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 and Home Purchase loans. American United Family Of Credit Un has a high proportion of conventional loans. Their top markets by origination volume include: Salt Lake City, Ogden, Riverside, Provo, and Heber among others. We have data for 14 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 an above average pick rate when compared to similar lenders. American United Family Of Credit Un is typically an average 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) | 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
84Origination Dollar Volume (All Markets)
$20,410,000Top 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) | 47 | $12,065,000 | $256,702 | $5,380 | 3.47% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $2,180,000 | $272,500 | $5,451 | 3.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $5,363 | 3.98% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $5,955 | 3.80% |
| Heber, UT (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,781 | 4.46% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,411 | 4.26% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,832 | 2.90% |
| Outside of Metro Areas | 1 | $345,000 | $345,000 | $6,715 | 2.92% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,146 | 2.97% |
| Price, UT (FHA|USDA|VA) | 5 | $265,000 | $53,000 | $2,037 | 2.80% |
| CASPER, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,537 | 2.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,096 | 3.32% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.49% |
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 | 84 | $20,410,000 | $242,976 | $5,180 | 3.54% |
For 2021, American United Family Of Credit Un's most frequently originated type of loan was Conventional, with 84 originations.
Loan Reason
For 2021, American United Family Of Credit Un's most frequently cited loan purpose was Cash Out Refi, with 42 originations. The 2nd most popular reason was Home Purchase, with 15 originations.
Loan Duration/Length
For 2021, American United Family Of Credit Un's most frequently cited loan duration was 30 Year, with 46 originations. The 2nd most popular length was 20 Year, with 18 originations.
Origination Fees/Closing Costs
American United Family Of Credit Un's average total fees were $5,784, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 20 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 43 | $10,845,000 | $252,209 |
| 2.5-3% | 18 | $5,060,000 | $281,111 |
| 4-5% | 15 | $2,375,000 | $158,333 |
| <2.5% | 6 | $740,000 | $123,333 |
| 5-6% | 2 | $1,390,000 | $695,000 |
During 2021, American United Family Of Credit Un's average interest rate for loans was 3.39%, while their most frequently originated rate bucket for loans was 3-4%, with 43 originations.
Loan Sizing
2021 saw American United Family Of Credit Un place emphasis on $200k-400k loans with 35 originations, totaling $10,055,000 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 18 originations.
Applicant Debt to Income Ratio
American United Family Of Credit Un lent most frequently to those with DTI ratios of 20-30%, with 28 originations. The next most common DTI ratio? <20%, with 13 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.70%
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 origination95.24%
American United Family Of Credit Un has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 84 | $20,410,000 | $242,976 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 33.3% |
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 33.3% |
| AMERICA FIRST FEDERAL CREDIT UNION | Other type of mortgage | Struggling to pay mortgage | 1 | 33.3% |