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 Cash Out Refi, Refi, and Home Purchase loans. American United Family Of Credit Un 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.) Their top markets by origination volume include: Salt Lake City, Ogden, Miami, Atlanta, and Pueblo among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)American United Family Of Credit Un 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.
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% | 11/21/24 |
| 30 Year Conventional Purchase | 6.69% | 11/21/24 |
| 30 Year Conventional Refi | 6.43% | 11/21/24 |
| 30 Year Cash-out Refi | 7.20% | 11/21/24 |
| 15 Year Conventional Refi | 6.03% | 11/21/24 |
| 15 Year Cash-out Refi | 6.03% | 11/21/24 |
| 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
69Origination Dollar Volume (All Markets)
$13,985,000Top 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 |
|---|---|---|---|---|---|
| SALT LAKE CITY, UT (FHA|USDA|VA) | 60 | $12,450,000 | $207,500 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $15,000 | $15,000 | $0 | 0.00% |
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 |
|---|---|---|---|---|---|
| Conventional | 60 | $11,950,000 | $199,167 | $0 | 0.00% |
| VA | 7 | $1,635,000 | $233,571 | $0 | 0.00% |
| FHA | 2 | $400,000 | $200,000 | $0 | 0.00% |
For 2019, American United Family Of Credit Un's most frequently originated type of loan was Conventional, with 60 originations. Their 2nd most popular type was VA, with 7 originations.
Loan Reason
For 2019, American United Family Of Credit Un's most frequently cited loan purpose was Cash Out Refi, with 34 originations. The 2nd most popular reason was Refi, with 17 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 69 | $13,985,000 | $202,681 | $0 | 0.00% |
For 2019, American United Family Of Credit Un's most frequently cited loan duration was Other, with 69 originations.
Loan Sizing
2019 saw American United Family Of Credit Un place emphasis on $200k-400k loans with 35 originations, totaling $9,575,000 in origination value.
Applicant Income
American United Family Of Credit Un lent most frequently to those with incomes in the $50k-75k range, with 21 originations. The second most popular income band? $100k-150k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 69 | $13,985,000 | $202,681 | $0 | 0.00% |
American United Family Of Credit Un lent most frequently to those with DTI ratios of Exempt%, with 69 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 66 | $13,120,000 | $198,788 | $0 | 0.00% |
| Asian | 2 | $540,000 | $270,000 | $0 | 0.00% |
| Not provided | 1 | $325,000 | $325,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications95.40%
American United Family Of Credit Un has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination81.16%
American United Family Of Credit Un has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 69 | $13,985,000 | $202,681 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 69 | $13,985,000 | $202,681 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 100.0% |