United Nations Federal Credit Union Mortgage Rates, Fees & Info

New York, NY

LEI: 549300HCNXMTNGIMAR91

Tax ID: 13-1628594

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 small credit union specializing in Home Purchase and Refi loans. United Nations Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: New York, Washington, Boston, Baltimore, and San Francisco among others. We have data for 127 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 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 6.40% 12/16/24
30 Year Conventional Refi 6.29% 12/16/24
30 Year Cash-out Refi 6.28% 12/16/24
15 Year Conventional Purchase 5.44% 12/16/24
15 Year Conventional Refi 5.44% 12/16/24
15 Year Cash-out Refi 5.44% 12/16/24
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

2,132

Origination Dollar Volume (All Markets)

$1,225,080,000
Show all (13) awards

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) 764 $407,460,000 $533,325 $5,146 2.68%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 550 $325,850,000 $592,455 $4,611 2.71%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 173 $128,215,000 $741,127 $4,622 2.67%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 62 $38,160,000 $615,484 $5,524 2.75%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 29 $25,965,000 $895,345 $4,295 2.56%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 37 $21,735,000 $587,432 $5,388 2.59%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 26 $21,570,000 $829,615 $4,864 2.58%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $17,745,000 $1,043,824 $3,774 2.26%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 26 $16,720,000 $643,077 $5,475 3.04%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 20 $14,640,000 $732,000 $5,188 2.51%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 36 $14,630,000 $406,389 $4,961 2.77%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $12,720,000 $530,000 $6,510 2.91%
Outside of Metro Areas 26 $10,050,000 $386,538 $4,523 2.81%
Kill Devil Hills, NC (FHA|USDA|VA) 9 $7,845,000 $871,667 $7,184 2.97%
RICHMOND, VA (FHA|USDA|VA) 11 $6,775,000 $615,909 $4,065 2.95%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $5,990,000 $499,167 $3,945 2.77%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 11 $5,775,000 $525,000 $5,054 2.80%
RALEIGH-CARY, NC (FHA|USDA|VA) 10 $5,680,000 $568,000 $6,275 3.01%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $5,635,000 $626,111 $6,701 2.72%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 9 $5,205,000 $578,333 $4,609 3.01%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 14 $5,100,000 $364,286 $5,090 2.70%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $4,685,000 $937,000 $4,610 2.40%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $4,150,000 $691,667 $7,533 2.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $3,855,000 $428,333 $4,623 2.54%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 8 $3,740,000 $467,500 $5,908 2.69%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $3,705,000 $529,286 $3,675 2.54%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $3,600,000 $600,000 $8,502 2.81%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $3,575,000 $510,714 $3,277 2.59%
SALISBURY, MD-DE (FHA|USDA|VA) 9 $3,555,000 $395,000 $4,614 2.74%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $3,465,000 $495,000 $4,476 2.66%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 5 $3,365,000 $673,000 $5,176 2.70%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $3,190,000 $398,750 $4,063 2.44%
COLUMBIA, SC (FHA|USDA|VA) 5 $3,115,000 $623,000 $4,793 3.28%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $3,035,000 $607,000 $6,680 2.68%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $2,945,000 $589,000 $4,754 2.63%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $2,920,000 $730,000 $9,649 3.19%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $2,765,000 $921,667 $7,852 2.75%
WILMINGTON, NC (FHA|USDA|VA) 3 $2,635,000 $878,333 $5,885 2.92%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $2,520,000 $315,000 $5,289 2.69%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $2,385,000 $477,000 $4,077 2.78%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $2,365,000 $337,857 $5,171 3.09%
KINGSTON, NY (FHA|USDA|VA) 6 $2,350,000 $391,667 $4,858 2.58%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $2,095,000 $698,333 $8,783 2.29%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $2,075,000 $691,667 $5,804 2.63%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,910,000 $318,333 $5,233 2.54%
Breckenridge, CO (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $6,810 2.38%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,730,000 $432,500 $4,254 2.72%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,560,000 $390,000 $7,826 3.06%
Glenwood Springs, CO (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $5,233 2.88%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,465,000 $488,333 $5,981 2.75%
Heber, UT (FHA|USDA|VA) 2 $1,330,000 $665,000 $3,093 3.06%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $1,330,000 $665,000 $5,036 3.06%
BOULDER, CO (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $2,879 2.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $1,150,000 $575,000 $3,826 2.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,115,000 $371,667 $4,272 3.08%
Edwards, CO (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $3,804 2.50%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,090,000 $545,000 $5,314 2.88%
Jackson, WY-ID (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $5,935 2.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,713 3.00%
Easton, MD (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $6,475 2.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $920,000 $460,000 $1,659 2.25%
PITTSBURGH, PA (FHA|USDA|VA) 2 $900,000 $450,000 $5,392 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $890,000 $445,000 $4,127 2.81%
BEND, OR (FHA|USDA|VA) 2 $890,000 $445,000 $3,257 2.94%
LOUISVILLE, KY (FHA|USDA|VA) 3 $855,000 $285,000 $2,952 2.96%
Hilo, HI (FHA|USDA|VA) 1 $775,000 $775,000 $8,756 2.38%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $745,000 $745,000 $9,442 2.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $725,000 $725,000 $3,379 2.13%
Lebanon, NH-VT (FHA|USDA|VA) 1 $715,000 $715,000 $6,376 3.00%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $715,000 $715,000 $4,623 2.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $710,000 $355,000 $2,912 2.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $705,000 $235,000 $3,872 2.96%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $675,000 $675,000 $5,000 2.88%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $675,000 $675,000 $2,887 2.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $655,000 $655,000 $5,322 3.38%
Cullowhee, NC (FHA|USDA|VA) 1 $645,000 $645,000 $3,380 2.88%
STAUNTON, VA (FHA|USDA|VA) 1 $625,000 $625,000 $3,656 2.88%
Torrington, CT (FHA|USDA|VA) 1 $595,000 $595,000 $5,683 3.38%
Boone, NC (FHA|USDA|VA) 1 $585,000 $585,000 $3,314 2.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $575,000 $575,000 $5,407 2.00%
PITTSFIELD, MA (FHA|USDA|VA) 1 $545,000 $545,000 $5,439 2.75%
VALLEJO, CA (FHA|USDA|VA) 1 $525,000 $525,000 $5,957 2.50%
BOISE CITY, ID (FHA|USDA|VA) 1 $505,000 $505,000 $4,778 2.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $470,000 $117,500 $2,399 2.81%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $465,000 $465,000 $2,374 2.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $2,939 3.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $455,000 $151,667 $0 2.92%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $445,000 $445,000 $0 2.75%
FORT COLLINS, CO (FHA|USDA|VA) 1 $445,000 $445,000 $2,879 2.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $425,000 $425,000 $2,954 3.00%
Traverse City, MI (FHA|USDA|VA) 1 $405,000 $405,000 $9,959 2.50%
BELLINGHAM, WA (FHA|USDA|VA) 1 $405,000 $405,000 $2,406 2.50%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $380,000 $190,000 $3,584 2.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $365,000 $365,000 $0 2.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $350,000 $175,000 $2,660 2.63%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $345,000 $115,000 $2,448 2.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $325,000 $325,000 $2,369 3.38%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $325,000 $325,000 $4,706 2.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $315,000 $315,000 $0 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 1 $315,000 $315,000 $4,571 2.88%
TUCSON, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $3,226 2.88%
Hudson, NY (FHA|USDA|VA) 1 $305,000 $305,000 $2,408 3.13%
COLUMBUS, OH (FHA|USDA|VA) 1 $295,000 $295,000 $6,559 3.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $5,619 2.88%
ROCHESTER, MN (FHA|USDA|VA) 1 $265,000 $265,000 $3,088 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $245,000 $245,000 $0 2.38%
Corning, NY (FHA|USDA|VA) 1 $235,000 $235,000 $3,972 2.75%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $225,000 $225,000 $3,961 2.25%
ROANOKE, VA (FHA|USDA|VA) 1 $215,000 $215,000 $1,669 2.88%
THE VILLAGES, FL (FHA|USDA|VA) 1 $205,000 $205,000 $2,537 3.25%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $205,000 $205,000 $2,203 2.63%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,329 3.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.50%
ROCHESTER, NY (FHA|USDA|VA) 1 $195,000 $195,000 $2,796 2.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $165,000 $165,000 $3,630 3.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $165,000 $165,000 $3,319 2.13%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $165,000 $165,000 $4,736 2.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,722 3.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $3,797 2.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $1,477 2.25%
Gallup, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,112 2.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $145,000 $145,000 $3,937 3.00%
LYNCHBURG, VA (FHA|USDA|VA) 1 $125,000 $125,000 $2,565 3.13%
SAVANNAH, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.88%
OCALA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.38%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $65,000 $65,000 $3,496 2.13%
United Nations Federal Credit Union's top markets include New York, Washington, Boston, Baltimore, and San Francisco among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Maryland (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 2,131 $1,224,765,000 $574,737 $4,947 2.70%
    VA 1 $315,000 $315,000 $0 2.75%

    For 2021, United Nations Federal Credit Union's most frequently originated type of loan was Conventional, with 2,131 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 1,016 $565,650,000 $556,742 $5,404 2.76%
    Refi 748 $438,810,000 $586,644 $4,258 2.61%
    Cash Out Refi 354 $214,510,000 $605,960 $5,109 2.74%
    Home Improvement 14 $6,110,000 $436,429 $4,910 2.66%

    For 2021, United Nations Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 1,016 originations. The 2nd most popular reason was Refi, with 748 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,665 $1,036,825,000 $622,718 $5,124 2.78%
    15 Year 392 $154,440,000 $393,980 $4,250 2.39%
    20 Year 45 $16,385,000 $364,111 $4,116 2.75%
    10 Year 29 $13,425,000 $462,931 $3,777 2.28%
    Other 1 $4,005,000 $4,005,000 $0 3.50%

    For 2021, United Nations Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,665 originations. The 2nd most popular length was 15 Year, with 392 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,225 $738,745,000 $603,057
    $1k-2k 293 $160,185,000 $546,706
    $2k-3k 113 $61,115,000 $540,841
    $5k+ 107 $76,275,000 $712,850
    $3k-4k 65 $36,945,000 $568,385
    $4k-5k 49 $31,495,000 $642,755

    United Nations Federal Credit Union's average total fees were $5,124, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,225 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,053 $608,065,000 $577,460
    <2.5% 755 $437,035,000 $578,854
    3-4% 324 $179,980,000 $555,494

    During 2021, United Nations Federal Credit Union's average interest rate for loans was 2.78%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,053 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 655 $501,305,000 $765,351 $5,553 2.76%
    $200k-400k 545 $163,585,000 $300,156 $4,066 2.70%
    $400k-600k 482 $238,720,000 $495,270 $4,891 2.71%
    $1MM+ 230 $289,360,000 $1,258,087 $6,387 2.61%
    $100k-200k 196 $30,130,000 $153,724 $3,185 2.63%
    $100,000 or less 24 $1,980,000 $82,500 $3,319 2.80%

    2021 saw United Nations Federal Credit Union place emphasis on $600k-1MM loans with 655 originations, totaling $501,305,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 779 $444,395,000 $570,469 $5,108 2.70%
    $250k+ 684 $540,040,000 $789,532 $5,525 2.69%
    $100k-150k 402 $158,660,000 $394,677 $4,334 2.72%
    $75k-100k 134 $40,680,000 $303,582 $4,360 2.73%
    $50k-75k 100 $23,890,000 $238,900 $3,612 2.72%
    $50k or less 17 $2,835,000 $166,765 $3,190 2.82%

    United Nations Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 779 originations. The second most popular income band? $250k+, with 684 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 680 $382,300,000 $562,206 $4,705 2.69%
    30-36% 442 $270,300,000 $611,538 $5,331 2.70%
    <20% 285 $148,595,000 $521,386 $4,464 2.66%
    36% 80 $52,940,000 $661,750 $5,008 2.73%
    41% 73 $45,775,000 $627,055 $5,464 2.74%
    37% 73 $42,695,000 $584,863 $5,485 2.83%
    38% 73 $40,525,000 $555,137 $4,939 2.73%
    39% 70 $41,330,000 $590,429 $5,067 2.73%
    40% 66 $37,530,000 $568,636 $5,292 2.73%
    42% 62 $36,420,000 $587,419 $5,068 2.74%
    43% 53 $29,865,000 $563,491 $4,733 2.71%
    44% 44 $25,530,000 $580,227 $5,466 2.72%
    45% 35 $18,405,000 $525,857 $5,130 2.67%
    46% 26 $11,850,000 $455,769 $4,576 2.76%
    47% 22 $10,860,000 $493,636 $5,469 2.59%
    48% 17 $7,395,000 $435,000 $4,910 2.78%
    49% 16 $6,970,000 $435,625 $4,131 2.62%
    50-60% 8 $3,880,000 $485,000 $4,488 2.67%
    >60% 4 $2,850,000 $712,500 $7,538 2.88%

    United Nations Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 680 originations. The next most common DTI ratio? 30-36%, with 442 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,020 $605,330,000 $593,461 $5,030 2.73%
    Not provided 513 $306,465,000 $597,398 $5,149 2.68%
    Asian 318 $169,750,000 $533,805 $4,451 2.68%
    Black 141 $58,815,000 $417,128 $4,700 2.75%
    Asian Indian 57 $35,035,000 $614,649 $4,690 2.56%
    Chinese 24 $13,980,000 $582,500 $4,102 2.53%
    Other Asian 26 $11,290,000 $434,231 $4,438 2.64%
    Not applicable 2 $8,760,000 $4,380,000 $0 3.38%
    Filipino 12 $6,160,000 $513,333 $5,544 2.86%
    Japanese 4 $2,810,000 $702,500 $10,642 2.53%
    American Indian 6 $2,610,000 $435,000 $4,826 2.92%
    Korean 4 $2,210,000 $552,500 $5,018 2.59%
    Vietnamese 3 $1,135,000 $378,333 $3,219 1.96%
    Native Hawaiian or Islander 2 $730,000 $365,000 $5,861 2.81%

    Approval Rates

    Total approvals of all applications
    91.64%

    United Nations Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.14%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,132 $1,225,080,000 $574,615

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,132 $1,225,080,000 $574,615

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 176 $82,090,000 $466,420 $4,147 2.49%
    40-60% 413 $220,465,000 $533,814 $4,376 2.61%
    60-80% 1,097 $667,945,000 $608,883 $5,085 2.72%
    80-100% 430 $249,550,000 $580,349 $5,399 2.84%
    Under 20% 16 $5,030,000 $314,375 $4,231 2.44%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    UNITED SERVICES AUTOMOBILE ASSOCIATION Conventional home mortgage Trouble during payment process 13 19.4%
    UNITED SERVICES AUTOMOBILE ASSOCIATION VA mortgage Trouble during payment process 11 16.4%
    UNITED SERVICES AUTOMOBILE ASSOCIATION VA mortgage Struggling to pay mortgage 6 9.0%
    UNITED SERVICES AUTOMOBILE ASSOCIATION VA mortgage Closing on a mortgage 4 6.0%
    UNITED SERVICES AUTOMOBILE ASSOCIATION VA mortgage Applying for a mortgage or refinancing an existing mortgage 10 14.9%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Other type of mortgage Problem with fraud alerts or security freezes 1 1.5%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Other type of mortgage Closing on a mortgage 1 1.5%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 3 4.5%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 13.4%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Conventional home mortgage Closing on a mortgage 4 6.0%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Conventional home mortgage Incorrect information on your report 1 1.5%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Conventional home mortgage Struggling to pay mortgage 1 1.5%
    UNITED SERVICES AUTOMOBILE ASSOCIATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 3 4.5%