United Nations Federal Credit Union Mortgage Rates, Fees & Info
New York, NYLEI: 549300HCNXMTNGIMAR91
Tax ID: 13-1628594
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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: New York, Washington, Boston, Raleigh, and Atlanta among others. We have data for 100 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 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 | 6.26% | 4/5/25 |
| 30 Year Conventional Refi | 6.20% | 4/5/25 |
| 30 Year Cash-out Refi | 6.23% | 4/5/25 |
| 15 Year Conventional Purchase | 5.13% | 4/5/25 |
| 15 Year Conventional Refi | 5.12% | 4/5/25 |
| 15 Year Cash-out Refi | 5.12% | 4/5/25 |
| 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. | ||
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
1,271Origination Dollar Volume (All Markets)
$738,135,000Awards
United Nations Federal Credit Union - 2024
United Nations Federal Credit Union is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
Work for United Nations Federal Credit Union?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
United Nations Federal Credit Union's average 30 year fixed mortgage rate was
6.01%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.54%.
Relative Fees (Closing Costs)
United Nations Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,541.
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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 427 | $253,345,000 | $593,314 | $5,275 | 5.89% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 343 | $224,665,000 | $655,000 | $5,064 | 6.01% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 67 | $56,325,000 | $840,672 | $6,036 | 5.98% |
| Outside of Metro Areas | 32 | $15,800,000 | $493,750 | $7,118 | 5.92% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 29 | $13,405,000 | $462,241 | $4,120 | 6.37% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 15 | $10,625,000 | $708,333 | $6,429 | 5.85% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 19 | $9,435,000 | $496,579 | $6,397 | 6.11% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 14 | $9,080,000 | $648,571 | $6,634 | 6.15% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 22 | $8,750,000 | $397,727 | $4,730 | 6.32% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $8,740,000 | $485,556 | $6,451 | 5.99% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 20 | $8,200,000 | $410,000 | $4,259 | 6.28% |
| RICHMOND, VA (FHA|USDA|VA) | 18 | $6,620,000 | $367,778 | $3,960 | 6.37% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $5,610,000 | $935,000 | $5,609 | 6.13% |
| Heber, UT (FHA|USDA|VA) | 9 | $5,565,000 | $618,333 | $4,265 | 6.33% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $5,415,000 | $492,273 | $6,436 | 6.65% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $4,905,000 | $981,000 | $7,017 | 5.93% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $4,590,000 | $765,000 | $4,981 | 6.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $4,430,000 | $553,750 | $9,921 | 6.17% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 9 | $3,355,000 | $372,778 | $6,481 | 6.42% |
| RENO, NV (FHA|USDA|VA) | 6 | $3,250,000 | $541,667 | $7,479 | 6.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $3,105,000 | $345,000 | $7,361 | 6.56% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $2,945,000 | $589,000 | $8,257 | 6.05% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $2,930,000 | $732,500 | $4,387 | 6.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 14 | $2,830,000 | $202,143 | $5,293 | 6.95% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $2,670,000 | $667,500 | $5,858 | 6.34% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $2,535,000 | $362,143 | $9,252 | 6.57% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 11 | $2,505,000 | $227,727 | $0 | 6.23% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $2,450,000 | $408,333 | $5,178 | 6.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $2,240,000 | $560,000 | $6,958 | 6.28% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $2,200,000 | $1,100,000 | $6,099 | 6.81% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $2,150,000 | $537,500 | $6,294 | 6.63% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,950,000 | $487,500 | $3,982 | 5.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $5,206 | 6.92% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $5,858 | 6.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 7.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 6.75% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $8,163 | 5.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $8,762 | 6.83% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $12,282 | 5.94% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $4,760 | 6.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $3,222 | 6.78% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $4,388 | 5.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $5,208 | 6.71% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $0 | 6.47% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $5,942 | 6.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $6,821 | 5.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $0 | 6.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,296 | 5.79% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $0 | 6.46% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $8,562 | 6.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,842 | 5.94% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,937 | 5.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $0 | 6.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $4,742 | 6.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $12,074 | 6.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $3,910 | 6.25% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,085 | 5.79% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $13,170 | 6.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,677 | 6.13% |
| BEND, OR (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $6,128 | 6.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,533 | 6.13% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,095 | 6.06% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $0 | 6.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,347 | 5.58% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,204 | 6.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 5.94% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $10,737 | 6.13% |
| Barre, VT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,240 | 5.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,793 | 6.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,668 | 7.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,485 | 6.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,599 | 7.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,237 | 6.00% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,673 | 5.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,530 | 6.38% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,675 | 5.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,435 | 6.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,095 | 6.56% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 6.63% |
| Adrian, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,752 | 6.38% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,444 | 5.38% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,913 | 6.50% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.13% |
| Hudson, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,778 | 5.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,809 | 6.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,103 | 5.38% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,940 | 6.88% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,630 | 6.63% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,708 | 6.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,352 | 6.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.38% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,518 | 5.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.88% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,173 | 5.00% |
| Cortland, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,724 | 5.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,297 | 6.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against United Nations Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 42
Similarity Rank: 55
Similarity Rank: 82
Similarity Rank: 84
Similarity Rank: 90
Similarity Rank: 96
Similarity Rank: 100
Similarity Rank: 117
Similarity Rank: 126
Similarity Rank: 154
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,271 | $738,135,000 | $580,751 | $5,451 | 6.05% |
For 2024, United Nations Federal Credit Union's most frequently originated type of loan was Conventional, with 1,271 originations.
Loan Reason
For 2024, United Nations Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 1,072 originations. The 2nd most popular reason was Refi, with 142 originations.
Loan Duration/Length
For 2024, United Nations Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,123 originations. The 2nd most popular length was 15 Year, with 137 originations.
Origination Fees/Closing Costs
United Nations Federal Credit Union's average total fees were $5,541, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 768 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 602 | $396,070,000 | $657,924 |
| 6-7% | 572 | $285,650,000 | $499,388 |
| 4-5% | 52 | $36,860,000 | $708,846 |
| 7-8% | 44 | $19,450,000 | $442,045 |
| Over 8% | 1 | $105,000 | $105,000 |
During 2024, United Nations Federal Credit Union's average interest rate for loans was 6.01%, while their most frequently originated rate bucket for loans was 5-6%, with 602 originations.
Loan Sizing
2024 saw United Nations Federal Credit Union place emphasis on $200k-400k loans with 392 originations, totaling $115,940,000 in origination value.
Applicant Income
United Nations Federal Credit Union lent most frequently to those with incomes in the $250k+ range, with 544 originations. The second most popular income band? $150k-250k, with 476 originations.
Applicant Debt to Income Ratio
United Nations Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 281 originations. The next most common DTI ratio? 20-30%, with 257 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.80%
United Nations Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination61.68%
United Nations Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,271 | $738,135,000 | $580,751 |