Five Star Credit Union Mortgage Rates, Fees & Info
Dothan, ALLEI: 549300IOM384RW3HWE57
Tax ID: 58-0960142
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Mortgage Data
Review & Overview
Five Star Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Five Star Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Dothan, Brunswick, Ozark, Macon, and Eufaula among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)Five Star 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.
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Originations
217Origination Dollar Volume (All Markets)
$41,915,000Top 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 |
|---|---|---|---|---|---|
| DOTHAN, AL (FHA|USDA|VA) | 73 | $13,075,000 | $179,110 | $0 | 0.00% |
| Outside of Metro Areas | 56 | $7,980,000 | $142,500 | $0 | 0.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 8 | $3,160,000 | $395,000 | $0 | 0.00% |
| Ozark, AL (FHA|USDA|VA) | 20 | $2,730,000 | $136,500 | $0 | 0.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $2,270,000 | $567,500 | $0 | 0.00% |
| Eufaula, AL-GA (FHA|USDA|VA) | 10 | $1,690,000 | $169,000 | $0 | 0.00% |
| Bainbridge, GA (FHA|USDA|VA) | 11 | $1,655,000 | $150,455 | $0 | 0.00% |
| Enterprise, AL (FHA|USDA|VA) | 9 | $1,545,000 | $171,667 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $0 | 0.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $0 | 0.00% |
| ALBANY, GA (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $0 | 0.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| Cordele, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 0.00% |
| Troy, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Five Star Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 217 | $41,915,000 | $193,157 | $0 | 0.00% |
For 2024, Five Star Credit Union's most frequently originated type of loan was Conventional, with 217 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 140 | $28,910,000 | $206,500 | $0 | 0.00% |
| Refi | 76 | $12,970,000 | $170,658 | $0 | 0.00% |
| Cash Out Refi | 1 | $35,000 | $35,000 | $0 | 0.00% |
For 2024, Five Star Credit Union's most frequently cited loan purpose was Home Purchase, with 140 originations. The 2nd most popular reason was Refi, with 76 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 217 | $41,915,000 | $193,157 | $0 | 0.00% |
For 2024, Five Star Credit Union's most frequently cited loan duration was Other, with 217 originations.
Loan Sizing
2024 saw Five Star Credit Union place emphasis on $100,000 or less loans with 86 originations, totaling $5,310,000 in origination value.
Applicant Income
Five Star Credit Union lent most frequently to those with incomes in the $100k-150k range, with 64 originations. The second most popular income band? $50k-75k, with 46 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 217 | $41,915,000 | $193,157 | $0 | 0.00% |
Five Star Credit Union lent most frequently to those with DTI ratios of Exempt%, with 217 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.12%
Five Star Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination64.52%
Five Star 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 |
|---|---|---|---|
| Exempt | 217 | $41,915,000 | $193,157 |