Orange County's Credit Union Mortgage Rates, Fees & Info

Santa Ana, CA

LEI: 549300KDDWLC5I8K6C44

Tax ID: 95-1797779

5 stars - Updated: 4/5/25 - out of 5 stars, based on 34 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Orange County's Credit Union is a smaller credit union specializing in Cash Out Refi loans. Orange County's Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Diego, San Francisco, and Madera among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Orange County's 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. Orange County's 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.

    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 7.07% 4/5/25
    30 Year Conventional Refi 6.70% 4/5/25
    30 Year Cash-out Refi 6.95% 4/5/25
    15 Year Conventional Purchase 6.00% 4/5/25
    15 Year Conventional Refi 7.35% 4/5/25
    15 Year Cash-out Refi 7.35% 4/5/25
    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.

    Orange County's Credit Union Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Orange County's 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

    1,127

    Origination Dollar Volume (All Markets)

    $206,655,000

    Awards

    ORANGE COUNTY'S CREDIT UNION 30 Year Conventional Loans gold ORANGE COUNTY'S CREDIT UNION 30 Year Conventional Loans gold
    Show all (2) awards

    Relative Rate

    Orange County's Credit Union's average 30 year fixed mortgage rate was 6.75%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.2%.

    Relative Fees (Closing Costs)

    Orange County's Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $5,918.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    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
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 938 $176,070,000 $187,708 $930 7.99%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 166 $26,140,000 $157,470 $860 7.96%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $1,835,000 $166,818 $1,335 8.09%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,255,000 $418,333 $4,996 7.25%
    MADERA, CA (FHA|USDA|VA) 3 $525,000 $175,000 $3,558 7.75%
    CHICO, CA (FHA|USDA|VA) 1 $305,000 $305,000 $6,698 7.38%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.38%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.38%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.88%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.75%
    Orange County's Credit Union's top markets include Los Angeles, Riverside, San Diego, San Francisco, and Madera among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ORANGE COUNTY'S CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Los Angeles Federal Credit Union
    Similarity Rank: 42
    MYPOINT Credit Union
    Similarity Rank: 81
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 184
    MISSION
    Similarity Rank: 205
    SOUTHLAND CREDIT UNION
    Similarity Rank: 216
    LBS FINANCIAL
    Similarity Rank: 348
    CERTIFIED
    Similarity Rank: 354
    FIRST ENTERTAINMENT
    Similarity Rank: 516
    LA Financial Federal Credit Union
    Similarity Rank: 535
    FOOTHILL FEDERAL CREDIT UNION
    Similarity Rank: 546

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 575 $98,845,000 $171,904 n/a 8.39%
    Conventional 552 $107,810,000 $195,308 $952 7.56%

    For 2024, Orange County's Credit Union's most frequently originated type of loan was HELOC, with 575 originations. Their 2nd most popular type was Conventional, with 552 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 1,051 $164,675,000 $156,684 $335 8.06%
    Home Purchase 42 $24,190,000 $575,952 $6,765 6.90%
    Refi 34 $17,790,000 $523,235 $2,535 6.88%

    For 2024, Orange County's Credit Union's most frequently cited loan purpose was Cash Out Refi, with 1,051 originations. The 2nd most popular reason was Home Purchase, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 576 $98,980,000 $171,840 $2,054 8.39%
    20 Year 258 $34,460,000 $133,566 $56 7.95%
    15 Year 207 $23,205,000 $112,101 $94 7.40%
    30 Year 81 $45,005,000 $555,617 $5,918 6.75%
    10 Year 5 $5,005,000 $1,001,000 $3,706 6.55%

    For 2024, Orange County's Credit Union's most frequently cited loan duration was Other, with 576 originations. The 2nd most popular length was 20 Year, with 258 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 504 $82,340,000 $163,373
    $1k-2k 17 $7,175,000 $422,059
    $5k+ 10 $5,210,000 $521,000
    $4k-5k 6 $3,870,000 $645,000
    $2k-3k 5 $2,245,000 $449,000
    $3k-4k 5 $1,765,000 $353,000

    Orange County's Credit Union's average total fees were $5,918, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 504 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 587 $97,755,000 $166,533
    7-8% 467 $68,225,000 $146,092
    6-7% 68 $38,550,000 $566,912
    5-6% 5 $2,125,000 $425,000

    During 2024, Orange County's Credit Union's average interest rate for loans was 6.75%, while their most frequently originated rate bucket for loans was Over 8%, with 587 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 383 $52,135,000 $136,123 $227 8.09%
    $100,000 or less 377 $23,235,000 $61,631 $74 7.96%
    $200k-400k 287 $78,045,000 $271,934 $1,261 8.11%
    $400k-600k 43 $20,795,000 $483,605 $4,928 7.40%
    $600k-1MM 30 $22,930,000 $764,333 $5,400 6.66%
    $1MM+ 7 $9,515,000 $1,359,286 $14,542 6.94%

    2024 saw Orange County's Credit Union place emphasis on $100k-200k loans with 383 originations, totaling $52,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 387 $77,245,000 $199,599 $899 8.02%
    $100k-150k 314 $44,460,000 $141,592 $644 7.96%
    $250k+ 166 $50,630,000 $305,000 $1,695 8.07%
    $75k-100k 127 $14,335,000 $112,874 $969 7.89%
    $50k-75k 89 $8,005,000 $89,944 $685 8.00%
    $50k or less 27 $2,365,000 $87,593 $1,613 7.83%

    Orange County's Credit Union lent most frequently to those with incomes in the $150k-250k range, with 387 originations. The second most popular income band? $100k-150k, with 314 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    49% 222 $38,170,000 $171,937 $415 8.09%
    30-36% 115 $20,025,000 $174,130 $707 7.96%
    44% 90 $16,640,000 $184,889 $1,051 8.05%
    20-30% 82 $14,310,000 $174,512 $1,578 7.81%
    48% 70 $13,190,000 $188,429 $1,147 7.99%
    43% 64 $13,020,000 $203,438 $1,416 8.00%
    47% 57 $8,995,000 $157,807 $514 8.07%
    46% 50 $7,860,000 $157,200 $707 8.01%
    42% 48 $8,420,000 $175,417 $388 8.11%
    41% 42 $9,160,000 $218,095 $1,005 7.93%
    45% 41 $7,305,000 $178,171 $1,420 8.03%
    36% 38 $7,130,000 $187,632 $2,357 7.84%
    37% 37 $7,335,000 $198,243 $1,317 7.82%
    40% 37 $6,515,000 $176,081 $877 7.90%
    50-60% 36 $6,160,000 $171,111 $421 7.98%
    39% 35 $5,155,000 $147,286 $1,065 8.05%
    38% 25 $4,075,000 $163,000 $775 7.80%
    <20% 19 $3,335,000 $175,526 $1,145 7.86%
    >60% 7 $1,935,000 $276,429 $3,316 7.82%

    Orange County's Credit Union lent most frequently to those with DTI ratios of 49%, with 222 originations. The next most common DTI ratio? 30-36%, with 115 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 495 $89,475,000 $180,758 $746 7.98%
    White 490 $82,800,000 $168,980 $1,050 7.99%
    Asian 102 $22,490,000 $220,490 $1,337 8.00%
    Not applicable 5 $5,205,000 $1,041,000 $0 6.72%
    Black 24 $4,950,000 $206,250 $1,746 8.01%
    Native Hawaiian or Islander 2 $860,000 $430,000 $3,015 7.38%
    American Indian 8 $750,000 $93,750 $0 8.19%
    Other Asian 1 $125,000 $125,000 $0 8.88%

    Approval Rates

    Total approvals of all applications
    75.80%

    Orange County's Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.51%

    Orange County's Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,127 $206,655,000 $183,367

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,127 $206,655,000 $183,367

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 252 $67,720,000 $268,730 $957 8.10%
    40-60% 25 $13,425,000 $537,000 $3,766 7.31%
    60-80% 25 $17,575,000 $703,000 $7,631 6.85%
    80-100% 22 $13,250,000 $602,273 $6,244 6.72%
    Under 20% 803 $94,685,000 $117,914 $92 8.04%