United Nations Federal Credit Union Mortgage Rates, Fees & Info

New York, NY

LEI: 549300HCNXMTNGIMAR91

Tax ID: 13-1628594

5 stars - Updated: 4/14/24 - out of 5 stars, based on 37 reviews

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

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Mortgage Data

Review & Overview

United Nations Federal Credit Union is a smaller credit union specializing in Home Purchase loans. United Nations Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Washington, New York, Boston, Richmond, and Baltimore among others. We have data for 94 markets. (Some data included below & more in-depth data is available with an active subscription.)

United Nations Federal Credit Union 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. United Nations Federal Credit Union 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 relatively high 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 6.40% 4/14/24
30 Year Conventional Refi 6.29% 4/14/24
30 Year Cash-out Refi 6.28% 4/14/24
15 Year Conventional Purchase 5.44% 4/14/24
15 Year Conventional Refi 5.44% 4/14/24
15 Year Cash-out Refi 5.44% 4/14/24
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.

United Nations Federal Credit Union Mortgage Calculator






Your Estimates

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

This is not an official calculator from United Nations Federal 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

1,374

Origination Dollar Volume (All Markets)

$743,060,000
Show all (13) awards

Relative Rate

United Nations Federal Credit Union's average 30 year fixed mortgage rate was 5.67%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.81%.

Relative Fees (Closing Costs)

United Nations Federal 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 $9,089.

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
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 484 $295,680,000 $610,909 $4,895 5.67%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 449 $249,185,000 $554,978 $5,140 5.46%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 44 $35,770,000 $812,955 $5,363 5.75%
RICHMOND, VA (FHA|USDA|VA) 59 $21,085,000 $357,373 $5,158 5.87%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 22 $9,680,000 $440,000 $4,878 6.01%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 17 $9,515,000 $559,706 $6,040 5.82%
RALEIGH-CARY, NC (FHA|USDA|VA) 23 $8,455,000 $367,609 $4,143 6.27%
Outside of Metro Areas 18 $7,420,000 $412,222 $5,898 6.44%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $6,850,000 $428,125 $5,803 5.52%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $5,950,000 $495,833 $5,702 6.49%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $5,840,000 $486,667 $5,719 6.44%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $5,450,000 $545,000 $7,245 5.87%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $4,585,000 $352,692 $5,246 5.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $4,310,000 $359,167 $3,951 6.56%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $3,710,000 $463,750 $8,533 7.09%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $3,580,000 $298,333 $4,040 6.02%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $3,520,000 $586,667 $4,567 5.48%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $3,205,000 $457,857 $4,804 5.46%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $3,065,000 $613,000 $6,002 5.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $2,680,000 $335,000 $7,511 6.34%
TALLAHASSEE, FL (FHA|USDA|VA) 8 $2,580,000 $322,500 $5,219 5.50%
WINCHESTER, VA-WV (FHA|USDA|VA) 8 $2,480,000 $310,000 $4,546 6.17%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $2,350,000 $587,500 $5,259 6.81%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $2,215,000 $738,333 $7,714 5.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $2,160,000 $360,000 $4,889 6.08%
Heber, UT (FHA|USDA|VA) 2 $2,070,000 $1,035,000 $4,469 6.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,040,000 $510,000 $4,962 5.31%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $2,000,000 $500,000 $5,881 5.81%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,855,000 $618,333 $6,739 6.63%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,775,000 $591,667 $8,381 7.21%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,690,000 $422,500 $5,028 4.81%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,665,000 $333,000 $3,701 6.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,500,000 $750,000 $4,102 6.63%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $1,265,000 $421,667 $3,384 5.08%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,265,000 $421,667 $9,240 6.42%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $11,390 6.08%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $1,050,000 $525,000 $3,531 5.88%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $955,000 $318,333 $4,425 5.08%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $925,000 $925,000 $7,394 5.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $865,000 $865,000 $6,128 4.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $840,000 $420,000 $8,079 5.56%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $800,000 $400,000 $3,645 5.56%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $770,000 $385,000 $3,181 5.88%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $710,000 $355,000 $6,290 5.81%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $680,000 $340,000 $4,813 5.31%
LOUISVILLE, KY (FHA|USDA|VA) 1 $655,000 $655,000 $4,482 4.50%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $635,000 $635,000 $0 7.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $620,000 $310,000 $4,330 6.94%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $600,000 $300,000 $5,458 6.56%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $575,000 $191,667 $4,337 5.38%
Torrington, CT (FHA|USDA|VA) 1 $515,000 $515,000 $7,437 4.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $485,000 $485,000 $3,539 5.75%
HARRISONBURG, VA (FHA|USDA|VA) 2 $450,000 $225,000 $2,224 5.56%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $445,000 $445,000 $4,089 6.75%
READING, PA (FHA|USDA|VA) 1 $425,000 $425,000 $5,254 7.75%
KINGSTON, NY (FHA|USDA|VA) 1 $415,000 $415,000 $5,606 6.50%
Alexander City, AL (FHA|USDA|VA) 1 $415,000 $415,000 $3,260 5.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $415,000 $415,000 $4,739 6.75%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $405,000 $405,000 $4,915 7.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $385,000 $385,000 $5,247 6.75%
COLUMBIA, SC (FHA|USDA|VA) 1 $385,000 $385,000 $8,212 5.63%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $365,000 $365,000 $3,313 5.25%
WICHITA, KS (FHA|USDA|VA) 1 $355,000 $355,000 $8,684 7.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $345,000 $345,000 $4,221 7.13%
SALEM, OR (FHA|USDA|VA) 1 $345,000 $345,000 $4,203 5.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $325,000 $325,000 $2,300 6.63%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $305,000 $305,000 $3,492 6.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $305,000 $305,000 $4,026 5.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 4.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $295,000 $295,000 $3,952 6.63%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $295,000 $295,000 $0 5.38%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $285,000 $285,000 $4,870 5.75%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.25%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $265,000 $265,000 $1,950 4.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,999 6.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $240,000 $120,000 $0 6.38%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $225,000 $225,000 $3,607 6.00%
Opelousas, LA (FHA|USDA|VA) 1 $225,000 $225,000 $3,276 5.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $225,000 $225,000 $2,875 6.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $215,000 $215,000 $3,520 7.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.13%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $205,000 $205,000 $3,099 6.38%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,601 6.25%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $175,000 $175,000 $2,950 6.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,320 6.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.75%
PITTSFIELD, MA (FHA|USDA|VA) 1 $145,000 $145,000 $3,434 5.50%
LYNCHBURG, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,463 7.38%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.38%
United Nations Federal Credit Union's top markets include Washington, New York, Boston, Richmond, and Baltimore among others.

Their top states include:
  • Virginia (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,373 $742,425,000 $540,732 $5,121 5.70%
    VA 1 $635,000 $635,000 $4,532 6.13%

    For 2023, United Nations Federal Credit Union's most frequently originated type of loan was Conventional, with 1,373 originations. Their 2nd most popular type was VA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,265 $691,065,000 $546,296 $5,173 5.71%
    Refi 50 $27,400,000 $548,000 $4,329 5.29%
    Cash Out Refi 40 $17,870,000 $446,750 $4,590 5.63%
    Other 10 $3,120,000 $312,000 $2,858 6.28%
    Home Improvement 9 $3,605,000 $400,556 $4,797 6.54%

    For 2023, United Nations Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 1,265 originations. The 2nd most popular reason was Refi, with 50 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,230 $699,280,000 $568,520 $5,179 5.67%
    15 Year 132 $41,300,000 $312,879 $4,356 5.87%
    20 Year 9 $2,125,000 $236,111 $3,272 7.46%
    Other 2 $240,000 $120,000 $2,982 6.31%
    5 Year 1 $115,000 $115,000 $1,963 8.63%

    For 2023, United Nations Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,230 originations. The 2nd most popular length was 15 Year, with 132 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 843 $516,225,000 $612,367
    $1k-2k 85 $34,245,000 $402,882
    $2k-3k 54 $28,980,000 $536,667
    $5k+ 39 $23,265,000 $596,538
    $3k-4k 26 $15,170,000 $583,462
    $4k-5k 21 $13,015,000 $619,762

    United Nations Federal Credit Union's average total fees were $5,179, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 843 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 576 $314,910,000 $546,719
    4-5% 361 $212,355,000 $588,241
    6-7% 336 $170,050,000 $506,101
    7-8% 95 $44,085,000 $464,053
    Over 8% 4 $570,000 $142,500
    3-4% 2 $1,090,000 $545,000

    During 2023, United Nations Federal Credit Union's average interest rate for loans was 5.67%, while their most frequently originated rate bucket for loans was 5-6%, with 576 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 443 $132,105,000 $298,205 $4,198 5.83%
    $400k-600k 359 $177,995,000 $495,808 $5,119 5.65%
    $600k-1MM 340 $259,990,000 $764,676 $5,766 5.55%
    $1MM+ 131 $158,905,000 $1,213,015 $6,444 5.53%
    $100k-200k 91 $13,245,000 $145,549 $3,111 6.02%
    $100,000 or less 10 $820,000 $82,000 $2,859 6.56%

    2023 saw United Nations Federal Credit Union place emphasis on $200k-400k loans with 443 originations, totaling $132,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 537 $273,125,000 $508,613 $5,004 5.61%
    $250k+ 458 $334,410,000 $730,153 $5,901 5.75%
    $100k-150k 265 $105,765,000 $399,113 $4,781 5.76%
    $75k-100k 58 $15,930,000 $274,655 $3,920 5.76%
    $50k-75k 42 $9,540,000 $227,143 $3,288 5.94%
    $50k or less 7 $1,285,000 $183,571 $2,759 5.80%

    United Nations Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 537 originations. The second most popular income band? $250k+, with 458 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 307 $152,725,000 $497,476 $5,059 5.70%
    20-30% 283 $132,875,000 $469,523 $4,747 5.65%
    <20% 95 $41,975,000 $441,842 $4,737 5.52%
    42% 66 $38,470,000 $582,879 $5,078 5.57%
    43% 60 $37,280,000 $621,333 $5,301 5.69%
    41% 59 $36,355,000 $616,186 $5,384 5.88%
    45% 56 $39,470,000 $704,821 $5,342 5.65%
    39% 55 $32,125,000 $584,091 $5,207 5.83%
    38% 55 $32,575,000 $592,273 $5,319 5.81%
    40% 53 $30,475,000 $575,000 $5,199 5.73%
    44% 53 $33,965,000 $640,849 $5,457 5.63%
    37% 52 $28,960,000 $556,923 $5,323 5.71%
    36% 43 $25,045,000 $582,442 $5,442 5.77%
    46% 35 $20,545,000 $587,000 $5,324 5.93%
    47% 33 $22,595,000 $684,697 $5,609 5.75%
    48% 30 $16,820,000 $560,667 $5,347 5.84%
    49% 30 $16,520,000 $550,667 $5,424 6.09%
    50-60% 7 $3,425,000 $489,286 $4,568 5.61%

    United Nations Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 307 originations. The next most common DTI ratio? 20-30%, with 283 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 501 $272,745,000 $544,401 $5,134 5.72%
    White 422 $228,140,000 $540,616 $5,130 5.69%
    Not provided 219 $121,035,000 $552,671 $5,059 5.70%
    Black 90 $44,530,000 $494,778 $5,080 5.61%
    Asian Indian 80 $41,150,000 $514,375 $5,237 5.78%
    Chinese 33 $19,995,000 $605,909 $5,550 5.75%
    Other Asian 19 $10,515,000 $553,421 $4,644 5.59%
    Filipino 5 $2,995,000 $599,000 $4,629 5.93%
    American Indian 2 $880,000 $440,000 $4,277 5.31%
    Korean 1 $525,000 $525,000 $6,086 5.13%
    Native Hawaiian or Islander 1 $285,000 $285,000 $3,934 7.25%
    Vietnamese 1 $265,000 $265,000 $3,084 4.75%

    Approval Rates

    Total approvals of all applications
    90.17%

    United Nations Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    71.11%

    United Nations Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,374 $743,060,000 $540,801

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,374 $743,060,000 $540,801

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 46 $17,360,000 $377,391 $4,341 5.71%
    40-60% 139 $66,995,000 $481,978 $4,540 5.45%
    60-80% 681 $372,175,000 $546,512 $5,142 5.74%
    80-100% 496 $283,510,000 $571,593 $5,352 5.71%
    Under 20% 12 $3,020,000 $251,667 $3,736 6.39%