Achieva Credit Union Mortgage Rates, Fees & Info

Dunedin, FL

LEI: 549300GFM3T3SN2KS138

Tax ID: 59-0729366

5 stars - Updated: 5/25/25 - out of 5 stars, based on 33 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Achieva Credit Union is a smaller credit union specializing in Home Improvement, Other, and Home Purchase loans. Achieva Credit Union 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: Tampa, North Port, Punta Gorda, Cape Coral, and Naples among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Achieva Credit Union 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. Achieva Credit Union 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.63% 5/25/25
    30 Year Conventional Refi 6.44% 5/25/25
    30 Year Cash-out Refi 6.63% 5/25/25
    30 Year FHA Purchase 7.11% 5/25/25
    30 Year VA Purchase 6.42% 5/25/25
    15 Year Conventional Purchase 6.73% 5/25/25
    15 Year Conventional Refi 6.99% 5/25/25
    15 Year Cash-out Refi 6.99% 5/25/25
    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.

    Achieva Credit Union Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Achieva Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,094

    Origination Dollar Volume (All Markets)

    $154,310,000

    Awards

    ACHIEVA CREDIT UNION 30 Year Conventional Loans gold ACHIEVA CREDIT UNION 30 Year Conventional Loans gold ACHIEVA CREDIT UNION 30 Year Conventional Loans bronze ACHIEVA CREDIT UNION 30 Year Conventional Loans bronze
    Show all (4) awards

    Relative Rate

    Achieva Credit Union's average 30 year fixed mortgage rate was 6.51%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.04%.

    Relative Fees (Closing Costs)

    Achieva Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $5,179.

    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
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 645 $85,365,000 $132,349 $3,193 8.46%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 259 $36,515,000 $140,985 $3,387 8.31%
    PUNTA GORDA, FL (FHA|USDA|VA) 74 $12,100,000 $163,514 $4,784 8.33%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 62 $9,070,000 $146,290 $3,596 8.55%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $1,905,000 $272,143 $3,661 7.77%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,835,000 $611,667 $6,693 6.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $1,440,000 $180,000 $5,410 8.36%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 10 $1,310,000 $131,000 $4,507 8.49%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $985,000 $197,000 $3,932 7.38%
    TALLAHASSEE, FL (FHA|USDA|VA) 4 $810,000 $202,500 $4,210 6.84%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $700,000 $350,000 $4,209 6.25%
    OCALA, FL (FHA|USDA|VA) 2 $600,000 $300,000 $12,837 7.31%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $495,000 $165,000 $3,553 7.17%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $280,000 $140,000 $3,068 6.00%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,154 7.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,247 6.88%
    NEW BERN, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,292 6.38%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,816 6.75%
    Arcadia, FL (FHA|USDA|VA) 1 $85,000 $85,000 $839 7.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $75,000 $75,000 $626 9.00%
    Outside of Metro Areas 1 $55,000 $55,000 $2,773 8.75%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.50%
    Achieva Credit Union's top markets include Tampa, North Port, Punta Gorda, Cape Coral, and Naples among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ACHIEVA CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 96
    SAN ANTONIO CITIZENS
    Similarity Rank: 156
    NEAL COMMUNITIES FUNDING, LLC
    Similarity Rank: 532
    SPACE COAST Credit Union
    Similarity Rank: 621
    First Home Bank
    Similarity Rank: 784
    GLENDENNING MORTGAGE CORPORATION
    Similarity Rank: 1012
    Busey Bank
    Similarity Rank: 1170
    THE MORTGAGE WAREHOUSE,LLC
    Similarity Rank: 1188
    USF Federal Credit Union
    Similarity Rank: 1190
    Suncoast Credit Union
    Similarity Rank: 1296

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 791 $79,755,000 $100,828 n/a 8.88%
    Conventional 297 $72,785,000 $245,067 $3,403 7.10%
    FHA 5 $1,415,000 $283,000 $10,366 6.43%
    VA 1 $355,000 $355,000 $6,288 6.38%

    For 2024, Achieva Credit Union's most frequently originated type of loan was HELOC, with 791 originations. Their 2nd most popular type was Conventional, with 297 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 462 $45,560,000 $98,615 $1,349 8.61%
    Other 436 $45,350,000 $104,014 $1,577 8.89%
    Home Purchase 133 $50,345,000 $378,534 $5,426 6.58%
    Cash Out Refi 48 $9,350,000 $194,792 $2,938 7.17%
    Refi 15 $3,705,000 $247,000 $3,551 6.73%

    For 2024, Achieva Credit Union's most frequently cited loan purpose was Home Improvement, with 462 originations. The 2nd most popular reason was Other, with 436 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 800 $80,210,000 $100,263 $739 8.86%
    30 Year 159 $55,365,000 $348,208 $5,179 6.51%
    15 Year 105 $15,705,000 $149,571 $1,895 7.71%
    20 Year 26 $2,890,000 $111,154 $1,371 7.95%
    5 Year 3 $95,000 $31,667 $590 7.08%
    Other 1 $45,000 $45,000 $0 12.88%

    For 2024, Achieva Credit Union's most frequently cited loan duration was 10 Year, with 800 originations. The 2nd most popular length was 30 Year, with 159 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 164 $49,100,000 $299,390
    $<1k 117 $10,695,000 $91,410
    $2k-3k 19 $12,725,000 $669,737
    $4k-5k 2 $760,000 $380,000

    Achieva Credit Union's average total fees were $5,179, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 164 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 718 $71,570,000 $99,680
    7-8% 206 $25,370,000 $123,155
    6-7% 151 $46,155,000 $305,662
    5-6% 19 $11,215,000 $590,263

    During 2024, Achieva Credit Union's average interest rate for loans was 6.51%, while their most frequently originated rate bucket for loans was Over 8%, with 718 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 591 $33,815,000 $57,217 $1,128 8.80%
    $100k-200k 293 $38,395,000 $131,041 $2,908 8.30%
    $200k-400k 146 $39,810,000 $272,671 $4,838 7.43%
    $400k-600k 40 $18,660,000 $466,500 $6,160 7.16%
    $600k-1MM 19 $14,805,000 $779,211 $7,316 6.96%
    $1MM+ 5 $8,825,000 $1,765,000 $12,428 6.45%

    2024 saw Achieva Credit Union place emphasis on $100,000 or less loans with 591 originations, totaling $33,815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 312 $38,620,000 $123,782 $3,388 8.40%
    $75k-100k 228 $23,160,000 $101,579 $3,312 8.61%
    $150k-250k 219 $39,425,000 $180,023 $3,620 8.21%
    $50k-75k 186 $13,870,000 $74,570 $2,298 8.48%
    $250k+ 76 $33,750,000 $444,079 $6,764 7.96%
    $50k or less 72 $4,210,000 $58,472 $2,870 8.31%

    Achieva Credit Union lent most frequently to those with incomes in the $100k-150k range, with 312 originations. The second most popular income band? $75k-100k, with 228 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 177 $28,075,000 $158,616 $3,778 8.21%
    20-30% 151 $20,835,000 $137,980 $3,515 8.07%
    50-60% 106 $11,580,000 $109,245 $6,772 8.98%
    42% 61 $9,485,000 $155,492 $2,663 7.93%
    39% 59 $9,085,000 $153,983 $3,743 8.11%
    45% 55 $7,805,000 $141,909 $3,502 8.60%
    43% 49 $5,355,000 $109,286 $3,372 8.59%
    44% 48 $6,140,000 $127,917 $3,122 8.82%
    47% 44 $10,400,000 $236,364 $7,130 8.88%
    38% 43 $5,635,000 $131,047 $2,847 8.46%
    40% 43 $7,945,000 $184,767 $3,845 7.91%
    41% 43 $5,615,000 $130,581 $2,456 8.17%
    <20% 39 $4,725,000 $121,154 $3,863 7.88%
    46% 39 $3,995,000 $102,436 $3,901 9.01%
    37% 37 $5,655,000 $152,838 $2,980 8.24%
    49% 34 $2,860,000 $84,118 $6,030 8.78%
    36% 34 $3,750,000 $110,294 $3,517 8.33%
    48% 23 $3,475,000 $151,087 $11,176 8.61%
    >60% 8 $620,000 $77,500 $0 8.91%

    Achieva Credit Union lent most frequently to those with DTI ratios of 30-36%, with 177 originations. The next most common DTI ratio? 20-30%, with 151 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 836 $109,790,000 $131,328 $3,474 8.40%
    Not provided 181 $33,025,000 $182,459 $3,941 8.25%
    Black 56 $6,600,000 $117,857 $2,907 8.55%
    Asian 9 $1,955,000 $217,222 $2,741 7.81%
    Not applicable 1 $1,275,000 $1,275,000 $0 7.13%
    American Indian 4 $850,000 $212,500 $2,325 7.78%
    Asian Indian 2 $400,000 $200,000 $0 9.38%
    Other Pacific Islander 2 $210,000 $105,000 $0 8.38%
    Native Hawaiian or Islander 2 $110,000 $55,000 $0 11.06%
    Other Asian 1 $95,000 $95,000 $0 8.50%

    Approval Rates

    Total approvals of all applications
    76.32%

    Achieva Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.73%

    Achieva Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 791 $79,755,000 $100,828
    NA 303 $74,555,000 $246,056

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,094 $154,310,000 $141,051

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 344 $42,410,000 $123,285 $2,276 8.57%
    40-60% 92 $23,190,000 $252,065 $4,381 7.89%
    60-80% 79 $30,505,000 $386,139 $5,313 6.99%
    80-100% 62 $24,800,000 $400,000 $5,822 6.54%
    Over 100% 1 $185,000 $185,000 $5,369 6.63%
    Under 20% 516 $33,220,000 $64,380 $953 8.78%