One Nevada Credit Union Mortgage Rates, Fees & InfoLas Vegas, NV
Tax ID: 88-0063564
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewOne Nevada Credit Union is a smaller credit union specializing in Cash Out Refi and Home Purchase loans. One Nevada Credit Union has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Las Vegas, Reno, Pahrump, Phoenix, and Fernley among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)
One Nevada Credit Union has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. One Nevada 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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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.27%||9/18/23|
|30 Year Conventional Purchase||6.22%||9/18/23|
|30 Year Conventional Refi||6.28%||9/18/23|
|30 Year Cash-out Refi||6.40%||9/18/23|
|30 Year FHA Purchase||6.61%||9/18/23|
|30 Year FHA Refi||6.31%||9/18/23|
|30 Year VA Purchase||5.56%||9/18/23|
|30 Year VA Refi||5.55%||9/18/23|
|15 Year Conventional Purchase||5.94%||9/18/23|
|15 Year Conventional Refi||5.86%||9/18/23|
|15 Year Cash-out Refi||5.86%||9/18/23|
|15 Year VA Refi||5.60%||9/18/23|
|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.|
One Nevada Credit Union Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from One Nevada 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.
Origination Dollar Volume (All Markets)$191,885,000
ONE NEVADA CREDIT UNION - 2022
ONE NEVADA CREDIT UNION is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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One Nevada Credit Union's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.44%.
Relative Fees (Closing Costs)
One Nevada Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,468.
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.
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 VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)||728||$169,780,000||$233,214||$3,689||4.42%|
|RENO, NV (FHA|USDA|VA)||47||$10,405,000||$221,383||$3,711||4.65%|
|Pahrump, NV (FHA|USDA|VA)||17||$3,625,000||$213,235||$4,034||4.16%|
|PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)||4||$910,000||$227,500||$4,230||4.25%|
|Fernley, NV (FHA|USDA|VA)||3||$905,000||$301,667||$4,504||4.04%|
|DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)||2||$850,000||$425,000||$2,588||4.06%|
|CARSON CITY, NV (FHA|USDA|VA)||1||$555,000||$555,000||$9,617||4.00%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||1||$535,000||$535,000||$7,110||3.75%|
|PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA)||1||$525,000||$525,000||$2,877||5.00%|
|PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA)||1||$405,000||$405,000||$7,430||4.63%|
|LAKE CHARLES, LA (FHA|USDA|VA)||1||$375,000||$375,000||$11,175||6.25%|
|LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA)||1||$335,000||$335,000||$4,253||3.00%|
|Elko, NV (FHA|USDA|VA)||1||$325,000||$325,000||$8,595||3.75%|
|WARNER ROBINS, GA (FHA|USDA|VA)||1||$325,000||$325,000||$6,821||5.50%|
|Outside of Metro Areas||1||$315,000||$315,000||$2,562||4.50%|
|TUCSON, AZ (FHA|USDA|VA)||1||$265,000||$265,000||$2,953||3.88%|
|Shelton, WA (FHA|USDA|VA)||1||$255,000||$255,000||$2,863||6.13%|
|Cedar City, UT (FHA|USDA|VA)||1||$235,000||$235,000||$5,116||6.13%|
|Truckee-Grass Valley, CA (FHA|USDA|VA)||1||$205,000||$205,000||$5,031||5.88%|
|CINCINNATI, OH-KY-IN (FHA|USDA|VA)||1||$205,000||$205,000||$5,760||4.75%|
|Gardnerville Ranchos, NV (FHA|USDA|VA)||1||$175,000||$175,000||$4,837||3.00%|
|EL CENTRO, CA (FHA|USDA|VA)||1||$145,000||$145,000||$2,781||3.50%|
|BATTLE CREEK, MI (FHA|USDA|VA)||1||$145,000||$145,000||$2,659||4.75%|
|SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA)||1||$85,000||$85,000||$2,507||5.50%|
We use machine learning to identify the top lenders compared against ONE NEVADA 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 2022, One Nevada Credit Union's most frequently originated type of loan was Conventional, with 628 originations. Their 2nd most popular type was HELOC, with 89 originations.
For 2022, One Nevada Credit Union's most frequently cited loan purpose was Cash Out Refi, with 292 originations. The 2nd most popular reason was Home Purchase, with 255 originations.
For 2022, One Nevada Credit Union's most frequently cited loan duration was 30 Year, with 567 originations. The 2nd most popular length was 15 Year, with 212 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
One Nevada Credit Union's average total fees were $4,468, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 431 originations.
During 2022, One Nevada Credit Union's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 3-4%, with 278 originations.
2022 saw One Nevada Credit Union place emphasis on $200k-400k loans with 348 originations, totaling $100,970,000 in origination value.
One Nevada Credit Union lent most frequently to those with incomes in the $50k-75k range, with 184 originations. The second most popular income band? $75k-100k, with 175 originations.
Applicant Debt to Income Ratio
One Nevada Credit Union lent most frequently to those with DTI ratios of 20-30%, with 187 originations. The next most common DTI ratio? 30-36%, with 140 originations.
Approval RatesTotal approvals of all applications
One Nevada Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick RateApprovals leading to origination
One Nevada 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|