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 small credit union specializing in Refi and 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, Baltimore, and San Francisco among others. We have data for 126 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% | 4/21/24 |
| 30 Year Conventional Refi | 6.29% | 4/21/24 |
| 30 Year Cash-out Refi | 6.28% | 4/21/24 |
| 15 Year Conventional Purchase | 5.44% | 4/21/24 |
| 15 Year Conventional Refi | 5.44% | 4/21/24 |
| 15 Year Cash-out Refi | 5.44% | 4/21/24 |
| 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
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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
2,163Origination Dollar Volume (All Markets)
$1,051,935,000Awards
United Nations Federal Credit Union - 2020
United Nations Federal Credit Union is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 824 | $434,710,000 | $527,561 | $4,111 | 2.91% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 712 | $341,910,000 | $480,211 | $4,971 | 2.97% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 61 | $43,635,000 | $715,328 | $3,903 | 3.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 56 | $30,700,000 | $548,214 | $3,697 | 2.95% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 19 | $13,665,000 | $719,211 | $3,978 | 2.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $11,380,000 | $406,429 | $5,429 | 2.97% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 25 | $10,935,000 | $437,400 | $4,824 | 2.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $10,600,000 | $662,500 | $3,736 | 3.00% |
| Outside of Metro Areas | 21 | $9,495,000 | $452,143 | $4,174 | 3.02% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 16 | $9,010,000 | $563,125 | $3,786 | 2.89% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 32 | $7,750,000 | $242,188 | $4,517 | 3.42% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 24 | $7,590,000 | $316,250 | $4,331 | 2.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 20 | $6,230,000 | $311,500 | $3,145 | 3.04% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $4,920,000 | $615,000 | $3,273 | 2.97% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $3,990,000 | $332,500 | $4,258 | 2.94% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $3,975,000 | $305,769 | $3,628 | 2.95% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $3,710,000 | $618,333 | $4,862 | 2.96% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $3,015,000 | $603,000 | $6,012 | 3.07% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,925,000 | $585,000 | $4,239 | 2.85% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 4 | $2,920,000 | $730,000 | $4,318 | 3.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 7 | $2,845,000 | $406,429 | $3,602 | 3.14% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $2,835,000 | $315,000 | $4,062 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $2,735,000 | $248,636 | $4,672 | 3.06% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $2,695,000 | $539,000 | $8,591 | 2.58% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $2,545,000 | $195,769 | $3,935 | 3.27% |
| Heber, UT (FHA|USDA|VA) | 4 | $2,500,000 | $625,000 | $3,659 | 3.34% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $2,465,000 | $821,667 | $4,347 | 2.79% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $2,435,000 | $487,000 | $3,506 | 2.83% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $2,405,000 | $2,405,000 | $5,408 | 2.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $2,355,000 | $471,000 | $4,755 | 2.78% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $2,290,000 | $572,500 | $3,713 | 2.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $4,075 | 3.17% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $2,485 | 2.82% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $2,020,000 | $505,000 | $4,145 | 2.97% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 9 | $2,005,000 | $222,778 | $3,248 | 3.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $3,422 | 3.05% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $1,760,000 | $440,000 | $4,184 | 3.00% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,740,000 | $870,000 | $9,344 | 3.25% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $4,104 | 3.14% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $4,531 | 3.18% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $1,620,000 | $810,000 | $3,715 | 2.94% |
| KINGSTON, NY (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $4,360 | 2.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $4,328 | 2.98% |
| Hilo, HI (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $4,382 | 2.87% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $4,235 | 2.92% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $3,614 | 2.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $3,834 | 3.04% |
| Torrington, CT (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $6,278 | 2.81% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $4,721 | 2.75% |
| MADISON, WI (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $4,257 | 2.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $3,165 | 3.06% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $3,128 | 3.35% |
| Laconia, NH (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $6,240 | 2.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $935,000 | $103,889 | $2,921 | 3.85% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,214 | 2.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,041 | 2.83% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $4,143 | 3.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $6,585 | 3.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $4,124 | 3.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,605 | 3.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $7,892 | 2.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,199 | 3.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,770 | 3.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,528 | 2.69% |
| Easton, MD (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,680 | 2.99% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,124 | 2.88% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,123 | 2.87% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,903 | 3.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,449 | 3.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $2,672 | 3.63% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,371 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,006 | 3.19% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,689 | 3.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,589 | 2.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,915 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,276 | 2.96% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,259 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,025 | 2.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,603 | 2.99% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,453 | 3.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,471 | 2.81% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,563 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,970 | 3.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,309 | 2.99% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,858 | 2.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,293 | 2.63% |
| OCALA, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,680 | 3.17% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,203 | 2.88% |
| Bennington, VT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,531 | 2.63% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,274 | 3.13% |
| Key West, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,662 | 2.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,716 | 3.00% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,269 | 3.38% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,742 | 3.25% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,978 | 2.88% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,391 | 3.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,748 | 2.99% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,106 | 2.88% |
| DOVER, DE (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,234 | 2.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,783 | 2.99% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,876 | 3.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,317 | 4.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,699 | 2.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,647 | 2.63% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,481 | 2.63% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,748 | 3.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,202 | 2.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,600 | 3.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,454 | 2.75% |
| READING, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,529 | 2.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,859 | 3.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,158 | 2.99% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,467 | 2.88% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,848 | 3.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,467 | 2.75% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,041 | 2.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,012 | 2.88% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,832 | 3.00% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,034 | 2.88% |
| Moscow, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,718 | 2.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,746 | 3.50% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,936 | 3.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,294 | 3.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,432 | 2.50% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,268 | 3.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,829 | 2.75% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,162 | $1,051,570,000 | $486,388 | $4,376 | 2.96% |
| VA | 1 | $365,000 | $365,000 | $19,031 | 3.50% |
For 2020, United Nations Federal Credit Union's most frequently originated type of loan was Conventional, with 2,162 originations. Their 2nd most popular type was VA, with 1 originations.
Loan Reason
For 2020, United Nations Federal Credit Union's most frequently cited loan purpose was Refi, with 1,077 originations. The 2nd most popular reason was Home Purchase, with 739 originations.
Loan Duration/Length
For 2020, United Nations Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,485 originations. The 2nd most popular length was 15 Year, with 565 originations.
Origination Fees/Closing Costs
United Nations Federal Credit Union's average total fees were $4,568, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,612 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,290 | $651,750,000 | $505,233 |
| 3-4% | 626 | $295,610,000 | $472,220 |
| <2.5% | 243 | $103,995,000 | $427,963 |
| 4-5% | 3 | $525,000 | $175,000 |
| 5-6% | 1 | $55,000 | $55,000 |
During 2020, United Nations Federal Credit Union's average interest rate for loans was 3.03%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,290 originations.
Loan Sizing
2020 saw United Nations Federal Credit Union place emphasis on $200k-400k loans with 763 originations, totaling $226,985,000 in origination value.
Applicant Income
United Nations Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 775 originations. The second most popular income band? $250k+, with 503 originations.
Applicant Debt to Income Ratio
United Nations Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 689 originations. The next most common DTI ratio? 30-36%, with 435 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.35%
United Nations Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination69.21%
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 | 2,163 | $1,051,935,000 | $486,331 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,163 | $1,051,935,000 | $486,331 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED GUARANTY CORPORATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 100.0% |