United Nations Federal Credit Union Mortgage Rates, Fees & Info
New York, NYLEI: 549300HCNXMTNGIMAR91
Tax ID: 13-1628594
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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: New York, Washington, Orlando, Kill Devil Hills, and Miami among others. We have data for 89 markets. (Some data included below & more in-depth data is available with an active subscription.)United Nations Federal 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.40% | 4/18/24 |
| 30 Year Conventional Refi | 6.29% | 4/18/24 |
| 30 Year Cash-out Refi | 6.28% | 4/18/24 |
| 15 Year Conventional Purchase | 5.44% | 4/18/24 |
| 15 Year Conventional Refi | 5.44% | 4/18/24 |
| 15 Year Cash-out Refi | 5.44% | 4/18/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,158Origination Dollar Volume (All Markets)
$542,020,000Awards
United Nations Federal Credit Union - 2018
United Nations Federal Credit Union is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 449 | $213,085,000 | $474,577 | $4,537 | 3.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 353 | $177,375,000 | $502,479 | $4,438 | 3.80% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 56 | $15,070,000 | $269,107 | $4,456 | 4.08% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 8 | $13,060,000 | $1,632,500 | $5,620 | 3.95% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 30 | $12,860,000 | $428,667 | $4,519 | 3.79% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 17 | $8,805,000 | $517,941 | $5,317 | 3.99% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 20 | $8,110,000 | $405,500 | $4,313 | 3.99% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $7,555,000 | $686,818 | $5,503 | 3.81% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $5,225,000 | $1,045,000 | $8,687 | 3.55% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 14 | $5,150,000 | $367,857 | $5,379 | 3.85% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $5,025,000 | $558,333 | $3,607 | 3.78% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $4,330,000 | $360,833 | $4,008 | 3.89% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $3,965,000 | $793,000 | $4,222 | 3.85% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $3,275,000 | $655,000 | $4,434 | 3.65% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $3,075,000 | $1,025,000 | $8,498 | 4.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $2,995,000 | $599,000 | $4,738 | 3.87% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 11 | $2,865,000 | $260,455 | $4,520 | 4.10% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $2,455,000 | $2,455,000 | $5,179 | 3.88% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $2,305,000 | $2,305,000 | $8,379 | 3.25% |
| Key West, FL (FHA|USDA|VA) | 2 | $2,250,000 | $1,125,000 | $8,832 | 3.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $2,105,000 | $701,667 | $3,310 | 4.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $2,755 | 3.92% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $2,085,000 | $695,000 | $3,298 | 3.83% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $2,060,000 | $257,500 | $2,949 | 4.11% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $5,471 | 3.97% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $4,105 | 3.69% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $2,000,000 | $1,000,000 | $6,025 | 3.87% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $3,479 | 3.58% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $5,015 | 3.88% |
| KINGSTON, NY (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $4,022 | 4.28% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $3,173 | 3.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $2,615 | 3.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $2,708 | 4.17% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $2,646 | 3.79% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $5,341 | 3.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,490 | 3.83% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,757 | 4.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $2,908 | 3.69% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,406 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $2,916 | 3.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,185 | 4.06% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,464 | 4.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $6,582 | 4.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $3,371 | 4.25% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $6,042 | 3.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,123 | 3.88% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,197 | 3.75% |
| Outside of Metro Areas | 4 | $530,000 | $132,500 | $3,147 | 3.81% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,249 | 4.13% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,061 | 2.99% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $4,128 | 3.72% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,832 | 3.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,264 | 4.50% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,625 | 4.08% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,717 | 3.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $2,727 | 4.38% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,393 | 4.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,007 | 3.44% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,094 | 3.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,948 | 3.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,834 | 3.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,790 | 3.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,588 | 3.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,315 | 3.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,705 | 3.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,947 | 4.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,621 | 4.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,279 | 3.75% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,509 | 4.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,158 | 3.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,491 | 3.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,297 | 3.50% |
| DOVER, DE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,282 | 4.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,306 | 4.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,904 | 3.75% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,396 | 3.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,195 | 4.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,963 | 4.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,647 | 4.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,517 | 3.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,807 | 2.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,150 | 3.88% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,610 | 4.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,690 | 3.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,047 | 4.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,061 | 2.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,315 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,347 | 3.25% |
| Taos, NM (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,303 | 3.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,158 | $542,020,000 | $468,066 | $4,449 | 3.87% |
For 2018, United Nations Federal Credit Union's most frequently originated type of loan was Conventional, with 1,158 originations.
Loan Reason
For 2018, United Nations Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 866 originations. The 2nd most popular reason was Cash Out Refi, with 175 originations.
Loan Duration/Length
For 2018, United Nations Federal Credit Union's most frequently cited loan duration was 30 Year, with 899 originations. The 2nd most popular length was 15 Year, with 243 originations.
Origination Fees/Closing Costs
United Nations Federal Credit Union's average total fees were $4,469, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 933 originations.
Interest Rates
During 2018, United Nations Federal Credit Union's average interest rate for loans was 3.86%, while their most frequently originated rate bucket for loans was 3-4%, with 724 originations.
Loan Sizing
2018 saw United Nations Federal Credit Union place emphasis on $200k-400k loans with 382 originations, totaling $112,990,000 in origination value.
Applicant Income
United Nations Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 383 originations. The second most popular income band? $100k-150k, with 313 originations.
Applicant Debt to Income Ratio
United Nations Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 316 originations. The next most common DTI ratio? 30-36%, with 253 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.49%
United Nations Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination73.40%
United Nations Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,158 | $542,020,000 | $468,066 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,158 | $542,020,000 | $468,066 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED GUARANTY CORPORATION | Other type of mortgage | Struggling to pay mortgage | 1 | 33.3% |
| UNITED GUARANTY CORPORATION | FHA mortgage | Trouble during payment process | 1 | 33.3% |
| UNITED GUARANTY CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |