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 Other loans. American United Family Of Credit Un has an average proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Salt Lake City, Provo, Riverside, Ogden, and Heber 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 an 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% | 11/22/24 |
| 30 Year Conventional Purchase | 6.69% | 11/22/24 |
| 30 Year Conventional Refi | 6.43% | 11/22/24 |
| 30 Year Cash-out Refi | 7.20% | 11/22/24 |
| 15 Year Conventional Refi | 6.03% | 11/22/24 |
| 15 Year Cash-out Refi | 6.03% | 11/22/24 |
| 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
215Origination Dollar Volume (All Markets)
$27,905,000Top 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) | 155 | $19,155,000 | $123,581 | $3,241 | 5.37% |
| PROVO-OREM, UT (FHA|USDA|VA) | 11 | $1,835,000 | $166,818 | $6,540 | 5.91% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 12 | $1,680,000 | $140,000 | $5,906 | 6.19% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 12 | $1,070,000 | $89,167 | $0 | 4.71% |
| Outside of Metro Areas | 5 | $895,000 | $179,000 | $1,507 | 5.69% |
| Heber, UT (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,518 | 4.27% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $0 | 5.17% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 5.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $2,759 | 6.20% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.75% |
| Price, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,737 | 3.82% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.49% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.75% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.00% |
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
For 2022, American United Family Of Credit Un's most frequently originated type of loan was HELOC, with 157 originations. Their 2nd most popular type was Conventional, with 55 originations.
Loan Reason
For 2022, American United Family Of Credit Un's most frequently cited loan purpose was Cash Out Refi, with 103 originations. The 2nd most popular reason was Other, with 73 originations.
Loan Duration/Length
For 2022, American United Family Of Credit Un's most frequently cited loan duration was 20 Year, with 169 originations. The 2nd most popular length was 15 Year, with 19 originations.
Origination Fees/Closing Costs
American United Family Of Credit Un's average total fees were $5,712, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 4 originations.
Interest Rates
During 2022, American United Family Of Credit Un's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 3-4%, with 58 originations.
Loan Sizing
2022 saw American United Family Of Credit Un place emphasis on $100,000 or less loans with 108 originations, totaling $5,900,000 in origination value.
Applicant Income
American United Family Of Credit Un lent most frequently to those with incomes in the $100k-150k range, with 68 originations. The second most popular income band? $150k-250k, with 46 originations.
Applicant Debt to Income Ratio
American United Family Of Credit Un lent most frequently to those with DTI ratios of 20-30%, with 44 originations. The next most common DTI ratio? 30-36%, with 39 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.90%
American United Family Of Credit Un has a below average approval rate.
Pick Rate
Approvals leading to origination97.21%
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 | 215 | $27,905,000 | $129,791 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN ADVISORS GROUP | FHA mortgage | Closing on a mortgage | 1 | 50.0% |
| AMERICAN ADVISORS GROUP | Reverse mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |