Wright-patt Credit Union Mortgage Rates, Fees & Info

BEAVERCREEK, OH

LEI: 549300N1YEXP02MHBR47

Tax ID: 31-0278870

5 stars - out of 5 stars, based on 87 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Wright-patt Credit Union is a smaller credit union specializing in Refi and 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 120 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.

    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
    Home Equity Line of Credit (HELOC) 6.29% 10/3/22
    30 Year Conventional Purchase 6.78% 10/3/22
    30 Year Conventional Refi 6.60% 10/3/22
    30 Year Cash-out Refi 6.83% 10/3/22
    30 Year FHA Purchase 7.24% 10/3/22
    30 Year FHA Refi 7.29% 10/3/22
    30 Year VA Purchase 6.30% 10/3/22
    30 Year VA Refi 6.21% 10/3/22
    30 Year USDA Purchase 6.70% 10/3/22
    30 Year USDA Refi 6.68% 10/3/22
    15 Year Conventional Purchase 6.28% 10/3/22
    15 Year Conventional Refi 6.40% 10/3/22
    15 Year Cash-out Refi 6.40% 10/3/22
    15 Year FHA Purchase 7.34% 10/3/22
    15 Year FHA Refi 5.96% 10/3/22
    15 Year VA Purchase 6.43% 10/3/22
    15 Year VA Refi 6.30% 10/3/22
    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.


    Originations

    7,545

    Origination Dollar Volume (All Markets)

    $923,165,000
    Show all (12) awards

    Relative Rate

    Wright-patt Credit Union 's average 30 year fixed mortgage rate was 3.23%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.08%.

    Relative Fees (Closing Costs)

    Wright-patt Credit Union 's average total fees/closing costs for a 30 year fixed rate mortgage were $2,584.

    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 $4,750.

    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) 4,367 $499,885,000 $114,469 $1,828 3.54%
    COLUMBUS, OH (FHA|USDA|VA) 917 $137,275,000 $149,700 $2,222 3.74%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 766 $105,440,000 $137,650 $1,816 3.67%
    SPRINGFIELD, OH (FHA|USDA|VA) 643 $69,635,000 $108,297 $1,774 3.60%
    Wilmington, OH (FHA|USDA|VA) 206 $21,040,000 $102,136 $1,843 3.71%
    Urbana, OH (FHA|USDA|VA) 161 $17,685,000 $109,845 $1,717 3.47%
    Outside of Metro Areas 122 $13,980,000 $114,590 $2,075 3.54%
    Sidney, OH (FHA|USDA|VA) 32 $3,730,000 $116,563 $1,400 3.31%
    Greenville, OH (FHA|USDA|VA) 37 $3,425,000 $92,568 $1,870 3.34%
    Bellefontaine, OH (FHA|USDA|VA) 21 $3,035,000 $144,524 $2,084 3.69%
    Washington Court House, OH (FHA|USDA|VA) 27 $2,835,000 $105,000 $1,333 3.54%
    KNOXVILLE, TN (FHA|USDA|VA) 8 $1,920,000 $240,000 $3,034 3.33%
    Sandusky, OH (FHA|USDA|VA) 3 $1,695,000 $565,000 $4,164 3.21%
    Sevierville, TN (FHA|USDA|VA) 4 $1,570,000 $392,500 $5,169 3.16%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $1,425,000 $203,571 $5,471 3.52%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 16 $1,320,000 $82,500 $1,979 3.78%
    Heber, UT (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $0 4.00%
    TOLEDO, OH (FHA|USDA|VA) 10 $1,270,000 $127,000 $1,980 3.28%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,711 3.23%
    Mount Vernon, OH (FHA|USDA|VA) 11 $1,205,000 $109,545 $907 3.86%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $1,155,000 $128,333 $1,878 3.39%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,080,000 $270,000 $2,055 3.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,065,000 $213,000 $2,763 3.05%
    TUCSON, AZ (FHA|USDA|VA) 4 $960,000 $240,000 $5,831 3.06%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $895,000 $298,333 $3,776 2.92%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $880,000 $220,000 $2,423 2.63%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $845,000 $281,667 $3,276 3.54%
    Chillicothe, OH (FHA|USDA|VA) 6 $830,000 $138,333 $1,753 3.13%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $785,000 $261,667 $2,484 2.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $785,000 $261,667 $3,445 3.29%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $680,000 $340,000 $2,431 2.75%
    Zanesville, OH (FHA|USDA|VA) 3 $655,000 $218,333 $3,225 3.08%
    Wapakoneta, OH (FHA|USDA|VA) 4 $610,000 $152,500 $3,078 3.31%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $600,000 $300,000 $3,758 2.81%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $575,000 $191,667 $2,016 3.50%
    Marion, OH (FHA|USDA|VA) 3 $565,000 $188,333 $1,894 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,603 3.19%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $470,000 $235,000 $2,883 2.75%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $470,000 $235,000 $1,538 3.19%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $465,000 $465,000 $2,937 3.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $460,000 $230,000 $3,553 2.94%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $460,000 $230,000 $3,043 3.56%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $440,000 $220,000 $6,153 3.00%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $430,000 $215,000 $2,896 3.44%
    Bucyrus-Galion, OH (FHA|USDA|VA) 3 $415,000 $138,333 $3,307 3.33%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $410,000 $102,500 $3,105 2.94%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $410,000 $205,000 $1,321 2.69%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $410,000 $102,500 $1,040 3.00%
    Ashland, OH (FHA|USDA|VA) 3 $405,000 $135,000 $3,483 3.25%
    Richmond, IN (FHA|USDA|VA) 4 $400,000 $100,000 $2,667 4.08%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $390,000 $195,000 $2,766 3.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $355,000 $355,000 $8,716 2.75%
    MIDLAND, TX (FHA|USDA|VA) 1 $355,000 $355,000 $3,747 2.38%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $355,000 $355,000 $2,561 3.50%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $355,000 $355,000 $2,898 3.75%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $355,000 $355,000 $3,299 3.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,377 3.38%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $17,711 2.50%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $340,000 $170,000 $1,768 3.56%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $325,000 $325,000 $7,595 2.88%
    MANSFIELD, OH (FHA|USDA|VA) 3 $315,000 $105,000 $3,288 3.50%
    Portsmouth, OH (FHA|USDA|VA) 2 $310,000 $155,000 $3,485 2.94%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $305,000 $305,000 $1,022 2.75%
    Coldwater, MI (FHA|USDA|VA) 1 $305,000 $305,000 $2,723 2.75%
    MONROE, MI (FHA|USDA|VA) 1 $305,000 $305,000 $2,843 3.25%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $295,000 $295,000 $4,381 3.38%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $280,000 $140,000 $1,976 2.69%
    Celina, OH (FHA|USDA|VA) 1 $265,000 $265,000 $3,349 3.25%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,437 3.13%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $255,000 $255,000 $2,184 3.13%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $245,000 $245,000 $2,072 3.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,079 2.25%
    BURLINGTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,728 2.75%
    Angola, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,776 3.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,479 3.50%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $215,000 $215,000 $2,568 3.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,117 3.13%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $210,000 $105,000 $1,208 4.40%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $210,000 $105,000 $2,543 2.69%
    MUNCIE, IN (FHA|USDA|VA) 2 $210,000 $105,000 $599 3.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $1,571 2.38%
    Lumberton, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,452 2.75%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,241 2.50%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $200,000 $100,000 $1,926 3.00%
    Somerset, KY (FHA|USDA|VA) 2 $200,000 $100,000 $3,261 3.50%
    OCALA, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,594 3.13%
    Altus, OK (FHA|USDA|VA) 1 $155,000 $155,000 $3,221 3.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $155,000 $155,000 $749 2.75%
    SALEM, OR (FHA|USDA|VA) 1 $155,000 $155,000 $2,545 3.38%
    Deming, NM (FHA|USDA|VA) 1 $145,000 $145,000 $4,249 2.88%
    Coshocton, OH (FHA|USDA|VA) 3 $145,000 $48,333 $2,829 3.71%
    Wabash, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,790 3.63%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $135,000 $135,000 $1,996 3.00%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,629 3.00%
    Fairmont, WV (FHA|USDA|VA) 1 $125,000 $125,000 $2,861 2.38%
    Greensburg, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,336 3.00%
    Hays, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,846 3.38%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,150 3.00%
    Albertville, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,571 2.50%
    Athens, OH (FHA|USDA|VA) 2 $120,000 $60,000 $1,576 4.53%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,692 2.88%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,403 2.25%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $115,000 $115,000 $599 3.50%
    AKRON, OH (FHA|USDA|VA) 1 $115,000 $115,000 $599 2.88%
    Norwalk, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.75%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
    Elizabeth City, NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,369 2.63%
    St. Marys, GA (FHA|USDA|VA) 1 $75,000 $75,000 $2,698 3.00%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,292 4.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.75%
    Wooster, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.75%
    LIMA, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
    Van Wert, OH (FHA|USDA|VA) 2 $60,000 $30,000 $0 5.13%
    Bluffton, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.75%
    FLINT, MI (FHA|USDA|VA) 1 $55,000 $55,000 $2,241 1.88%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $55,000 $55,000 $2,861 2.25%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.75%
    Seymour, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
    Ashtabula, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.00%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.75%

    Wright-patt Credit Union 's top markets include Dayton, Columbus, Cincinnati, Springfield, and Wilmington among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,016 $715,730,000 $142,689 $1,637 3.26%
    HELOC 2,129 $132,985,000 $62,464 n/a 4.47%
    VA 194 $43,200,000 $222,680 $5,117 2.77%
    FHA 192 $29,180,000 $151,979 $5,502 2.88%
    USDA 14 $2,070,000 $147,857 $4,549 2.86%

    For 2021, Wright-patt Credit Union 's most frequently originated type of loan was Conventional, with 5,016 originations. Their 2nd most popular type was HELOC, with 2,129 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,768 $246,910,000 $139,655 $1,150 3.00%
    Home Purchase 1,689 $301,395,000 $178,446 $3,462 3.14%
    Home Improvement 1,568 $93,470,000 $59,611 $615 4.44%
    Other 1,287 $103,605,000 $80,501 $1,051 4.34%
    Cash Out Refi 1,233 $177,785,000 $144,189 $1,552 3.11%

    For 2021, Wright-patt Credit Union 's most frequently cited loan purpose was Refi, with 1,768 originations. The 2nd most popular reason was Home Purchase, with 1,689 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,629 $445,765,000 $169,557 $2,584 3.23%
    Other 2,134 $135,120,000 $63,318 $4,345 4.48%
    15 Year 1,512 $184,970,000 $122,335 $1,345 3.01%
    20 Year 731 $111,165,000 $152,073 $1,178 2.98%
    10 Year 368 $25,960,000 $70,543 $1,023 4.12%
    5 Year 125 $4,085,000 $32,680 $124 4.35%
    30+ year 41 $15,785,000 $385,000 $4,728 3.34%
    3 Year 5 $315,000 $63,000 $2,000 4.05%

    For 2021, Wright-patt Credit Union 's most frequently cited loan duration was 30 Year, with 2,629 originations. The 2nd most popular length was Other, with 2,134 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 5,125 $728,695,000 $142,184
    $1k-2k 196 $38,930,000 $198,622
    $2k-3k 45 $10,925,000 $242,778
    $3k-4k 18 $4,310,000 $239,444
    $5k+ 7 $2,965,000 $423,571
    $4k-5k 3 $565,000 $188,333

    Wright-patt Credit Union 's average total fees were $2,584, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,125 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,333 $419,995,000 $126,011
    2.5-3% 2,420 $349,490,000 $144,417
    4-5% 872 $61,780,000 $70,849
    <2.5% 461 $70,325,000 $152,549
    6-7% 233 $10,915,000 $46,845
    5-6% 196 $9,820,000 $50,102
    Over 8% 30 $840,000 $28,000

    During 2021, Wright-patt Credit Union 's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 3,333 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,611 $198,015,000 $54,837 $1,180 4.02%
    $100k-200k 2,732 $387,360,000 $141,786 $1,864 3.20%
    $200k-400k 1,097 $282,815,000 $257,808 $2,937 3.12%
    $400k-600k 91 $42,815,000 $470,495 $4,877 3.08%
    $600k-1MM 12 $9,380,000 $781,667 $8,595 3.30%
    $1MM+ 2 $2,780,000 $1,390,000 $0 4.38%

    2021 saw Wright-patt Credit Union place emphasis on $100,000 or less loans with 3,611 originations, totaling $198,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,778 $191,820,000 $107,885 $1,788 3.50%
    $100k-150k 1,763 $245,485,000 $139,243 $1,973 3.65%
    $75k-100k 1,452 $171,690,000 $118,244 $1,766 3.68%
    $50k or less 1,447 $129,265,000 $89,333 $1,900 3.38%
    $150k-250k 915 $140,385,000 $153,426 $2,050 3.73%
    $250k+ 160 $36,940,000 $230,875 $3,662 3.74%

    Wright-patt Credit Union lent most frequently to those with incomes in the $50k-75k range, with 1,778 originations. The second most popular income band? $100k-150k, with 1,763 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,294 $264,470,000 $115,288 $1,692 3.62%
    30-36% 1,475 $175,855,000 $119,224 $1,815 3.62%
    <20% 1,396 $138,370,000 $99,119 $1,517 3.69%
    39% 250 $33,290,000 $133,160 $1,797 3.49%
    40% 235 $31,735,000 $135,043 $1,987 3.45%
    38% 230 $29,990,000 $130,391 $1,786 3.54%
    42% 226 $31,800,000 $140,708 $2,069 3.39%
    37% 224 $28,320,000 $126,429 $2,065 3.65%
    36% 214 $25,260,000 $118,037 $1,788 3.58%
    41% 209 $28,925,000 $138,397 $2,070 3.33%
    43% 161 $24,995,000 $155,248 $2,252 3.41%
    44% 152 $24,930,000 $164,013 $2,519 3.44%
    46% 81 $14,085,000 $173,889 $3,340 3.31%
    47% 70 $13,100,000 $187,143 $3,577 3.29%
    49% 65 $11,325,000 $174,231 $3,022 3.22%
    45% 64 $8,860,000 $138,438 $2,655 3.38%
    48% 59 $10,775,000 $182,627 $3,037 3.37%
    50-60% 55 $8,255,000 $150,091 $4,465 3.39%
    >60% 9 $2,115,000 $235,000 $2,859 3.28%

    Wright-patt Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,294 originations. The next most common DTI ratio? 30-36%, with 1,475 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,755 $694,465,000 $120,672 $1,871 3.61%
    Not provided 1,082 $145,700,000 $134,658 $1,910 3.29%
    Black 531 $54,165,000 $102,006 $2,252 3.82%
    Asian 113 $17,985,000 $159,159 $2,150 3.43%
    American Indian 31 $3,925,000 $126,613 $1,763 3.65%
    Not applicable 10 $3,780,000 $378,000 $0 3.58%
    Native Hawaiian or Islander 10 $920,000 $92,000 $2,314 3.88%
    Asian Indian 3 $785,000 $261,667 $2,351 3.13%
    Filipino 3 $525,000 $175,000 $599 4.58%
    Other Pacific Islander 3 $285,000 $95,000 $1,755 3.71%
    Korean 2 $280,000 $140,000 $1,773 3.00%
    Vietnamese 1 $235,000 $235,000 $3,286 2.75%
    Other Asian 1 $115,000 $115,000 $4,655 3.25%

    Approval Rates

    Total approvals of all applications
    84.04%

    Wright-patt Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.04%

    Wright-patt Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 2 $70,000 $35,000
    NA 7,543 $923,095,000 $122,378

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    7,545 $923,165,000 $122,355

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,340 $96,010,000 $71,649 $872 4.19%
    40-60% 1,294 $158,220,000 $122,272 $1,214 3.20%
    60-80% 2,195 $353,985,000 $161,269 $1,731 3.15%
    80-100% 1,441 $258,675,000 $179,511 $3,327 3.13%
    Over 100% 22 $6,010,000 $273,182 $11,043 2.95%
    Under 20% 1,230 $46,190,000 $37,553 $175 4.60%