White Sands Federal Credit Union Mortgage Rates, Fees & Info
Las Cruces, NMLEI: 549300N53R53ZHSNZ234
Tax ID: 85-0119233
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
White Sands Federal Credit Union is a smaller credit union specializing in Home Purchase, Cash Out Refi, and Refi loans. White Sands Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Las Cruces, Austin, Phoenix, Abilene, and El Paso among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)White Sands Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
26Origination Dollar Volume (All Markets)
$10,240,000Top 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 |
|---|---|---|---|---|---|
| LAS CRUCES, NM (FHA|USDA|VA) | 17 | $5,695,000 | $335,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $725,000 | $725,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 0.00% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against White Sands Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 27
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 26 | $10,240,000 | $393,846 | $0 | 0.00% |
For 2024, White Sands Federal Credit Union's most frequently originated type of loan was Conventional, with 26 originations.
Loan Reason
For 2024, White Sands Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 14 originations. The 2nd most popular reason was Home Improvement, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 26 | $10,240,000 | $393,846 | $0 | 0.00% |
For 2024, White Sands Federal Credit Union's most frequently cited loan duration was Other, with 26 originations.
Loan Sizing
2024 saw White Sands Federal Credit Union place emphasis on $100k-200k loans with 7 originations, totaling $1,085,000 in origination value.
Applicant Income
White Sands Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 8 originations. The second most popular income band? $150k-250k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 26 | $10,240,000 | $393,846 | $0 | 0.00% |
White Sands Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 26 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
White Sands Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.31%
White Sands Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 26 | $10,240,000 | $393,846 |