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 Refi loans. One Nevada 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.) Their top markets by origination volume include: Las Vegas, Reno, Pahrump, Los Angeles, and Carson City among others. We have data for 11 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% 4/22/24
    30 Year Conventional Purchase 6.22% 4/22/24
    30 Year Conventional Refi 6.28% 4/22/24
    30 Year Cash-out Refi 6.40% 4/22/24
    30 Year FHA Purchase 6.61% 4/22/24
    30 Year FHA Refi 6.31% 4/22/24
    30 Year VA Purchase 5.56% 4/22/24
    30 Year VA Refi 5.55% 4/22/24
    15 Year Conventional Purchase 5.94% 4/22/24
    15 Year Conventional Refi 5.86% 4/22/24
    15 Year Cash-out Refi 5.86% 4/22/24
    15 Year VA Refi 5.60% 4/22/24
    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

    1,549

    Origination Dollar Volume (All Markets)

    $382,315,000
    Show all (6) 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) 1,393 $340,285,000 $244,282 $2,588 3.12%
    RENO, NV (FHA|USDA|VA) 104 $28,310,000 $272,212 $2,528 3.24%
    Outside of Metro Areas 32 $8,850,000 $276,563 $4,091 3.14%
    Pahrump, NV (FHA|USDA|VA) 10 $1,850,000 $185,000 $2,339 2.91%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,085,000 $361,667 $2,939 2.88%
    CARSON CITY, NV (FHA|USDA|VA) 1 $455,000 $455,000 $8,666 3.00%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $430,000 $215,000 $1,930 3.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $325,000 $325,000 $2,120 2.25%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $295,000 $295,000 $1,723 3.25%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $225,000 $225,000 $2,037 2.75%
    Fernley, NV (FHA|USDA|VA) 1 $205,000 $205,000 $2,755 2.75%
    One Nevada Credit Union's top markets include Las Vegas, Reno, Pahrump, Los Angeles, and Carson City among others.

    Their top states include:
  • Nevada (FHA|USDA|VA)
  • (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Arizona (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: 168
    SILVER STATE SCHOOLS SERVICE COMPANY, LLC
    Similarity Rank: 1056
    INFINITY EQUITY GROUP, INC.
    Similarity Rank: 1584
    SNAPFI, INC.
    Similarity Rank: 1855
    Bank Iowa
    Similarity Rank: 1998
    ONE NEVADA CREDIT UNION
    Similarity Rank: 3025
    UNIVERSAL MORTGAGE & FINANCE, INC.
    Similarity Rank: 3105
    WESTCOAST MORTGAGE GROUP AND REALTY COMPANY
    Similarity Rank: 3182
    Constant Investments, Inc.
    Similarity Rank: 3224
    Credit Union 1
    Similarity Rank: 3629

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,384 $343,540,000 $248,223 $2,347 3.12%
    VA 86 $25,840,000 $300,465 $4,994 2.79%
    FHA 42 $10,760,000 $256,190 $6,646 3.02%
    HELOC 37 $2,175,000 $58,784 n/a 4.28%

    For 2020, One Nevada Credit Union's most frequently originated type of loan was Conventional, with 1,384 originations. Their 2nd most popular type was VA, with 86 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,004 $249,190,000 $248,197 $2,225 2.98%
    Cash Out Refi 276 $67,380,000 $244,130 $2,745 3.36%
    Home Purchase 221 $63,045,000 $285,271 $4,340 3.16%
    Home Improvement 30 $1,830,000 $61,000 $413 4.33%
    Other 18 $870,000 $48,333 $571 4.99%

    For 2020, One Nevada Credit Union's most frequently cited loan purpose was Refi, with 1,004 originations. The 2nd most popular reason was Cash Out Refi, with 276 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,187 $310,375,000 $261,479 $2,786 3.16%
    15 Year 319 $62,525,000 $196,003 $1,976 2.93%
    20 Year 28 $7,030,000 $251,071 $2,137 3.14%
    Other 11 $2,165,000 $196,818 $2,488 3.66%
    10 Year 3 $185,000 $61,667 $1,491 4.96%
    5 Year 1 $35,000 $35,000 $0 5.25%

    For 2020, One Nevada Credit Union's most frequently cited loan duration was 30 Year, with 1,187 originations. The 2nd most popular length was 15 Year, with 319 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,234 $303,220,000 $245,721
    $1k-2k 216 $59,480,000 $275,370
    $2k-3k 34 $9,170,000 $269,706
    $3k-4k 10 $2,910,000 $291,000
    $4k-5k 9 $2,315,000 $257,222
    $5k+ 9 $3,045,000 $338,333

    One Nevada Credit Union's average total fees were $2,786, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,234 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 651 $161,085,000 $247,442
    2.5-3% 648 $165,940,000 $256,080
    <2.5% 182 $43,990,000 $241,703
    4-5% 55 $10,535,000 $191,545
    5-6% 13 $765,000 $58,846

    During 2020, One Nevada Credit Union's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 3-4%, with 651 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 951 $262,945,000 $276,493 $2,760 3.08%
    $100k-200k 412 $64,820,000 $157,330 $2,101 3.10%
    $400k-600k 110 $49,780,000 $452,545 $3,674 3.03%
    $100,000 or less 76 $4,770,000 $62,763 $1,653 3.96%

    2020 saw One Nevada Credit Union place emphasis on $200k-400k loans with 951 originations, totaling $262,945,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 381 $82,715,000 $217,100 $2,564 3.11%
    $75k-100k 343 $85,145,000 $248,236 $2,664 3.17%
    $100k-150k 337 $89,685,000 $266,128 $2,675 3.13%
    $50k or less 231 $44,195,000 $191,320 $2,454 3.09%
    $150k-250k 203 $63,385,000 $312,241 $2,632 3.08%
    $250k+ 54 $17,190,000 $318,333 $2,989 3.19%

    One Nevada Credit Union lent most frequently to those with incomes in the $50k-75k range, with 381 originations. The second most popular income band? $75k-100k, with 343 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 475 $117,245,000 $246,832 $2,399 3.09%
    30-36% 290 $70,730,000 $243,897 $2,562 3.17%
    <20% 251 $59,725,000 $237,948 $2,349 2.95%
    39% 64 $15,370,000 $240,156 $2,593 3.16%
    38% 53 $13,195,000 $248,962 $2,857 3.19%
    42% 49 $10,645,000 $217,245 $2,647 3.45%
    43% 44 $12,270,000 $278,864 $3,545 3.20%
    41% 43 $11,505,000 $267,558 $3,109 3.19%
    36% 40 $9,310,000 $232,750 $2,936 3.27%
    40% 37 $10,035,000 $271,216 $2,839 3.15%
    37% 37 $8,535,000 $230,676 $2,533 3.39%
    46% 31 $7,705,000 $248,548 $2,998 3.25%
    49% 28 $8,210,000 $293,214 $3,129 3.00%
    45% 27 $7,055,000 $261,296 $2,603 3.13%
    44% 25 $6,915,000 $276,600 $3,203 3.23%
    48% 24 $5,870,000 $244,583 $2,709 3.14%
    47% 17 $4,455,000 $262,059 $3,023 3.16%
    50-60% 12 $3,170,000 $264,167 $6,119 2.96%

    One Nevada Credit Union lent most frequently to those with DTI ratios of 20-30%, with 475 originations. The next most common DTI ratio? 30-36%, with 290 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,185 $293,235,000 $247,456 $2,606 3.13%
    Asian 166 $41,790,000 $251,747 $2,489 3.10%
    Black 107 $25,405,000 $237,430 $2,704 3.18%
    Not provided 74 $17,590,000 $237,703 $2,725 3.03%
    Native Hawaiian or Islander 8 $2,100,000 $262,500 $2,785 2.73%
    American Indian 8 $1,940,000 $242,500 $4,491 3.30%
    Other Asian 1 $255,000 $255,000 $2,416 3.13%

    Approval Rates

    Total approvals of all applications
    85.07%

    One Nevada Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.79%

    One Nevada Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,549 $382,315,000 $246,814

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 3 $365,000 $121,667
    Single Family (1-4 Units):Site-Built 1,546 $381,950,000 $247,057

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 104 $14,050,000 $135,096 $1,896 3.01%
    40-60% 335 $71,245,000 $212,672 $2,065 2.92%
    60-80% 703 $187,205,000 $266,294 $2,406 3.16%
    80-100% 362 $105,850,000 $292,403 $3,628 3.12%
    Over 100% 5 $1,795,000 $359,000 $13,466 2.90%
    Under 20% 40 $2,170,000 $54,250 $1,215 4.49%