Wright-patt Credit Union Mortgage Rates, Fees & Info
BEAVERCREEK, OHLEI: 549300N1YEXP02MHBR47
Tax ID: 31-0278870
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Mortgage Data
Review & Overview
Wright-patt Credit Union is a smaller credit union specializing in Home Purchase loans. Wright-patt Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Dayton, Columbus, Cincinnati, Springfield, and Wilmington among others. We have data for 83 markets. (Some data included below & more in-depth data is available with an active subscription.)Wright-patt 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. Wright-patt 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.39% | 4/5/25 |
| 30 Year Conventional Purchase | 6.24% | 4/5/25 |
| 30 Year Conventional Refi | 6.23% | 4/5/25 |
| 30 Year Cash-out Refi | 6.76% | 4/5/25 |
| 30 Year FHA Purchase | 7.28% | 4/5/25 |
| 30 Year FHA Refi | 6.79% | 4/5/25 |
| 30 Year VA Purchase | 6.64% | 4/5/25 |
| 30 Year VA Refi | 6.38% | 4/5/25 |
| 30 Year USDA Purchase | 7.17% | 4/5/25 |
| 15 Year Conventional Purchase | 7.65% | 4/5/25 |
| 15 Year Conventional Refi | 8.78% | 4/5/25 |
| 15 Year Cash-out Refi | 8.78% | 4/5/25 |
| 15 Year VA Purchase | 5.64% | 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. | ||
Wright-patt Credit Union Mortgage Calculator
Your Estimates
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This is not an official calculator from Wright-patt 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
5,344Origination Dollar Volume (All Markets)
$754,020,000Awards
WRIGHT-PATT CREDIT UNION - 2024
WRIGHT-PATT CREDIT UNION is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Wright-patt Credit Union's average 30 year fixed mortgage rate was
6.19%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.36%.
Relative Fees (Closing Costs)
Wright-patt Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,999.
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 |
|---|---|---|---|---|---|
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2,804 | $355,600,000 | $126,819 | $2,767 | 7.87% |
| COLUMBUS, OH (FHA|USDA|VA) | 888 | $153,810,000 | $173,209 | $3,161 | 8.06% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 626 | $110,800,000 | $176,997 | $2,944 | 7.90% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 465 | $52,355,000 | $112,591 | $2,608 | 8.03% |
| Wilmington, OH (FHA|USDA|VA) | 111 | $13,115,000 | $118,153 | $2,192 | 8.24% |
| Outside of Metro Areas | 88 | $10,280,000 | $116,818 | $2,282 | 8.24% |
| Urbana, OH (FHA|USDA|VA) | 93 | $8,905,000 | $95,753 | $2,271 | 8.22% |
| Sidney, OH (FHA|USDA|VA) | 37 | $4,985,000 | $134,730 | $2,820 | 7.88% |
| Greenville, OH (FHA|USDA|VA) | 44 | $4,970,000 | $112,955 | $2,805 | 8.50% |
| Bellefontaine, OH (FHA|USDA|VA) | 15 | $2,985,000 | $199,000 | $4,402 | 7.17% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $1,985,000 | $283,571 | $4,384 | 6.98% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $1,900,000 | $158,333 | $3,769 | 6.93% |
| Mount Vernon, OH (FHA|USDA|VA) | 12 | $1,800,000 | $150,000 | $2,632 | 8.47% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $6,219 | 6.75% |
| TOLEDO, OH (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $5,390 | 7.03% |
| Celina, OH (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $4,971 | 6.73% |
| Wapakoneta, OH (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $3,401 | 6.79% |
| Washington Court House, OH (FHA|USDA|VA) | 14 | $1,160,000 | $82,857 | $1,593 | 8.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $5,063 | 6.00% |
| Chillicothe, OH (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $2,489 | 7.06% |
| Marion, OH (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $3,317 | 6.33% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $2,963 | 5.81% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $4,229 | 6.31% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,213 | 5.31% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,665 | 6.44% |
| AKRON, OH (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $2,717 | 8.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $4,654 | 6.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,978 | 6.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,486 | 7.24% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,039 | 5.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,343 | 6.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,203 | 5.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,404 | 6.25% |
| Zanesville, OH (FHA|USDA|VA) | 5 | $495,000 | $99,000 | $3,512 | 10.05% |
| Ashland, OH (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $3,614 | 6.53% |
| Wooster, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,952 | 6.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,295 | 7.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,354 | 6.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,095 | 5.63% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,428 | 5.75% |
| Somerset, KY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,232 | 7.94% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,674 | 6.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,407 | 6.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,457 | 6.13% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,922 | 6.00% |
| Portsmouth, OH (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,464 | 7.58% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,530 | 6.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,605 | 6.88% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $2,756 | 7.38% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,456 | 7.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,494 | 4.88% |
| Danville, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,890 | 6.38% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,935 | 6.13% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,396 | 6.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,158 | 6.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,734 | 7.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,097 | 5.63% |
| LIMA, OH (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $1,534 | 9.50% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,230 | 5.63% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,285 | 7.50% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,358 | 6.38% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,946 | 7.25% |
| Jackson, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,032 | 6.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,337 | 5.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,269 | 5.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,340 | 7.13% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,750 | 6.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,438 | 6.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,583 | 5.38% |
| Fremont, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,223 | 6.25% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,490 | 6.56% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,191 | 6.25% |
| Salem, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,638 | 5.75% |
| MONROE, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,115 | 5.00% |
| Crossville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,158 | 6.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,567 | 6.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,597 | 6.63% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $110 | 9.50% |
| Richmond, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.25% |
| Defiance, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 10.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 9.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $110 | 9.92% |
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Product Mix
For 2024, Wright-patt Credit Union's most frequently originated type of loan was Conventional, with 2,990 originations. Their 2nd most popular type was HELOC, with 2,222 originations.
Loan Reason
For 2024, Wright-patt Credit Union's most frequently cited loan purpose was Home Purchase, with 2,014 originations. The 2nd most popular reason was Home Improvement, with 1,594 originations.
Loan Duration/Length
For 2024, Wright-patt Credit Union's most frequently cited loan duration was Other, with 2,223 originations. The 2nd most popular length was 30 Year, with 2,119 originations.
Origination Fees/Closing Costs
Wright-patt Credit Union's average total fees were $3,999, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,515 originations.
Interest Rates
During 2024, Wright-patt Credit Union's average interest rate for loans was 6.19%, while their most frequently originated rate bucket for loans was Over 8%, with 2,773 originations.
Loan Sizing
2024 saw Wright-patt Credit Union place emphasis on $100,000 or less loans with 2,737 originations, totaling $142,395,000 in origination value.
Applicant Income
Wright-patt Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,426 originations. The second most popular income band? $50k-75k, with 1,136 originations.
Applicant Debt to Income Ratio
Wright-patt Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,412 originations. The next most common DTI ratio? 30-36%, with 1,230 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.48%
Wright-patt Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination81.92%
Wright-patt Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,344 | $754,020,000 | $141,097 |