Credit Human Federal Credit Union Mortgage Rates, Fees & Info

San Antonio, TX

LEI: 549300Q3ROEQU3D1IW91

Tax ID: 74-0956027

5 stars - Updated: 3/17/24 - out of 5 stars, based on 58 reviews

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

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Mortgage Data

Review & Overview

Credit Human Federal Credit Union is a smaller credit union specializing in Home Purchase loans. Credit Human Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Antonio, New Orleans, San Jose, Seattle, and Riverside among others. We have data for 388 markets. (Some data included below & more in-depth data is available with an active subscription.)

Credit Human Federal 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. Credit Human Federal 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 relatively high 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
30 Year Conventional Purchase 6.39% 3/17/24
30 Year Conventional Refi 6.31% 3/17/24
30 Year Cash-out Refi 6.42% 3/17/24
15 Year Conventional Purchase 8.62% 3/17/24
15 Year Conventional Refi 8.19% 3/17/24
15 Year Cash-out Refi 8.19% 3/17/24
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.

Credit Human Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Credit Human Federal 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

3,320

Origination Dollar Volume (All Markets)

$350,020,000

Relative Rate

Credit Human Federal Credit Union's average 30 year fixed mortgage rate was 5.45%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.69%.

Relative Fees (Closing Costs)

Credit Human Federal Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $4,172.

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.

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
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 310 $37,020,000 $119,419 $2,076 5.68%
Outside of Metro Areas 243 $26,325,000 $108,333 $6,167 6.62%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 79 $13,185,000 $166,899 $2,759 5.70%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 74 $11,410,000 $154,189 $0 7.37%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 91 $11,075,000 $121,703 $8,712 7.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 109 $10,325,000 $94,725 $7,441 7.39%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 127 $10,165,000 $80,039 $5,899 7.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 84 $9,760,000 $116,190 $12,161 7.19%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 63 $8,775,000 $139,286 $7,595 6.87%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 77 $8,725,000 $113,312 $2,019 5.99%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 78 $8,120,000 $104,103 $0 7.46%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 52 $6,350,000 $122,115 $0 7.40%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 60 $5,800,000 $96,667 $7,547 6.92%
SALEM, OR (FHA|USDA|VA) 56 $5,580,000 $99,643 $12,939 7.46%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 40 $5,450,000 $136,250 $0 7.50%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 50 $4,900,000 $98,000 $4,030 7.50%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 50 $4,790,000 $95,800 $0 7.41%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 40 $3,400,000 $85,000 $9,212 7.01%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 22 $3,310,000 $150,455 $3,751 6.29%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 29 $3,075,000 $106,034 $5,758 7.64%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 25 $2,685,000 $107,400 $0 7.34%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 27 $2,565,000 $95,000 $0 6.93%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 24 $2,480,000 $103,333 $0 6.89%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 20 $2,460,000 $123,000 $3,035 6.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 19 $2,435,000 $128,158 $0 6.79%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 32 $2,380,000 $74,375 $0 7.59%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 24 $2,350,000 $97,917 $1,941 6.50%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 30 $2,340,000 $78,000 $0 6.96%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 18 $2,140,000 $118,889 $0 6.64%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 19 $2,035,000 $107,105 $4,405 6.53%
ROCHESTER, NY (FHA|USDA|VA) 31 $1,985,000 $64,032 $0 6.98%
YUMA, AZ (FHA|USDA|VA) 15 $1,955,000 $130,333 $0 7.17%
ALBANY-LEBANON, OR (FHA|USDA|VA) 18 $1,940,000 $107,778 $12,789 7.58%
BOISE CITY, ID (FHA|USDA|VA) 15 $1,785,000 $119,000 $0 7.00%
BATON ROUGE, LA (FHA|USDA|VA) 14 $1,720,000 $122,857 $3,107 5.93%
UTICA-ROME, NY (FHA|USDA|VA) 16 $1,720,000 $107,500 $0 7.38%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 20 $1,700,000 $85,000 $0 7.25%
Outside of Metro Areas 13 $1,595,000 $122,692 $0 7.05%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 13 $1,585,000 $121,923 $0 6.85%
Port Angeles, WA (FHA|USDA|VA) 10 $1,550,000 $155,000 $12,122 7.93%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $1,510,000 $151,000 $0 6.03%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $1,465,000 $77,105 $0 6.69%
TUCSON, AZ (FHA|USDA|VA) 25 $1,455,000 $58,200 $0 6.83%
Show Low, AZ (FHA|USDA|VA) 12 $1,410,000 $117,500 $6,844 6.81%
TULSA, OK (FHA|USDA|VA) 13 $1,395,000 $107,308 $0 5.74%
HAMMOND, LA (FHA|USDA|VA) 9 $1,345,000 $149,444 $3,467 6.23%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 16 $1,340,000 $83,750 $0 6.76%
Moses Lake, WA (FHA|USDA|VA) 12 $1,250,000 $104,167 $0 6.98%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 9 $1,175,000 $130,556 $6,212 7.42%
Sandpoint, ID (FHA|USDA|VA) 6 $1,160,000 $193,333 $17,102 7.48%
LONGVIEW, TX (FHA|USDA|VA) 8 $1,150,000 $143,750 $4,434 6.24%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 8 $1,140,000 $142,500 $0 6.78%
READING, PA (FHA|USDA|VA) 15 $1,115,000 $74,333 $0 7.29%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $1,115,000 $85,769 $5,682 7.74%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 13 $1,105,000 $85,000 $5,834 7.05%
SALISBURY, MD-DE (FHA|USDA|VA) 9 $1,095,000 $121,667 $15,672 6.60%
PITTSBURGH, PA (FHA|USDA|VA) 16 $1,030,000 $64,375 $0 6.91%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 16 $1,030,000 $64,375 $0 6.70%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 8 $1,020,000 $127,500 $0 7.31%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 13 $1,015,000 $78,077 $10,396 7.23%
OCALA, FL (FHA|USDA|VA) 9 $985,000 $109,444 $0 7.56%
Hudson, NY (FHA|USDA|VA) 8 $980,000 $122,500 $0 6.24%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 9 $975,000 $108,333 $6,964 6.11%
DOVER, DE (FHA|USDA|VA) 11 $965,000 $87,727 $0 6.65%
FRESNO, CA (FHA|USDA|VA) 13 $965,000 $74,231 $0 7.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 9 $925,000 $102,778 $0 7.60%
Greeneville, TN (FHA|USDA|VA) 7 $925,000 $132,143 $2,606 6.76%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $910,000 $91,000 $6,333 7.35%
LEBANON, PA (FHA|USDA|VA) 10 $900,000 $90,000 $0 7.10%
KNOXVILLE, TN (FHA|USDA|VA) 8 $860,000 $107,500 $3,792 6.51%
BEND, OR (FHA|USDA|VA) 6 $860,000 $143,333 $14,353 7.27%
Newport, OR (FHA|USDA|VA) 7 $855,000 $122,143 $7,618 7.44%
MODESTO, CA (FHA|USDA|VA) 13 $855,000 $65,769 $0 6.92%
Fredericksburg, TX (FHA|USDA|VA) 6 $820,000 $136,667 $0 6.90%
MONTGOMERY, AL (FHA|USDA|VA) 6 $810,000 $135,000 $0 5.98%
LAFAYETTE, LA (FHA|USDA|VA) 7 $775,000 $110,714 $2,823 5.60%
GAINESVILLE, FL (FHA|USDA|VA) 6 $760,000 $126,667 $0 6.27%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $760,000 $126,667 $6,051 6.87%
Morehead City, NC (FHA|USDA|VA) 9 $755,000 $83,889 $0 6.02%
LANCASTER, PA (FHA|USDA|VA) 11 $755,000 $68,636 $0 7.45%
MEDFORD, OR (FHA|USDA|VA) 8 $740,000 $92,500 $0 6.31%
Centralia, WA (FHA|USDA|VA) 7 $735,000 $105,000 $0 7.61%
KINGSTON, NY (FHA|USDA|VA) 9 $725,000 $80,556 $0 6.40%
RENO, NV (FHA|USDA|VA) 8 $720,000 $90,000 $0 7.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 6 $720,000 $120,000 $0 7.13%
VALLEJO, CA (FHA|USDA|VA) 6 $700,000 $116,667 $0 7.85%
Roseburg, OR (FHA|USDA|VA) 7 $695,000 $99,286 $0 7.27%
Kerrville, TX (FHA|USDA|VA) 8 $670,000 $83,750 $472 6.83%
LOUISVILLE, KY (FHA|USDA|VA) 9 $655,000 $72,778 $0 6.92%
ALBUQUERQUE, NM (FHA|USDA|VA) 6 $650,000 $108,333 $0 7.43%
London, KY (FHA|USDA|VA) 6 $640,000 $106,667 $3,726 6.70%
CORVALLIS, OR (FHA|USDA|VA) 6 $630,000 $105,000 $0 6.97%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 9 $625,000 $69,444 $0 7.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $625,000 $125,000 $0 5.80%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $625,000 $89,286 $0 6.59%
NAPA, CA (FHA|USDA|VA) 6 $620,000 $103,333 $0 7.23%
CHARLESTON, WV (FHA|USDA|VA) 8 $620,000 $77,500 $0 7.00%
YORK-HANOVER, PA (FHA|USDA|VA) 11 $605,000 $55,000 $0 7.17%
STOCKTON, CA (FHA|USDA|VA) 9 $595,000 $66,111 $0 7.32%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 7 $595,000 $85,000 $0 6.03%
Aberdeen, WA (FHA|USDA|VA) 4 $590,000 $147,500 $0 5.80%
MIDLAND, TX (FHA|USDA|VA) 4 $590,000 $147,500 $4,178 5.81%
Bogalusa, LA (FHA|USDA|VA) 3 $575,000 $191,667 $4,573 6.70%
SYRACUSE, NY (FHA|USDA|VA) 6 $570,000 $95,000 $0 5.97%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $570,000 $71,250 $0 7.98%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 7 $565,000 $80,714 $0 6.99%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $555,000 $79,286 $0 7.34%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $550,000 $137,500 $0 7.33%
TEXARKANA, TX-AR (FHA|USDA|VA) 4 $540,000 $135,000 $0 6.43%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $535,000 $107,000 $0 7.26%
COLUMBUS, OH (FHA|USDA|VA) 7 $525,000 $75,000 $0 6.86%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $520,000 $130,000 $0 7.08%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 6 $520,000 $86,667 $4,581 7.60%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $515,000 $103,000 $0 6.94%
Lake City, FL (FHA|USDA|VA) 4 $510,000 $127,500 $0 6.18%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $505,000 $101,000 $0 6.56%
WALLA WALLA, WA (FHA|USDA|VA) 4 $500,000 $125,000 $0 7.98%
Jacksonville, TX (FHA|USDA|VA) 6 $500,000 $83,333 $0 6.73%
PANAMA CITY, FL (FHA|USDA|VA) 5 $495,000 $99,000 $0 6.44%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $490,000 $122,500 $0 7.45%
YAKIMA, WA (FHA|USDA|VA) 6 $490,000 $81,667 $0 7.05%
DOTHAN, AL (FHA|USDA|VA) 6 $480,000 $80,000 $0 7.78%
DeRidder, LA (FHA|USDA|VA) 4 $480,000 $120,000 $0 7.95%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 5 $455,000 $91,000 $0 5.42%
REDDING, CA (FHA|USDA|VA) 8 $450,000 $56,250 $0 7.20%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $445,000 $89,000 $0 6.64%
Kalispell, MT (FHA|USDA|VA) 3 $445,000 $148,333 $8,104 9.03%
Arcadia, FL (FHA|USDA|VA) 3 $445,000 $148,333 $0 8.03%
Athens, TX (FHA|USDA|VA) 4 $440,000 $110,000 $0 6.55%
Tahlequah, OK (FHA|USDA|VA) 4 $440,000 $110,000 $0 5.83%
Enterprise, AL (FHA|USDA|VA) 4 $430,000 $107,500 $0 6.55%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $425,000 $85,000 $0 7.80%
Ruidoso, NM (FHA|USDA|VA) 3 $425,000 $141,667 $0 7.30%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $420,000 $105,000 $0 6.53%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $415,000 $83,000 $1,746 5.77%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $415,000 $138,333 $0 5.67%
MERCED, CA (FHA|USDA|VA) 6 $400,000 $66,667 $0 7.58%
ASHEVILLE, NC (FHA|USDA|VA) 3 $385,000 $128,333 $0 7.67%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $385,000 $128,333 $0 5.70%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $385,000 $42,778 $0 7.36%
Cookeville, TN (FHA|USDA|VA) 3 $385,000 $128,333 $0 5.70%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $380,000 $63,333 $0 8.48%
WACO, TX (FHA|USDA|VA) 4 $380,000 $95,000 $890 6.97%
Coos Bay, OR (FHA|USDA|VA) 3 $375,000 $125,000 $9,129 6.73%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $375,000 $125,000 $2,751 5.69%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $375,000 $125,000 $0 7.80%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $370,000 $92,500 $0 6.58%
GREELEY, CO (FHA|USDA|VA) 4 $370,000 $92,500 $0 7.60%
YUBA CITY, CA (FHA|USDA|VA) 5 $365,000 $73,000 $0 7.02%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $360,000 $90,000 $0 6.63%
Rockport, TX (FHA|USDA|VA) 3 $355,000 $118,333 $0 6.87%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $355,000 $118,333 $7,701 6.47%
Oak Harbor, WA (FHA|USDA|VA) 3 $355,000 $118,333 $0 7.33%
Shelton, WA (FHA|USDA|VA) 3 $345,000 $115,000 $0 7.37%
Del Rio, TX (FHA|USDA|VA) 3 $345,000 $115,000 $3,742 5.15%
Brenham, TX (FHA|USDA|VA) 2 $330,000 $165,000 $0 7.50%
JACKSON, MS (FHA|USDA|VA) 6 $330,000 $55,000 $0 5.80%
TYLER, TX (FHA|USDA|VA) 3 $325,000 $108,333 $0 7.63%
Brownwood, TX (FHA|USDA|VA) 3 $325,000 $108,333 $0 7.07%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $325,000 $108,333 $2,657 6.07%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $320,000 $160,000 $0 6.40%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $315,000 $105,000 $0 6.00%
EL PASO, TX (FHA|USDA|VA) 3 $315,000 $105,000 $2,191 4.93%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $310,000 $77,500 $0 6.78%
AMARILLO, TX (FHA|USDA|VA) 4 $310,000 $77,500 $0 6.30%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $310,000 $77,500 $0 8.03%
Eureka-Arcata, CA (FHA|USDA|VA) 2 $310,000 $155,000 $0 7.20%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $305,000 $101,667 $0 6.60%
Payson, AZ (FHA|USDA|VA) 5 $305,000 $61,000 $0 7.00%
Klamath Falls, OR (FHA|USDA|VA) 3 $295,000 $98,333 $0 7.70%
MORRISTOWN, TN (FHA|USDA|VA) 1 $295,000 $295,000 $4,228 7.20%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $295,000 $98,333 $0 7.20%
Sevierville, TN (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.35%
JONESBORO, AR (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $285,000 $95,000 $0 6.60%
Beeville, TX (FHA|USDA|VA) 2 $280,000 $140,000 $4,274 5.00%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $270,000 $135,000 $0 6.45%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 4 $260,000 $65,000 $0 7.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $255,000 $85,000 $0 6.13%
Durango, CO (FHA|USDA|VA) 3 $255,000 $85,000 $3,389 7.70%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $255,000 $85,000 $0 6.50%
BINGHAMTON, NY (FHA|USDA|VA) 3 $255,000 $85,000 $0 7.37%
GETTYSBURG, PA (FHA|USDA|VA) 4 $250,000 $62,500 $0 7.53%
SALINAS, CA (FHA|USDA|VA) 2 $240,000 $120,000 $0 6.55%
BELLINGHAM, WA (FHA|USDA|VA) 2 $240,000 $120,000 $0 6.75%
ABILENE, TX (FHA|USDA|VA) 2 $230,000 $115,000 $0 6.80%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $230,000 $115,000 $9,170 6.10%
Auburn, NY (FHA|USDA|VA) 4 $230,000 $57,500 $0 6.05%
Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $230,000 $115,000 $0 7.50%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $230,000 $115,000 $0 8.30%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $225,000 $75,000 $0 7.83%
ODESSA, TX (FHA|USDA|VA) 3 $225,000 $75,000 $0 5.73%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $220,000 $110,000 $0 7.00%
Ukiah, CA (FHA|USDA|VA) 2 $220,000 $110,000 $7,676 7.65%
McAlester, OK (FHA|USDA|VA) 2 $220,000 $110,000 $0 7.00%
Seneca Falls, NY (FHA|USDA|VA) 2 $220,000 $110,000 $0 8.00%
Palatka, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.80%
Ardmore, OK (FHA|USDA|VA) 2 $210,000 $105,000 $0 8.00%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $210,000 $105,000 $0 7.95%
Frankfort, KY (FHA|USDA|VA) 2 $210,000 $105,000 $0 7.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 3 $205,000 $68,333 $0 8.23%
Minot, ND (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.40%
Russellville, AR (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.55%
Mayfield, KY (FHA|USDA|VA) 2 $200,000 $100,000 $0 7.50%
Corning, NY (FHA|USDA|VA) 3 $195,000 $65,000 $0 5.87%
GLENS FALLS, NY (FHA|USDA|VA) 3 $195,000 $65,000 $0 6.53%
Las Vegas, NM (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.90%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.70%
Malone, NY (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.40%
Zanesville, OH (FHA|USDA|VA) 3 $185,000 $61,667 $0 6.40%
Alexander City, AL (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.50%
Laurel, MS (FHA|USDA|VA) 3 $185,000 $61,667 $0 6.53%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $180,000 $90,000 $0 6.80%
FARMINGTON, NM (FHA|USDA|VA) 2 $180,000 $90,000 $0 6.90%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $180,000 $45,000 $0 5.98%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $180,000 $90,000 $0 6.80%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.00%
Montrose, CO (FHA|USDA|VA) 1 $175,000 $175,000 $7,838 6.40%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.50%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.80%
Edwards, CO (FHA|USDA|VA) 2 $170,000 $85,000 $0 7.15%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.75%
Nacogdoches, TX (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.95%
Opelousas, LA (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.60%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.95%
LUBBOCK, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.20%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $165,000 $55,000 $0 6.87%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.40%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.80%
Coffeyville, KS (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.90%
Brookings, OR (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.30%
Red Bluff, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.40%
Athens, OH (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.25%
SPARTANBURG, SC (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.80%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $160,000 $80,000 $0 8.10%
SAVANNAH, GA (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.20%
ERIE, PA (FHA|USDA|VA) 3 $155,000 $51,667 $0 6.73%
Natchez, MS-LA (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.70%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $155,000 $51,667 $0 7.67%
Paris, TN (FHA|USDA|VA) 2 $150,000 $75,000 $0 6.20%
HATTIESBURG, MS (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.90%
Uvalde, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.90%
Huntsville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,230 3.55%
Meridian, MS (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.20%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.20%
Muskogee, OK (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.60%
VICTORIA, TX (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.60%
Palestine, TX (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.75%
ITHACA, NY (FHA|USDA|VA) 2 $140,000 $70,000 $0 7.00%
CHICO, CA (FHA|USDA|VA) 3 $135,000 $45,000 $0 7.37%
Jennings, LA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.80%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.50%
VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.90%
LYNCHBURG, VA (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.45%
FORT COLLINS, CO (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.35%
Alamogordo, NM (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.60%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $125,000 $41,667 $0 7.57%
Craig, CO (FHA|USDA|VA) 1 $125,000 $125,000 $7,261 8.30%
Mount Sterling, KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.40%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.20%
Snyder, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.20%
Sonora, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
COLUMBUS, IN (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.50%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.35%
RACINE, WI (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.50%
TOLEDO, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.90%
Malvern, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.00%
Oneonta, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.80%
Lebanon, MO (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.50%
Grants, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.40%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.10%
GREAT FALLS, MT (FHA|USDA|VA) 1 $115,000 $115,000 $6,219 8.90%
LAREDO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $0 10.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $110,000 $55,000 $0 8.80%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $110,000 $55,000 $0 7.55%
DECATUR, AL (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.55%
Middlesborough, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.99%
ALTOONA, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.20%
North Wilkesboro, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.20%
SAN ANGELO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
Fort Payne, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.20%
Georgetown, SC (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.10%
BECKLEY, WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.20%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.90%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.30%
Lufkin, TX (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.70%
Brookhaven, MS (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.20%
Oil City, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.80%
EspaƱola, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.90%
Helena, MT (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.70%
Hannibal, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.70%
LAS CRUCES, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.50%
Lewisburg, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.70%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.10%
Athens, TN (FHA|USDA|VA) 1 $95,000 $95,000 $3,481 7.70%
CASPER, WY (FHA|USDA|VA) 1 $95,000 $95,000 $5,812 8.10%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $90,000 $45,000 $0 8.15%
Bartlesville, OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.10%
Troy, AL (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.90%
The Dalles, OR (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.40%
Pearsall, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.50%
WENATCHEE, WA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.20%
ELMIRA, NY (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.00%
NILES, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.40%
VISALIA, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.30%
Somerset, KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.40%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.40%
Gloversville, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.30%
Granbury, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.20%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
Hope, AR (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.60%
DALTON, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.20%
Crescent City, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.60%
MONROE, LA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.20%
Clewiston, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.20%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.00%
Port Lavaca, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.60%
Bradford, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.90%
PUEBLO, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.90%
Batesville, AR (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.10%
Bainbridge, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.50%
Silver City, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.10%
Steamboat Springs, CO (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.70%
Americus, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.40%
Alice, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.90%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.90%
MORGANTOWN, WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.90%
La Grande, OR (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.10%
Pottsville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.60%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.30%
McComb, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.80%
Winona, MN (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.00%
MADERA, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.20%
Bardstown, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.90%
Glenwood Springs, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.00%
Somerset, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.40%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.60%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.20%
CARSON CITY, NV (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.10%
Jacksonville, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.80%
Hood River, OR (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.90%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.70%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.70%
Durant, OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.20%
WHEELING, WV-OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.60%
Kingsville, TX (FHA|USDA|VA) 1 $55,000 $55,000 $989 5.10%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.30%
GAINESVILLE, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.90%
Natchitoches, LA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.20%
St. Marys, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.40%
Clearlake, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.60%
ROCKFORD, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.40%
Martin, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.20%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.60%
Kearney, NE (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.90%
Jesup, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.20%
JACKSON, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.80%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $50,000 $25,000 $0 4.90%
BOULDER, CO (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.20%
Freeport, IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.70%
Baraboo, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.80%
AKRON, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.60%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.60%
Maysville, KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.70%
Mineral Wells, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.90%
Batavia, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.60%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.90%
EL CENTRO, CA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.20%
Bozeman, MT (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.20%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.40%
PINE BLUFF, AR (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.40%
Meadville, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.50%
FLINT, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.10%
JOPLIN, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.50%
Jamestown, ND (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.40%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.20%
Fairmont, WV (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.30%
Big Stone Gap, VA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.90%
El Campo, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.10%
HARRISONBURG, VA (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.60%
COLUMBIA, SC (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.10%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.80%
BILLINGS, MT (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.90%
Credit Human Federal Credit Union's top markets include San Antonio, New Orleans, San Jose, Seattle, and Riverside among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,320 $350,020,000 $105,428 $3,240 6.82%

    For 2022, Credit Human Federal Credit Union's most frequently originated type of loan was Conventional, with 3,320 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,640 $292,180,000 $110,674 $4,343 6.99%
    Refi 339 $28,195,000 $83,171 $3,584 6.08%
    Other 137 $10,845,000 $79,161 $2,449 6.93%
    Cash Out Refi 111 $11,985,000 $107,973 $2,614 5.64%
    Home Improvement 93 $6,815,000 $73,280 $1,007 5.97%

    For 2022, Credit Human Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 2,640 originations. The 2nd most popular reason was Refi, with 339 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 2,519 $260,935,000 $103,587 $3,489 7.10%
    Other 280 $36,110,000 $128,964 $5,737 6.22%
    15 Year 240 $17,590,000 $73,292 $1,171 6.08%
    30 Year 120 $28,520,000 $237,667 $4,172 5.45%
    10 Year 86 $5,670,000 $65,930 $1,178 5.83%
    5 Year 75 $1,195,000 $15,933 $247 5.47%

    For 2022, Credit Human Federal Credit Union's most frequently cited loan duration was 20 Year, with 2,519 originations. The 2nd most popular length was Other, with 280 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 229 $11,185,000 $48,843
    $1k-2k 214 $46,780,000 $218,598
    $5k+ 40 $8,540,000 $213,500
    $4k-5k 19 $2,705,000 $142,368
    $3k-4k 17 $2,065,000 $121,471
    $2k-3k 16 $1,780,000 $111,250

    Credit Human Federal Credit Union's average total fees were $4,172, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 229 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 980 $102,290,000 $104,378
    5-6% 813 $87,485,000 $107,608
    7-8% 713 $73,845,000 $103,569
    Over 8% 620 $63,390,000 $102,242
    4-5% 160 $18,320,000 $114,500
    3-4% 24 $3,280,000 $136,667
    2.5-3% 9 $1,255,000 $139,444
    <2.5% 1 $155,000 $155,000

    During 2022, Credit Human Federal Credit Union's average interest rate for loans was 5.45%, while their most frequently originated rate bucket for loans was 6-7%, with 980 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,870 $118,290,000 $63,257 $1,096 6.81%
    $100k-200k 1,202 $164,840,000 $137,138 $5,037 6.91%
    $200k-400k 236 $60,770,000 $257,500 $5,463 6.45%
    $400k-600k 10 $4,760,000 $476,000 $6,217 5.78%
    $600k-1MM 2 $1,360,000 $680,000 $5,737 5.83%

    2022 saw Credit Human Federal Credit Union place emphasis on $100,000 or less loans with 1,870 originations, totaling $118,290,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,095 $100,505,000 $91,785 $3,176 6.94%
    $75k-100k 747 $84,265,000 $112,805 $3,183 6.83%
    $100k-150k 608 $81,410,000 $133,898 $3,707 6.77%
    $50k or less 577 $37,795,000 $65,503 $2,539 6.71%
    $150k-250k 238 $36,690,000 $154,160 $3,885 6.72%
    $250k+ 46 $8,120,000 $176,522 $2,903 6.55%

    Credit Human Federal Credit Union lent most frequently to those with incomes in the $50k-75k range, with 1,095 originations. The second most popular income band? $75k-100k, with 747 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 782 $78,630,000 $100,550 $3,377 6.62%
    30-36% 682 $70,370,000 $103,182 $3,091 6.82%
    <20% 263 $23,895,000 $90,856 $3,975 6.35%
    40% 145 $14,875,000 $102,586 $2,300 7.24%
    36% 144 $14,900,000 $103,472 $2,821 7.05%
    41% 139 $16,145,000 $116,151 $2,608 6.66%
    39% 137 $15,535,000 $113,394 $3,340 7.07%
    38% 134 $15,490,000 $115,597 $3,139 6.72%
    37% 129 $14,375,000 $111,434 $3,295 6.86%
    50-60% 127 $14,295,000 $112,559 $5,885 7.20%
    42% 118 $12,200,000 $103,390 $2,452 6.90%
    43% 113 $12,975,000 $114,823 $3,399 7.08%
    45% 96 $11,220,000 $116,875 $3,881 7.02%
    44% 87 $9,185,000 $105,575 $2,812 7.00%
    46% 56 $6,300,000 $112,500 $2,299 6.86%
    47% 51 $6,265,000 $122,843 $4,645 7.04%
    >60% 43 $4,115,000 $95,698 $0 7.04%
    48% 41 $5,025,000 $122,561 $4,571 7.39%
    49% 33 $4,225,000 $128,030 $4,832 7.32%

    Credit Human Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 782 originations. The next most common DTI ratio? 30-36%, with 682 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,631 $271,075,000 $103,031 $3,361 6.86%
    Not provided 479 $53,235,000 $111,138 $3,179 6.71%
    Black 104 $12,730,000 $122,404 $2,579 6.19%
    Asian 58 $7,580,000 $130,690 $2,788 6.99%
    American Indian 35 $3,825,000 $109,286 $3,289 7.21%
    Native Hawaiian or Islander 7 $965,000 $137,857 $12,789 6.89%
    Other Pacific Islander 2 $240,000 $120,000 $2,308 4.85%
    Asian Indian 2 $140,000 $70,000 $1,910 6.60%
    Chinese 1 $135,000 $135,000 $0 5.50%
    Filipino 1 $95,000 $95,000 $406 5.83%

    Approval Rates

    Total approvals of all applications
    33.06%

    Credit Human Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    -18.04%

    Credit Human Federal 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
    0.0 2,174 $218,960,000 $100,718
    1000.0 2 $210,000 $105,000
    1029.87 1 $105,000 $105,000
    1040.0 1 $35,000 $35,000
    1043.57 1 $75,000 $75,000
    1044.0 1 $45,000 $45,000
    1047.0 1 $35,000 $35,000
    1049.05 1 $105,000 $105,000
    1050.0 2 $70,000 $35,000
    1052.28 1 $115,000 $115,000
    1059.09 1 $35,000 $35,000
    1060.0 1 $35,000 $35,000
    1062.0 1 $105,000 $105,000
    1070.8 1 $35,000 $35,000
    1080.0 2 $50,000 $25,000
    1109.0 1 $85,000 $85,000
    1112.0 1 $115,000 $115,000
    1120.0 1 $35,000 $35,000
    1137.0 1 $35,000 $35,000
    1175.0 1 $115,000 $115,000
    1183.95 1 $135,000 $135,000
    1184.0 1 $135,000 $135,000
    1199.97 1 $35,000 $35,000
    1200.0 1 $65,000 $65,000
    1236.0 1 $35,000 $35,000
    1259.96 1 $35,000 $35,000
    1260.0 1 $45,000 $45,000
    1280.0 1 $35,000 $35,000
    1290.0 1 $45,000 $45,000
    1296.0 1 $35,000 $35,000
    1299.95 1 $135,000 $135,000
    1320.0 2 $170,000 $85,000
    1335.0 1 $55,000 $55,000
    1347.0 1 $55,000 $55,000
    1349.0 1 $105,000 $105,000
    1390.0 1 $145,000 $145,000
    1410.0 2 $190,000 $95,000
    1419.8 1 $55,000 $55,000
    1425.0 1 $145,000 $145,000
    1430.0 1 $45,000 $45,000
    1435.7 1 $145,000 $145,000
    1436.0 1 $45,000 $45,000
    1440.0 2 $100,000 $50,000
    1482.0 1 $45,000 $45,000
    1496.95 1 $155,000 $155,000
    1500.0 1 $55,000 $55,000
    1510.5 1 $55,000 $55,000
    1517.67 1 $45,000 $45,000
    1520.0 1 $45,000 $45,000
    1547.89 1 $55,000 $55,000
    1560.0 1 $55,000 $55,000
    1563.78 1 $65,000 $65,000
    1588.0 1 $45,000 $45,000
    159.0 1 $25,000 $25,000
    1590.0 1 $165,000 $165,000
    1594.38 1 $55,000 $55,000
    1596.0 1 $45,000 $45,000
    1600.0 1 $45,000 $45,000
    1601.85 1 $55,000 $55,000
    1608.0 1 $45,000 $45,000
    1620.0 1 $65,000 $65,000
    1624.5 1 $55,000 $55,000
    1647.75 1 $55,000 $55,000
    1650.0 2 $230,000 $115,000
    1653.0 1 $55,000 $55,000
    1676.0 1 $165,000 $165,000
    1680.0 1 $45,000 $45,000
    1682.88 1 $65,000 $65,000
    1720.0 1 $45,000 $45,000
    1730.13 1 $65,000 $65,000
    1738.0 1 $95,000 $95,000
    1750.0 1 $175,000 $175,000
    1760.0 1 $45,000 $45,000
    1763.97 1 $65,000 $65,000
    1767.0 1 $45,000 $45,000
    1770.0 1 $55,000 $55,000
    1774.0 1 $55,000 $55,000
    1780.0 1 $185,000 $185,000
    1796.0 2 $100,000 $50,000
    1797.0 1 $65,000 $65,000
    1800.0 3 $145,000 $48,333
    1810.5 1 $75,000 $75,000
    1840.0 1 $185,000 $185,000
    1846.47 1 $65,000 $65,000
    1870.0 1 $195,000 $195,000
    1880.0 1 $45,000 $45,000
    1896.12 1 $55,000 $55,000
    1903.6 1 $195,000 $195,000
    1908.0 2 $110,000 $55,000
    1916.0 1 $55,000 $55,000
    1935.0 1 $55,000 $55,000
    1940.0 2 $110,000 $55,000
    1948.92 1 $65,000 $65,000
    1955.66 1 $65,000 $65,000
    1972.45 1 $225,000 $225,000
    1993.6 1 $55,000 $55,000
    1995.0 1 $65,000 $65,000
    2000.0 2 $110,000 $55,000
    2008.95 1 $75,000 $75,000
    2016.0 1 $55,000 $55,000
    2032.05 1 $65,000 $65,000
    2042.52 1 $105,000 $105,000
    2051.72 1 $55,000 $55,000
    2066.86 1 $55,000 $55,000
    2076.8 1 $55,000 $55,000
    2080.0 1 $215,000 $215,000
    2086.35 1 $75,000 $75,000
    2099.85 1 $75,000 $75,000
    2100.0 3 $235,000 $78,333
    2112.4 1 $65,000 $65,000
    2121.72 1 $55,000 $55,000
    2141.16 1 $55,000 $55,000
    2145.0 1 $75,000 $75,000
    2152.68 1 $85,000 $85,000
    2159.96 1 $55,000 $55,000
    2183.0 1 $75,000 $75,000
    2193.75 1 $75,000 $75,000
    2196.0 1 $55,000 $55,000
    2196.83 1 $85,000 $85,000
    2199.0 1 $65,000 $65,000
    2200.0 1 $65,000 $65,000
    2210.0 1 $55,000 $55,000
    2214.0 1 $85,000 $85,000
    2216.0 1 $55,000 $55,000
    2239.9 1 $115,000 $115,000
    2260.5 1 $85,000 $85,000
    2266.74 1 $85,000 $85,000
    2280.0 1 $65,000 $65,000
    2320.0 1 $65,000 $65,000
    2340.0 3 $195,000 $65,000
    2356.0 1 $65,000 $65,000
    2374.0 1 $85,000 $85,000
    2396.0 3 $205,000 $68,333
    2403.0 1 $85,000 $85,000
    2408.0 1 $65,000 $65,000
    2411.4 1 $95,000 $95,000
    2416.0 1 $65,000 $65,000
    2432.0 1 $75,000 $75,000
    2466.2 1 $65,000 $65,000
    2476.0 1 $75,000 $75,000
    2480.0 1 $75,000 $75,000
    2493.6 1 $95,000 $95,000
    2499.0 2 $270,000 $135,000
    2500.0 1 $65,000 $65,000
    2510.15 1 $85,000 $85,000
    2513.92 1 $95,000 $95,000
    2516.0 1 $65,000 $65,000
    2516.4 1 $65,000 $65,000
    2519.96 1 $65,000 $65,000
    2531.66 1 $135,000 $135,000
    2548.2 1 $75,000 $75,000
    2549.97 1 $85,000 $85,000
    2550.0 2 $170,000 $85,000
    2560.0 1 $65,000 $65,000
    2565.0 1 $85,000 $85,000
    2596.0 2 $150,000 $75,000
    2600.0 1 $65,000 $65,000
    2604.0 1 $135,000 $135,000
    2655.0 1 $85,000 $85,000
    2660.0 1 $65,000 $65,000
    2676.0 1 $75,000 $75,000
    2679.75 1 $85,000 $85,000
    2689.8 1 $75,000 $75,000
    2700.0 3 $245,000 $81,667
    2716.0 1 $75,000 $75,000
    2765.57 1 $75,000 $75,000
    2769.8 1 $75,000 $75,000
    2800.0 1 $85,000 $85,000
    2834.49 1 $105,000 $105,000
    2849.97 1 $95,000 $95,000
    2850.0 1 $95,000 $95,000
    2863.8 1 $75,000 $75,000
    2871.0 1 $95,000 $95,000
    2876.0 1 $75,000 $75,000
    2876.76 1 $75,000 $75,000
    2900.0 1 $95,000 $95,000
    2925.0 1 $295,000 $295,000
    2980.54 1 $115,000 $115,000
    2988.0 1 $295,000 $295,000
    3000.0 1 $105,000 $105,000
    3016.0 1 $75,000 $75,000
    3024.24 1 $75,000 $75,000
    3040.0 1 $155,000 $155,000
    3049.6 1 $85,000 $85,000
    308.75 1 $35,000 $35,000
    3121.86 1 $105,000 $105,000
    3122.25 1 $115,000 $115,000
    3147.0 1 $105,000 $105,000
    3150.0 1 $85,000 $85,000
    3156.1 1 $75,000 $75,000
    3214.0 1 $85,000 $85,000
    3225.0 1 $115,000 $115,000
    3230.0 1 $85,000 $85,000
    3240.0 1 $85,000 $85,000
    3280.0 1 $85,000 $85,000
    3297.0 1 $125,000 $125,000
    3299.0 1 $155,000 $155,000
    3300.0 1 $115,000 $115,000
    3320.0 1 $85,000 $85,000
    3329.8 1 $95,000 $95,000
    3332.22 1 $185,000 $185,000
    3336.0 1 $115,000 $115,000
    3337.52 1 $95,000 $95,000
    3337.58 1 $95,000 $95,000
    3347.8 1 $85,000 $85,000
    3348.0 1 $115,000 $115,000
    3360.0 1 $115,000 $115,000
    3364.5 1 $115,000 $115,000
    3387.0 1 $155,000 $155,000
    3390.0 1 $115,000 $115,000
    3391.12 1 $95,000 $95,000
    3392.12 1 $105,000 $105,000
    3407.92 1 $95,000 $95,000
    3413.8 1 $85,000 $85,000
    3424.0 1 $85,000 $85,000
    3436.0 1 $85,000 $85,000
    3480.0 1 $125,000 $125,000
    3492.0 1 $95,000 $95,000
    3495.0 1 $115,000 $115,000
    3499.0 22 $2,760,000 $125,455
    3507.0 1 $125,000 $125,000
    3520.0 2 $180,000 $90,000
    3522.0 1 $115,000 $115,000
    3560.44 1 $185,000 $185,000
    3570.0 1 $125,000 $125,000
    3584.0 1 $85,000 $85,000
    3587.2 1 $95,000 $95,000
    3589.7 1 $95,000 $95,000
    3592.64 1 $105,000 $105,000
    3610.0 1 $95,000 $95,000
    3712.0 1 $95,000 $95,000
    3720.0 1 $105,000 $105,000
    3803.1 1 $125,000 $125,000
    3837.0 1 $135,000 $135,000
    3840.0 1 $125,000 $125,000
    3934.83 1 $105,000 $105,000
    3960.0 1 $205,000 $205,000
    3962.25 1 $145,000 $145,000
    3996.0 1 $105,000 $105,000
    3999.0 8 $1,080,000 $135,000
    4000.0 1 $105,000 $105,000
    4080.0 1 $145,000 $145,000
    4083.09 1 $115,000 $115,000
    4112.28 1 $145,000 $145,000
    4118.85 1 $145,000 $145,000
    4167.36 1 $105,000 $105,000
    4195.6 1 $115,000 $115,000
    4240.0 1 $215,000 $215,000
    4360.0 1 $215,000 $215,000
    4500.0 5 $725,000 $145,000
    4555.0 1 $215,000 $215,000
    4619.0 1 $225,000 $225,000
    4653.45 1 $115,000 $115,000
    4770.0 1 $175,000 $175,000
    4860.0 1 $165,000 $165,000
    4869.28 1 $135,000 $135,000
    499.0 187 $20,255,000 $108,316
    500.0 1 $15,000 $15,000
    5097.0 1 $175,000 $175,000
    5107.59 1 $185,000 $185,000
    518.17 1 $55,000 $55,000
    5200.0 1 $155,000 $155,000
    5276.0 1 $135,000 $135,000
    529.95 1 $55,000 $55,000
    550.0 1 $55,000 $55,000
    5619.0 1 $135,000 $135,000
    5687.52 1 $135,000 $135,000
    569.05 1 $55,000 $55,000
    570.32 1 $65,000 $65,000
    575.7 1 $55,000 $55,000
    592.5 1 $65,000 $65,000
    610.7 1 $65,000 $65,000
    645.29 1 $65,000 $65,000
    6477.24 1 $155,000 $155,000
    6539.88 1 $175,000 $175,000
    6700.22 1 $245,000 $245,000
    6779.68 1 $175,000 $175,000
    6840.0 1 $225,000 $225,000
    684.77 1 $75,000 $75,000
    688.0 1 $65,000 $65,000
    693.62 1 $75,000 $75,000
    702.0 1 $75,000 $75,000
    720.0 1 $25,000 $25,000
    722.5 1 $75,000 $75,000
    7499.0 1 $185,000 $185,000
    750.0 2 $30,000 $15,000
    762.79 1 $35,000 $35,000
    779.0 1 $75,000 $75,000
    780.0 1 $25,000 $25,000
    784.0 1 $85,000 $85,000
    800.0 3 $195,000 $65,000
    820.0 1 $85,000 $85,000
    821.25 1 $85,000 $85,000
    821.97 1 $25,000 $25,000
    8229.2 1 $205,000 $205,000
    823.1 1 $35,000 $35,000
    836.0 1 $25,000 $25,000
    840.0 1 $25,000 $25,000
    840.2 1 $35,000 $35,000
    860.0 1 $85,000 $85,000
    862.32 1 $105,000 $105,000
    899.36 1 $95,000 $95,000
    900.0 4 $140,000 $35,000
    902.68 1 $95,000 $95,000
    904.84 1 $105,000 $105,000
    909.95 1 $95,000 $95,000
    910.0 1 $95,000 $95,000
    910.5 1 $35,000 $35,000
    945.0 2 $80,000 $40,000
    9492.8 1 $235,000 $235,000
    950.0 1 $25,000 $25,000
    968.6 1 $35,000 $35,000
    989.0 1 $105,000 $105,000
    999.0 47 $3,085,000 $65,638
    NA 537 $73,185,000 $136,285

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,320 $350,020,000 $105,428

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 256 $17,790,000 $69,492 $2,002 6.37%
    40-60% 431 $38,705,000 $89,803 $3,452 6.53%
    60-80% 866 $90,530,000 $104,538 $5,332 6.84%
    80-100% 1,560 $192,090,000 $123,135 $4,981 7.05%
    Over 100% 37 $4,895,000 $132,297 $11,745 7.44%
    Under 20% 170 $6,010,000 $35,353 $453 5.95%