Aurgroup Financial Credit Union Mortgage Rates, Fees & Info
FAIRFIELD, OHLEI: 549300KCWMM5PJHWO653
Tax ID: 31-6040371
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Mortgage Data
Review & Overview
Aurgroup Financial Credit Union is a smaller credit union specializing in Home Purchase and Cash Out Refi loans. Aurgroup Financial Credit Union has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, North Port, Dayton, Seattle, and Akron among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Aurgroup Financial 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. 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 | 7.00% | 11/17/24 |
| 30 Year Conventional Refi | 6.42% | 11/17/24 |
| 30 Year Cash-out Refi | 7.01% | 11/17/24 |
| 30 Year FHA Purchase | 6.27% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 15 Year Conventional Refi | 6.16% | 11/17/24 |
| 15 Year Cash-out Refi | 6.16% | 11/17/24 |
| 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. | ||
Aurgroup Financial 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
173Origination Dollar Volume (All Markets)
$22,935,000Top 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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 157 | $20,025,000 | $127,548 | $0 | 4.82% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $0 | 4.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $0 | 4.35% |
| Outside of Metro Areas | 4 | $490,000 | $122,500 | $0 | 4.81% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 4.25% |
| AKRON, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 4.69% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.00% |
| Somerset, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 169 | $22,265,000 | $131,746 | $0 | 4.81% |
| VA | 3 | $535,000 | $178,333 | $0 | 4.04% |
| USDA | 1 | $135,000 | $135,000 | $0 | 3.88% |
For 2019, Aurgroup Financial Credit Union's most frequently originated type of loan was Conventional, with 169 originations. Their 2nd most popular type was VA, with 3 originations.
Loan Reason
For 2019, Aurgroup Financial Credit Union's most frequently cited loan purpose was Home Purchase, with 80 originations. The 2nd most popular reason was Cash Out Refi, with 58 originations.
Loan Duration/Length
For 2019, Aurgroup Financial Credit Union's most frequently cited loan duration was 30 Year, with 108 originations. The 2nd most popular length was 15 Year, with 32 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 106 | $16,110,000 | $151,981 |
| $1k-2k | 23 | $3,615,000 | $157,174 |
| $2k-3k | 2 | $110,000 | $55,000 |
| $4k-5k | 1 | $105,000 | $105,000 |
Aurgroup Financial Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 106 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 90 | $11,920,000 | $132,444 |
| 5-6% | 44 | $6,170,000 | $140,227 |
| 3-4% | 30 | $4,020,000 | $134,000 |
| 6-7% | 7 | $755,000 | $107,857 |
| 7-8% | 2 | $70,000 | $35,000 |
During 2019, Aurgroup Financial Credit Union's average interest rate for loans was 4.87%, while their most frequently originated rate bucket for loans was 4-5%, with 90 originations.
Loan Sizing
2019 saw Aurgroup Financial Credit Union place emphasis on $100k-200k loans with 88 originations, totaling $12,150,000 in origination value.
Applicant Income
Aurgroup Financial Credit Union lent most frequently to those with incomes in the $50k or less range, with 47 originations. The second most popular income band? $50k-75k, with 40 originations.
Applicant Debt to Income Ratio
Aurgroup Financial Credit Union lent most frequently to those with DTI ratios of 20-30%, with 45 originations. The next most common DTI ratio? 30-36%, with 43 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.97%
Aurgroup Financial Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination66.47%
Aurgroup Financial 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 |
|---|---|---|---|
| 0.0 | 1 | $75,000 | $75,000 |
| 1683.0 | 1 | $125,000 | $125,000 |
| 1833.35 | 1 | $95,000 | $95,000 |
| 1887.95 | 1 | $35,000 | $35,000 |
| 1913.4 | 1 | $135,000 | $135,000 |
| 2039.35 | 1 | $75,000 | $75,000 |
| 2060.35 | 1 | $65,000 | $65,000 |
| 2105.35 | 1 | $105,000 | $105,000 |
| 2115.35 | 1 | $95,000 | $95,000 |
| 2116.35 | 1 | $115,000 | $115,000 |
| 2172.75 | 1 | $125,000 | $125,000 |
| 2236.35 | 1 | $145,000 | $145,000 |
| 2240.35 | 1 | $105,000 | $105,000 |
| 2241.35 | 1 | $115,000 | $115,000 |
| 2249.9 | 1 | $125,000 | $125,000 |
| 2252.35 | 1 | $115,000 | $115,000 |
| 2260.35 | 1 | $145,000 | $145,000 |
| 2263.35 | 1 | $125,000 | $125,000 |
| 2265.35 | 1 | $65,000 | $65,000 |
| 2266.35 | 1 | $145,000 | $145,000 |
| 2267.4 | 1 | $35,000 | $35,000 |
| 2286.35 | 1 | $75,000 | $75,000 |
| 2291.85 | 1 | $155,000 | $155,000 |
| 2296.9 | 1 | $185,000 | $185,000 |
| 2303.76 | 1 | $115,000 | $115,000 |
| 2352.4 | 1 | $125,000 | $125,000 |
| 2356.35 | 1 | $55,000 | $55,000 |
| 2360.35 | 1 | $95,000 | $95,000 |
| 2364.1 | 1 | $165,000 | $165,000 |
| 2386.35 | 1 | $105,000 | $105,000 |
| 2392.8 | 1 | $95,000 | $95,000 |
| 2409.35 | 1 | $115,000 | $115,000 |
| 2422.35 | 1 | $115,000 | $115,000 |
| 2423.4 | 1 | $125,000 | $125,000 |
| 2426.35 | 1 | $105,000 | $105,000 |
| 2428.6 | 1 | $155,000 | $155,000 |
| 2433.35 | 1 | $115,000 | $115,000 |
| 2436.35 | 1 | $105,000 | $105,000 |
| 2452.35 | 1 | $75,000 | $75,000 |
| 2456.35 | 1 | $85,000 | $85,000 |
| 2458.35 | 1 | $115,000 | $115,000 |
| 2468.9 | 1 | $165,000 | $165,000 |
| 2475.1 | 1 | $165,000 | $165,000 |
| 2480.6 | 1 | $195,000 | $195,000 |
| 2493.4 | 1 | $85,000 | $85,000 |
| 2493.65 | 1 | $205,000 | $205,000 |
| 2495.4 | 1 | $95,000 | $95,000 |
| 2497.35 | 1 | $105,000 | $105,000 |
| 2502.4 | 1 | $145,000 | $145,000 |
| 2519.4 | 1 | $105,000 | $105,000 |
| 2523.85 | 1 | $185,000 | $185,000 |
| 2527.4 | 1 | $135,000 | $135,000 |
| 2530.35 | 1 | $65,000 | $65,000 |
| 2536.35 | 2 | $250,000 | $125,000 |
| 2537.85 | 2 | $320,000 | $160,000 |
| 2559.35 | 1 | $105,000 | $105,000 |
| 2583.6 | 1 | $155,000 | $155,000 |
| 2586.1 | 1 | $115,000 | $115,000 |
| 2589.1 | 1 | $65,000 | $65,000 |
| 2594.7 | 1 | $205,000 | $205,000 |
| 2597.35 | 1 | $175,000 | $175,000 |
| 2598.35 | 1 | $115,000 | $115,000 |
| 2598.85 | 1 | $165,000 | $165,000 |
| 2604.35 | 1 | $205,000 | $205,000 |
| 2608.35 | 1 | $125,000 | $125,000 |
| 2626.73 | 1 | $65,000 | $65,000 |
| 2629.35 | 1 | $115,000 | $115,000 |
| 2641.35 | 1 | $175,000 | $175,000 |
| 2653.35 | 1 | $145,000 | $145,000 |
| 2654.35 | 1 | $85,000 | $85,000 |
| 2672.4 | 1 | $105,000 | $105,000 |
| 2678.35 | 1 | $45,000 | $45,000 |
| 2679.35 | 1 | $135,000 | $135,000 |
| 2680.85 | 1 | $185,000 | $185,000 |
| 2683.9 | 1 | $115,000 | $115,000 |
| 2690.85 | 1 | $205,000 | $205,000 |
| 2699.35 | 1 | $145,000 | $145,000 |
| 2707.35 | 1 | $125,000 | $125,000 |
| 2729.85 | 1 | $225,000 | $225,000 |
| 2734.15 | 1 | $155,000 | $155,000 |
| 2750.35 | 1 | $115,000 | $115,000 |
| 2751.85 | 1 | $115,000 | $115,000 |
| 2754.45 | 1 | $45,000 | $45,000 |
| 2762.15 | 1 | $125,000 | $125,000 |
| 2771.6 | 1 | $165,000 | $165,000 |
| 2785.6 | 1 | $185,000 | $185,000 |
| 2807.6 | 1 | $175,000 | $175,000 |
| 2838.95 | 1 | $175,000 | $175,000 |
| 2859.35 | 1 | $215,000 | $215,000 |
| 2862.35 | 1 | $155,000 | $155,000 |
| 2875.15 | 1 | $95,000 | $95,000 |
| 2882.9 | 1 | $135,000 | $135,000 |
| 2895.15 | 1 | $165,000 | $165,000 |
| 2908.6 | 1 | $225,000 | $225,000 |
| 2920.85 | 1 | $195,000 | $195,000 |
| 2952.6 | 1 | $235,000 | $235,000 |
| 2959.6 | 1 | $85,000 | $85,000 |
| 3031.4 | 1 | $285,000 | $285,000 |
| 3064.85 | 1 | $435,000 | $435,000 |
| 3074.35 | 1 | $125,000 | $125,000 |
| 3078.85 | 1 | $295,000 | $295,000 |
| 3084.35 | 1 | $225,000 | $225,000 |
| 3123.35 | 1 | $245,000 | $245,000 |
| 3156.35 | 1 | $285,000 | $285,000 |
| 3172.35 | 1 | $235,000 | $235,000 |
| 3177.6 | 1 | $235,000 | $235,000 |
| 3219.35 | 1 | $275,000 | $275,000 |
| 3241.35 | 1 | $325,000 | $325,000 |
| 3262.85 | 1 | $215,000 | $215,000 |
| 3294.35 | 1 | $135,000 | $135,000 |
| 3397.48 | 1 | $185,000 | $185,000 |
| 3410.95 | 1 | $135,000 | $135,000 |
| 3450.85 | 1 | $195,000 | $195,000 |
| 3452.1 | 1 | $175,000 | $175,000 |
| 3524.95 | 1 | $115,000 | $115,000 |
| 3569.86 | 1 | $25,000 | $25,000 |
| 3599.1 | 1 | $55,000 | $55,000 |
| 3599.35 | 1 | $125,000 | $125,000 |
| 3738.1 | 1 | $195,000 | $195,000 |
| 3752.4 | 1 | $135,000 | $135,000 |
| 3825.48 | 1 | $185,000 | $185,000 |
| 3841.6 | 1 | $185,000 | $185,000 |
| 3864.29 | 1 | $55,000 | $55,000 |
| 3951.47 | 1 | $465,000 | $465,000 |
| 3998.85 | 1 | $225,000 | $225,000 |
| 4007.98 | 1 | $135,000 | $135,000 |
| 4104.6 | 1 | $225,000 | $225,000 |
| 411.6 | 31 | $1,485,000 | $47,903 |
| 4224.35 | 1 | $325,000 | $325,000 |
| 4524.23 | 1 | $275,000 | $275,000 |
| 5176.4 | 1 | $455,000 | $455,000 |
| 5774.35 | 1 | $105,000 | $105,000 |
| NA | 9 | $1,435,000 | $159,444 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 173 | $22,935,000 | $132,572 |