Usf Federal Credit Union Mortgage Rates, Fees & InfoTampa, FL
Tax ID: 59-1009532
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
Review & OverviewUsf Federal Credit Union is a smaller credit union specializing in Home Purchase, Cash Out Refi, and Refi loans. Usf Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Tampa, North Port, Orlando, Miami, and Lakeland among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)
Usf 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.
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Origination Dollar Volume (All Markets)$97,920,000
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|
|TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA)||325||$74,815,000||$230,200||$0||0.00%|
|North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)||39||$9,635,000||$247,051||$0||0.00%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||18||$5,650,000||$313,889||$0||0.00%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||9||$2,815,000||$312,778||$0||0.00%|
|LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA)||4||$1,090,000||$272,500||$0||0.00%|
|PUNTA GORDA, FL (FHA|USDA|VA)||2||$760,000||$380,000||$0||0.00%|
|JACKSONVILLE, FL (FHA|USDA|VA)||2||$670,000||$335,000||$0||0.00%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||2||$610,000||$305,000||$0||0.00%|
|OCALA, FL (FHA|USDA|VA)||3||$525,000||$175,000||$0||0.00%|
|HOMOSASSA SPRINGS, FL (FHA|USDA|VA)||3||$495,000||$165,000||$0||0.00%|
|DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA)||1||$245,000||$245,000||$0||0.00%|
|PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA)||1||$225,000||$225,000||$0||0.00%|
|PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA)||1||$175,000||$175,000||$0||0.00%|
|GAINESVILLE, FL (FHA|USDA|VA)||1||$135,000||$135,000||$0||0.00%|
|THE VILLAGES, FL (FHA|USDA|VA)||1||$75,000||$75,000||$0||0.00%|
We use machine learning to identify the top lenders compared against USF Federal 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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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2021, Usf Federal Credit Union's most frequently originated type of loan was Conventional, with 412 originations.
For 2021, Usf Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 129 originations. The 2nd most popular reason was Cash Out Refi, with 125 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2021, Usf Federal Credit Union's most frequently cited loan duration was Other, with 412 originations.
2021 saw Usf Federal Credit Union place emphasis on $200k-400k loans with 183 originations, totaling $49,655,000 in origination value.
Usf Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 91 originations. The second most popular income band? $75k-100k, with 90 originations.
Applicant Debt to Income Ratio
|DTI Ratio||Originations||Total Value||Average Loan||Average Fees||Average Rate|
Usf Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 412 originations.
Approval RatesTotal approvals of all applications
Usf Federal Credit Union has a below average approval rate.
Pick RateApprovals leading to origination
Usf 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|