One Nevada Credit Union Mortgage Rates, Fees & Info

Las Vegas, NV

LEI: 549300PMVNBERP6TB157

Tax ID: 88-0063564

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    One Nevada Credit Union is a smaller credit union specializing in Home Purchase and Refi 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, Gardnerville Ranchos, and Carson City among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    One Nevada 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. 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.

    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) 6.27% 4/18/24
    30 Year Conventional Purchase 6.22% 4/18/24
    30 Year Conventional Refi 6.28% 4/18/24
    30 Year Cash-out Refi 6.40% 4/18/24
    30 Year FHA Purchase 6.61% 4/18/24
    30 Year FHA Refi 6.31% 4/18/24
    30 Year VA Purchase 5.56% 4/18/24
    30 Year VA Refi 5.55% 4/18/24
    15 Year Conventional Purchase 5.94% 4/18/24
    15 Year Conventional Refi 5.86% 4/18/24
    15 Year Cash-out Refi 5.86% 4/18/24
    15 Year VA Refi 5.60% 4/18/24
    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.

    One Nevada Credit Union Mortgage Calculator






    Your Estimates

    Estimated 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.


    Originations

    1,166

    Origination Dollar Volume (All Markets)

    $262,310,000
    Show all (10) awards

    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
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1,030 $230,690,000 $223,971 $3,665 4.53%
    RENO, NV (FHA|USDA|VA) 95 $21,115,000 $222,263 $2,892 4.50%
    Outside of Metro Areas 26 $6,610,000 $254,231 $4,572 4.42%
    Pahrump, NV (FHA|USDA|VA) 12 $1,940,000 $161,667 $3,782 4.54%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $4,523 4.00%
    CARSON CITY, NV (FHA|USDA|VA) 1 $285,000 $285,000 $3,868 3.88%
    Fallon, NV (FHA|USDA|VA) 1 $235,000 $235,000 $3,289 4.50%
    One Nevada Credit Union's top markets include Las Vegas, Reno, Pahrump, Gardnerville Ranchos, and Carson City among others.

    Their top states include:
  • Nevada (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Alaska (FHA|USDA|VA)

    • Similar Lenders

    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.

    Great Basin Federal Credit Union
    Similarity Rank: 220
    Nevada Mortgage Inc.
    Similarity Rank: 363
    LOGIX FEDERAL CREDIT UNION
    Similarity Rank: 828
    ONE NEVADA CREDIT UNION
    Similarity Rank: 861
    Credit Union 1
    Similarity Rank: 944
    SYNERGY HOME MORTGAGE, LLC
    Similarity Rank: 954
    SILVER STATE SCHOOLS SERVICE COMPANY, LLC
    Similarity Rank: 1002
    First Federal Bank of Kansas City
    Similarity Rank: 1372
    PINNACLE LENDING GROUP, INC.
    Similarity Rank: 1425
    East West Bank
    Similarity Rank: 1584

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 915 $207,045,000 $226,279 $2,870 4.58%
    FHA 126 $29,550,000 $234,524 $7,077 4.28%
    VA 80 $22,880,000 $286,000 $6,814 4.13%
    HELOC 45 $2,835,000 $63,000 n/a 4.89%

    For 2018, One Nevada Credit Union's most frequently originated type of loan was Conventional, with 915 originations. Their 2nd most popular type was FHA, with 126 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 579 $150,465,000 $259,870 $4,665 4.50%
    Refi 277 $60,455,000 $218,249 $2,492 4.32%
    Cash Out Refi 235 $47,155,000 $200,660 $2,775 4.62%
    Home Improvement 43 $1,845,000 $42,907 $562 5.08%
    Other 32 $2,390,000 $74,688 $566 5.35%

    For 2018, One Nevada Credit Union's most frequently cited loan purpose was Home Purchase, with 579 originations. The 2nd most popular reason was Refi, with 277 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 958 $232,010,000 $242,182 $3,860 4.54%
    15 Year 170 $24,920,000 $146,588 $2,268 4.42%
    20 Year 20 $3,620,000 $181,000 $2,788 4.32%
    10 Year 9 $355,000 $39,444 $563 5.64%
    Other 6 $1,140,000 $190,000 $1,515 4.83%
    5 Year 3 $265,000 $88,333 $3,101 5.67%

    For 2018, One Nevada Credit Union's most frequently cited loan duration was 30 Year, with 958 originations. The 2nd most popular length was 15 Year, with 170 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 872 $201,920,000 $231,560
    $1k-2k 182 $41,500,000 $228,022
    $2k-3k 48 $11,280,000 $235,000
    $3k-4k 12 $3,420,000 $285,000
    $5k+ 5 $1,175,000 $235,000
    $4k-5k 1 $155,000 $155,000

    One Nevada Credit Union's average total fees were $3,860, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 872 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 790 $178,890,000 $226,443
    3-4% 237 $58,855,000 $248,333
    5-6% 130 $23,280,000 $179,077
    6-7% 9 $1,285,000 $142,778

    During 2018, One Nevada Credit Union's average interest rate for loans was 4.54%, while their most frequently originated rate bucket for loans was 4-5%, with 790 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 665 $178,105,000 $267,827 $4,099 4.49%
    $100k-200k 351 $55,205,000 $157,279 $2,839 4.49%
    $100,000 or less 102 $5,530,000 $54,216 $1,568 4.98%
    $400k-600k 43 $18,995,000 $441,744 $5,453 4.33%
    $600k-1MM 4 $3,040,000 $760,000 $3,876 4.91%
    $1MM+ 1 $1,435,000 $1,435,000 $4,523 4.00%

    2018 saw One Nevada Credit Union place emphasis on $200k-400k loans with 665 originations, totaling $178,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 367 $77,645,000 $211,567 $3,750 4.51%
    $75k-100k 260 $60,780,000 $233,769 $3,783 4.53%
    $50k or less 212 $37,220,000 $175,566 $3,366 4.54%
    $100k-150k 194 $47,390,000 $244,278 $3,540 4.50%
    $150k-250k 104 $27,540,000 $264,808 $3,588 4.64%
    $250k+ 29 $11,735,000 $404,655 $3,225 4.47%

    One Nevada Credit Union lent most frequently to those with incomes in the $50k-75k range, with 367 originations. The second most popular income band? $75k-100k, with 260 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 242 $53,530,000 $221,198 $2,998 4.48%
    30-36% 220 $49,140,000 $223,364 $3,633 4.48%
    <20% 86 $16,020,000 $186,279 $3,037 4.42%
    49% 56 $12,790,000 $228,393 $3,438 4.60%
    42% 50 $11,790,000 $235,800 $3,578 4.70%
    41% 48 $10,330,000 $215,208 $3,479 4.61%
    38% 48 $10,110,000 $210,625 $3,741 4.67%
    36% 43 $10,055,000 $233,837 $3,645 4.60%
    44% 41 $9,385,000 $228,902 $4,062 4.61%
    37% 41 $8,525,000 $207,927 $3,379 4.62%
    43% 40 $9,640,000 $241,000 $4,266 4.46%
    50-60% 38 $9,690,000 $255,000 $6,926 4.37%
    46% 36 $8,250,000 $229,167 $4,036 4.61%
    47% 36 $9,170,000 $254,722 $3,939 4.52%
    48% 36 $8,870,000 $246,389 $3,688 4.43%
    40% 35 $9,185,000 $262,429 $3,790 4.63%
    39% 35 $8,075,000 $230,714 $3,239 4.52%
    45% 31 $6,965,000 $224,677 $3,713 4.62%
    >60% 3 $775,000 $258,333 $9,068 4.13%

    One Nevada Credit Union lent most frequently to those with DTI ratios of 20-30%, with 242 originations. The next most common DTI ratio? 30-36%, with 220 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 893 $205,515,000 $230,140 $3,668 4.52%
    Asian 119 $26,135,000 $219,622 $3,311 4.49%
    Black 102 $22,890,000 $224,412 $3,886 4.52%
    Not provided 34 $3,710,000 $109,118 $2,111 4.99%
    Native Hawaiian or Islander 7 $2,045,000 $292,143 $4,730 4.43%
    American Indian 7 $1,305,000 $186,429 $2,962 4.27%
    Other Asian 1 $275,000 $275,000 $2,576 4.38%
    Filipino 2 $250,000 $125,000 $5,933 4.19%
    Other Pacific Islander 1 $185,000 $185,000 $5,967 3.75%

    Approval Rates

    Total approvals of all applications
    75.13%

    One Nevada Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.64%

    One Nevada Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,166 $262,310,000 $224,966

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $360,000 $90,000
    Single Family (1-4 Units):Site-Built 1,162 $261,950,000 $225,430

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 51 $5,385,000 $105,588 $2,244 4.47%
    40-60% 129 $22,415,000 $173,760 $2,423 4.36%
    60-80% 453 $106,595,000 $235,309 $2,937 4.52%
    80-100% 461 $121,905,000 $264,436 $4,747 4.51%
    Over 100% 10 $3,490,000 $349,000 $11,818 3.96%
    Under 20% 61 $2,255,000 $36,967 $560 5.22%