations, totaling $4,530,000 in origination value.
Applicant Income
American United Family Of Credit Un lent most frequently to those with incomes in the $150k-250k range, with 43 originations. The second most popular income band? $100k-150k, with 39 originations.
Applicant Debt to Income Ratio
American United Family Of Credit Un lent most frequently to those with DTI ratios of 20-30%, with 37 originations. The next most common DTI ratio? 30-36%, with 36 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications72.79%
American United Family Of Credit Un has a below average approval rate.
Pick Rate
Approvals leading to origination70.78%
American United Family Of Credit Un has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 154 | $24,430,000 | $158,636 |