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 Improvement 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 89 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) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 6.75% | 11/17/24 |
| 30 Year Conventional Refi | 6.64% | 11/17/24 |
| 30 Year Cash-out Refi | 6.87% | 11/17/24 |
| 30 Year FHA Purchase | 7.23% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 30 Year VA Purchase | 6.26% | 11/17/24 |
| 30 Year VA Refi | 6.11% | 11/17/24 |
| 30 Year USDA Purchase | 6.65% | 11/17/24 |
| 15 Year Conventional Purchase | 6.39% | 11/17/24 |
| 15 Year Conventional Refi | 6.28% | 11/17/24 |
| 15 Year Cash-out Refi | 6.28% | 11/17/24 |
| 15 Year FHA Purchase | 6.93% | 11/17/24 |
| 15 Year VA Purchase | 6.31% | 11/17/24 |
| 15 Year VA Refi | 5.68% | 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. | ||
Wright-patt 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
6,433Origination Dollar Volume (All Markets)
$689,855,000Awards
WRIGHT-PATT CREDIT UNION - 2022
WRIGHT-PATT CREDIT UNION is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 3,473 | $344,665,000 | $99,241 | $2,096 | 5.16% |
| COLUMBUS, OH (FHA|USDA|VA) | 986 | $124,300,000 | $126,065 | $2,294 | 5.22% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 761 | $82,295,000 | $108,141 | $1,753 | 5.39% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 531 | $50,705,000 | $95,490 | $1,992 | 5.32% |
| Wilmington, OH (FHA|USDA|VA) | 149 | $15,265,000 | $102,450 | $2,061 | 5.21% |
| Urbana, OH (FHA|USDA|VA) | 143 | $15,135,000 | $105,839 | $2,012 | 5.31% |
| Outside of Metro Areas | 108 | $10,200,000 | $94,444 | $1,945 | 5.33% |
| TOLEDO, OH (FHA|USDA|VA) | 6 | $5,670,000 | $945,000 | $4,248 | 5.52% |
| Greenville, OH (FHA|USDA|VA) | 43 | $4,155,000 | $96,628 | $1,981 | 5.24% |
| Sidney, OH (FHA|USDA|VA) | 28 | $2,610,000 | $93,214 | $2,110 | 6.01% |
| Mount Vernon, OH (FHA|USDA|VA) | 12 | $2,490,000 | $207,500 | $2,699 | 6.44% |
| Bellefontaine, OH (FHA|USDA|VA) | 21 | $2,025,000 | $96,429 | $2,413 | 5.21% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $1,945,000 | $176,818 | $4,268 | 5.18% |
| Washington Court House, OH (FHA|USDA|VA) | 18 | $1,720,000 | $95,556 | $1,684 | 5.35% |
| Ashland, OH (FHA|USDA|VA) | 10 | $1,350,000 | $135,000 | $1,811 | 4.60% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $3,066 | 4.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $4,276 | 5.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $2,863 | 4.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $4,275 | 5.21% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $4,524 | 5.25% |
| Marion, OH (FHA|USDA|VA) | 10 | $870,000 | $87,000 | $1,464 | 6.75% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,688 | 5.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,934 | 6.38% |
| Chillicothe, OH (FHA|USDA|VA) | 7 | $805,000 | $115,000 | $2,252 | 4.73% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,297 | 5.06% |
| AKRON, OH (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,483 | 2.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,445 | 4.94% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,755 | 5.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $2,679 | 5.41% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,984 | 4.13% |
| Zanesville, OH (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $2,079 | 5.97% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,233 | 3.81% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,863 | 7.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,482 | 5.81% |
| OCALA, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,503 | 2.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,533 | 5.88% |
| SALEM, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,023 | 3.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $3,574 | 6.85% |
| Crossville, TN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,323 | 4.31% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,932 | 4.06% |
| Athens, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,430 | 4.06% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,372 | 7.13% |
| Sandusky, OH (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $2,606 | 5.88% |
| MANSFIELD, OH (FHA|USDA|VA) | 4 | $300,000 | $75,000 | $599 | 7.03% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,568 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,565 | 3.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,590 | 4.13% |
| Celina, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,722 | 5.31% |
| Jackson, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,424 | 4.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,187 | 5.50% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,164 | 4.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,934 | 5.63% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,864 | 5.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,536 | 5.63% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,636 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,059 | 5.50% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,753 | 6.81% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,290 | 5.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,345 | 3.63% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,121 | 5.13% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $599 | 4.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,081 | 4.50% |
| Columbus, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,590 | 5.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,083 | 4.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,807 | 3.75% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,290 | 3.63% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,017 | 4.88% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,093 | 2.50% |
| LIMA, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,200 | 3.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,841 | 7.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,874 | 3.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,057 | 5.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,231 | 5.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,157 | 3.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,676 | 7.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,393 | 4.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,106 | 3.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,746 | 5.13% |
| Wooster, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,509 | 6.88% |
| Crawfordsville, IN (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $355 | 4.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,128 | 4.00% |
| Richmond, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| Decatur, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,934 | 5.63% |
| Somerset, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.00% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.00% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $599 | 3.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,966 | 6.63% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,456 | 5.88% |
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Product Mix
For 2022, Wright-patt Credit Union's most frequently originated type of loan was HELOC, with 3,097 originations. Their 2nd most popular type was Conventional, with 3,062 originations.
Loan Reason
For 2022, Wright-patt Credit Union's most frequently cited loan purpose was Home Improvement, with 2,405 originations. The 2nd most popular reason was Home Purchase, with 1,570 originations.
Loan Duration/Length
For 2022, Wright-patt Credit Union's most frequently cited loan duration was Other, with 3,100 originations. The 2nd most popular length was 30 Year, with 1,772 originations.
Origination Fees/Closing Costs
Wright-patt Credit Union's average total fees were $3,215, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,077 originations.
Interest Rates
During 2022, Wright-patt Credit Union's average interest rate for loans was 4.96%, while their most frequently originated rate bucket for loans was 3-4%, with 1,680 originations.
Loan Sizing
2022 saw Wright-patt Credit Union place emphasis on $100,000 or less loans with 3,922 originations, totaling $200,250,000 in origination value.
Applicant Income
Wright-patt Credit Union lent most frequently to those with incomes in the $100k-150k range, with 1,656 originations. The second most popular income band? $50k-75k, with 1,499 originations.
Applicant Debt to Income Ratio
Wright-patt Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,971 originations. The next most common DTI ratio? 30-36%, with 1,295 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications77.69%
Wright-patt Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination79.15%
Wright-patt Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,433 | $689,855,000 | $107,237 |