Credit Human Federal Credit Union Mortgage Rates, Fees & Info

San Antonio, TX

LEI: 549300Q3ROEQU3D1IW91

Tax ID: 74-0956027

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Mortgage Data

Review & Overview

Credit Human Federal Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Credit Human Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Antonio, Los Angeles, San Jose, San Diego, and Phoenix among others. We have data for 383 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 an average 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
30 Year Conventional Purchase 6.39% 11/21/24
30 Year Conventional Refi 6.31% 11/21/24
30 Year Cash-out Refi 6.42% 11/21/24
15 Year Conventional Purchase 8.62% 11/21/24
15 Year Conventional Refi 8.19% 11/21/24
15 Year Cash-out Refi 8.19% 11/21/24
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

4,002

Origination Dollar Volume (All Markets)

$349,780,000

Awards

CREDIT HUMAN FEDERAL CREDIT UNION 30 Year Conventional Loans gold CREDIT HUMAN FEDERAL CREDIT UNION 30 Year Conventional Loans gold CREDIT HUMAN FEDERAL CREDIT UNION 30 Year Conventional Loans gold
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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) 360 $43,170,000 $119,917 $2,621 3.82%
Outside of Metro Areas 314 $24,860,000 $79,172 $5,171 6.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 184 $19,420,000 $105,543 $0 6.40%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 118 $18,980,000 $160,847 $0 6.38%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 178 $17,900,000 $100,562 $0 6.34%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 270 $16,940,000 $62,741 $7,270 6.83%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 99 $12,615,000 $127,424 $0 6.45%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 147 $11,285,000 $76,769 $0 6.44%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 117 $10,885,000 $93,034 $0 6.18%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 73 $8,425,000 $115,411 $3,265 4.26%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 72 $7,710,000 $107,083 $0 6.56%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 92 $7,210,000 $78,370 $0 6.34%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 79 $5,865,000 $74,241 $0 6.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 49 $3,805,000 $77,653 $0 6.59%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 31 $3,525,000 $113,710 $0 6.36%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 41 $3,155,000 $76,951 $5,057 5.99%
TUCSON, AZ (FHA|USDA|VA) 54 $2,950,000 $54,630 $0 6.91%
SALEM, OR (FHA|USDA|VA) 45 $2,925,000 $65,000 $0 6.70%
NAPA, CA (FHA|USDA|VA) 24 $2,910,000 $121,250 $0 6.52%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 37 $2,885,000 $77,973 $0 6.07%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 14 $2,430,000 $173,571 $0 5.86%
YUMA, AZ (FHA|USDA|VA) 24 $2,290,000 $95,417 $0 6.87%
VALLEJO, CA (FHA|USDA|VA) 20 $2,150,000 $107,500 $0 6.91%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 29 $2,055,000 $70,862 $498 6.14%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 29 $1,855,000 $63,966 $0 6.08%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 23 $1,765,000 $76,739 $0 6.83%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 19 $1,655,000 $87,105 $0 6.05%
SALINAS, CA (FHA|USDA|VA) 14 $1,630,000 $116,429 $0 6.17%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 19 $1,565,000 $82,368 $0 6.10%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $1,560,000 $70,909 $5,925 5.71%
TULSA, OK (FHA|USDA|VA) 17 $1,535,000 $90,294 $0 6.20%
STOCKTON, CA (FHA|USDA|VA) 18 $1,490,000 $82,778 $0 6.76%
ROCHESTER, NY (FHA|USDA|VA) 23 $1,445,000 $62,826 $0 6.54%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 16 $1,410,000 $88,125 $0 6.38%
BEND, OR (FHA|USDA|VA) 16 $1,390,000 $86,875 $0 6.70%
BOISE CITY, ID (FHA|USDA|VA) 19 $1,365,000 $71,842 $0 5.91%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 21 $1,345,000 $64,048 $0 6.32%
JACKSON, MS (FHA|USDA|VA) 18 $1,330,000 $73,889 $0 6.21%
LAKE CHARLES, LA (FHA|USDA|VA) 19 $1,295,000 $68,158 $0 5.82%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 14 $1,240,000 $88,571 $0 6.61%
COLORADO SPRINGS, CO (FHA|USDA|VA) 15 $1,175,000 $78,333 $0 6.83%
ALBANY-LEBANON, OR (FHA|USDA|VA) 16 $1,170,000 $73,125 $0 6.99%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 17 $1,135,000 $66,765 $3,072 6.13%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 12 $1,110,000 $92,500 $0 5.88%
FRESNO, CA (FHA|USDA|VA) 17 $1,075,000 $63,235 $0 6.04%
MODESTO, CA (FHA|USDA|VA) 16 $1,070,000 $66,875 $0 6.21%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $1,025,000 $78,846 $7,472 6.22%
Kerrville, TX (FHA|USDA|VA) 14 $1,020,000 $72,857 $0 6.06%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 14 $1,020,000 $72,857 $0 6.20%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 10 $1,010,000 $101,000 $0 6.87%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 7 $1,005,000 $143,571 $0 6.14%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 10 $1,000,000 $100,000 $0 6.23%
Newport, OR (FHA|USDA|VA) 7 $925,000 $132,143 $0 7.27%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $915,000 $70,385 $0 5.80%
MEDFORD, OR (FHA|USDA|VA) 12 $910,000 $75,833 $0 6.35%
Outside of Metro Areas 11 $905,000 $82,273 $0 5.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $865,000 $78,636 $0 6.91%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 18 $840,000 $46,667 $0 6.43%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $835,000 $75,909 $0 6.80%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $820,000 $68,333 $4,983 6.05%
GRAND JUNCTION, CO (FHA|USDA|VA) 15 $815,000 $54,333 $0 6.33%
MONTGOMERY, AL (FHA|USDA|VA) 9 $785,000 $87,222 $0 5.21%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 10 $780,000 $78,000 $1,991 6.12%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $735,000 $105,000 $0 6.19%
VICTORIA, TX (FHA|USDA|VA) 9 $715,000 $79,444 $0 6.39%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 10 $710,000 $71,000 $0 6.14%
Roseburg, OR (FHA|USDA|VA) 8 $710,000 $88,750 $0 6.24%
Port Angeles, WA (FHA|USDA|VA) 6 $700,000 $116,667 $0 6.10%
READING, PA (FHA|USDA|VA) 9 $685,000 $76,111 $0 6.40%
Lake City, FL (FHA|USDA|VA) 10 $680,000 $68,000 $0 6.47%
UTICA-ROME, NY (FHA|USDA|VA) 9 $675,000 $75,000 $0 6.74%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $670,000 $111,667 $0 6.60%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $670,000 $67,000 $0 5.92%
GAINESVILLE, FL (FHA|USDA|VA) 7 $665,000 $95,000 $0 6.21%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $660,000 $110,000 $0 6.03%
BAKERSFIELD, CA (FHA|USDA|VA) 10 $660,000 $66,000 $0 6.73%
WALLA WALLA, WA (FHA|USDA|VA) 9 $655,000 $72,778 $0 6.73%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 11 $645,000 $58,636 $0 5.74%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $640,000 $64,000 $4,832 5.96%
BATON ROUGE, LA (FHA|USDA|VA) 10 $630,000 $63,000 $0 6.57%
SYRACUSE, NY (FHA|USDA|VA) 10 $630,000 $63,000 $0 6.44%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $630,000 $105,000 $0 5.68%
FLAGSTAFF, AZ (FHA|USDA|VA) 7 $625,000 $89,286 $0 7.23%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 7 $605,000 $86,429 $2,695 6.23%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $605,000 $86,429 $0 6.71%
BOULDER, CO (FHA|USDA|VA) 2 $590,000 $295,000 $11,322 4.85%
Morehead City, NC (FHA|USDA|VA) 10 $580,000 $58,000 $0 5.91%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $570,000 $71,250 $0 6.48%
MERCED, CA (FHA|USDA|VA) 6 $550,000 $91,667 $0 6.88%
London, KY (FHA|USDA|VA) 7 $545,000 $77,857 $0 6.73%
YAKIMA, WA (FHA|USDA|VA) 6 $540,000 $90,000 $0 5.60%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $525,000 $75,000 $5,483 6.05%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $520,000 $86,667 $0 6.67%
DOTHAN, AL (FHA|USDA|VA) 7 $515,000 $73,571 $0 6.31%
LONGVIEW, TX (FHA|USDA|VA) 6 $510,000 $85,000 $0 5.53%
Hudson, NY (FHA|USDA|VA) 6 $500,000 $83,333 $0 6.20%
Show Low, AZ (FHA|USDA|VA) 6 $480,000 $80,000 $0 7.62%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 11 $475,000 $43,182 $0 6.27%
CORVALLIS, OR (FHA|USDA|VA) 6 $470,000 $78,333 $0 6.55%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $465,000 $93,000 $0 6.44%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $465,000 $66,429 $0 6.37%
Brookhaven, MS (FHA|USDA|VA) 8 $460,000 $57,500 $0 6.10%
PITTSBURGH, PA (FHA|USDA|VA) 10 $460,000 $46,000 $0 5.95%
Huntsville, TX (FHA|USDA|VA) 5 $455,000 $91,000 $0 5.66%
HATTIESBURG, MS (FHA|USDA|VA) 6 $440,000 $73,333 $0 5.98%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $440,000 $73,333 $4,814 5.88%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 5 $435,000 $87,000 $7,071 6.02%
Centralia, WA (FHA|USDA|VA) 4 $430,000 $107,500 $0 6.75%
Meridian, MS (FHA|USDA|VA) 6 $430,000 $71,667 $0 6.37%
RENO, NV (FHA|USDA|VA) 7 $425,000 $60,714 $0 6.64%
Shelton, WA (FHA|USDA|VA) 5 $415,000 $83,000 $0 5.94%
Corsicana, TX (FHA|USDA|VA) 4 $410,000 $102,500 $0 6.70%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 5 $395,000 $79,000 $0 6.82%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $395,000 $79,000 $0 6.58%
CHICO, CA (FHA|USDA|VA) 6 $390,000 $65,000 $0 6.32%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 6 $380,000 $63,333 $0 7.13%
REDDING, CA (FHA|USDA|VA) 9 $365,000 $40,556 $0 6.40%
PANAMA CITY, FL (FHA|USDA|VA) 3 $365,000 $121,667 $3,457 5.97%
MONROE, LA (FHA|USDA|VA) 4 $360,000 $90,000 $0 6.10%
Brookings, OR (FHA|USDA|VA) 3 $355,000 $118,333 $0 5.90%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $350,000 $87,500 $0 6.20%
WENATCHEE, WA (FHA|USDA|VA) 3 $345,000 $115,000 $0 5.40%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $340,000 $56,667 $0 5.62%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $340,000 $56,667 $0 6.55%
Lufkin, TX (FHA|USDA|VA) 6 $340,000 $56,667 $0 5.42%
Moses Lake, WA (FHA|USDA|VA) 4 $330,000 $82,500 $0 6.18%
MADERA, CA (FHA|USDA|VA) 3 $325,000 $108,333 $0 7.17%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $325,000 $108,333 $0 6.73%
Eureka-Arcata, CA (FHA|USDA|VA) 6 $320,000 $53,333 $0 5.92%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $320,000 $53,333 $0 6.72%
BINGHAMTON, NY (FHA|USDA|VA) 4 $320,000 $80,000 $0 6.15%
HAMMOND, LA (FHA|USDA|VA) 4 $320,000 $80,000 $0 7.35%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $315,000 $105,000 $3,444 5.37%
Enterprise, AL (FHA|USDA|VA) 5 $315,000 $63,000 $0 6.24%
Cullman, AL (FHA|USDA|VA) 5 $315,000 $63,000 $0 5.44%
MIDLAND, TX (FHA|USDA|VA) 4 $310,000 $77,500 $0 5.95%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $305,000 $43,571 $0 6.04%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $305,000 $101,667 $0 7.43%
Fredericksburg, TX (FHA|USDA|VA) 4 $300,000 $75,000 $0 5.75%
BELLINGHAM, WA (FHA|USDA|VA) 3 $295,000 $98,333 $0 5.43%
DeRidder, LA (FHA|USDA|VA) 5 $295,000 $59,000 $0 5.96%
Jacksonville, TX (FHA|USDA|VA) 3 $295,000 $98,333 $0 5.73%
Port Lavaca, TX (FHA|USDA|VA) 5 $295,000 $59,000 $0 6.20%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $290,000 $48,333 $0 6.13%
LANCASTER, PA (FHA|USDA|VA) 7 $285,000 $40,714 $0 6.27%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $285,000 $57,000 $0 7.44%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $285,000 $95,000 $0 6.77%
LAFAYETTE, LA (FHA|USDA|VA) 5 $285,000 $57,000 $0 6.22%
LEBANON, PA (FHA|USDA|VA) 6 $280,000 $46,667 $0 6.25%
Rockport, TX (FHA|USDA|VA) 4 $270,000 $67,500 $0 7.13%
Auburn, NY (FHA|USDA|VA) 4 $270,000 $67,500 $0 6.98%
GRANTS PASS, OR (FHA|USDA|VA) 3 $265,000 $88,333 $0 6.67%
Thomasville, GA (FHA|USDA|VA) 3 $265,000 $88,333 $0 6.87%
LONGVIEW, WA (FHA|USDA|VA) 4 $260,000 $65,000 $0 6.55%
Sonora, CA (FHA|USDA|VA) 3 $255,000 $85,000 $0 7.20%
Ontario, OR-ID (FHA|USDA|VA) 3 $255,000 $85,000 $0 6.00%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $255,000 $85,000 $0 5.63%
YUBA CITY, CA (FHA|USDA|VA) 4 $250,000 $62,500 $0 6.35%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $250,000 $62,500 $0 5.80%
Beeville, TX (FHA|USDA|VA) 4 $250,000 $62,500 $0 6.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $250,000 $62,500 $0 5.90%
HOT SPRINGS, AR (FHA|USDA|VA) 3 $245,000 $81,667 $0 6.80%
Russellville, AR (FHA|USDA|VA) 3 $245,000 $81,667 $0 6.87%
MOBILE, AL (FHA|USDA|VA) 4 $240,000 $60,000 $0 5.88%
DECATUR, AL (FHA|USDA|VA) 4 $240,000 $60,000 $0 5.88%
Mineral Wells, TX (FHA|USDA|VA) 2 $240,000 $120,000 $0 5.85%
Athens, TX (FHA|USDA|VA) 3 $235,000 $78,333 $0 6.93%
Laurel, MS (FHA|USDA|VA) 3 $235,000 $78,333 $0 6.30%
Troy, AL (FHA|USDA|VA) 4 $230,000 $57,500 $0 5.80%
Brownwood, TX (FHA|USDA|VA) 4 $230,000 $57,500 $0 6.05%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $225,000 $75,000 $0 5.90%
Richmond-Berea, KY (FHA|USDA|VA) 3 $225,000 $75,000 $0 6.07%
LOUISVILLE, KY (FHA|USDA|VA) 3 $215,000 $71,667 $0 6.10%
ERIE, PA (FHA|USDA|VA) 3 $215,000 $71,667 $0 6.33%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $210,000 $105,000 $0 6.45%
MORGANTOWN, WV (FHA|USDA|VA) 4 $210,000 $52,500 $0 6.18%
Payson, AZ (FHA|USDA|VA) 4 $210,000 $52,500 $0 6.73%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $205,000 $68,333 $0 5.90%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $205,000 $68,333 $0 6.30%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $205,000 $68,333 $0 6.73%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 3 $205,000 $68,333 $0 6.37%
ODESSA, TX (FHA|USDA|VA) 3 $205,000 $68,333 $0 6.47%
Tahlequah, OK (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.75%
Sandpoint, ID (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.10%
ABILENE, TX (FHA|USDA|VA) 4 $200,000 $50,000 $0 5.45%
Fort Polk South, LA (FHA|USDA|VA) 4 $200,000 $50,000 $0 5.93%
Shawnee, OK (FHA|USDA|VA) 3 $195,000 $65,000 $0 6.43%
Searcy, AR (FHA|USDA|VA) 3 $195,000 $65,000 $0 5.50%
ITHACA, NY (FHA|USDA|VA) 3 $195,000 $65,000 $0 5.77%
Sunbury, PA (FHA|USDA|VA) 3 $195,000 $65,000 $0 7.50%
Nacogdoches, TX (FHA|USDA|VA) 2 $190,000 $95,000 $0 6.25%
OCALA, FL (FHA|USDA|VA) 2 $190,000 $95,000 $0 6.80%
Gillette, WY (FHA|USDA|VA) 2 $190,000 $95,000 $0 7.30%
Opelousas, LA (FHA|USDA|VA) 3 $185,000 $61,667 $0 5.70%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 3 $185,000 $61,667 $0 5.93%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $180,000 $90,000 $0 5.30%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.95%
DOVER, DE (FHA|USDA|VA) 2 $180,000 $90,000 $0 6.45%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.80%
SANTA FE, NM (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.30%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 3 $175,000 $58,333 $0 5.70%
LUBBOCK, TX (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.80%
McComb, MS (FHA|USDA|VA) 2 $170,000 $85,000 $0 6.90%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $170,000 $85,000 $7,959 5.50%
Jesup, GA (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.30%
Pullman, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.10%
Malvern, AR (FHA|USDA|VA) 3 $165,000 $55,000 $0 6.40%
GREELEY, CO (FHA|USDA|VA) 3 $165,000 $55,000 $0 6.43%
TYLER, TX (FHA|USDA|VA) 3 $165,000 $55,000 $0 5.67%
Ukiah, CA (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.25%
Natchez, MS-LA (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.35%
Oneonta, NY (FHA|USDA|VA) 2 $160,000 $80,000 $3,353 6.90%
Sevierville, TN (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.75%
Ardmore, OK (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.05%
LaGrange, GA-AL (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.05%
LAS CRUCES, NM (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.20%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $155,000 $51,667 $0 5.83%
Aberdeen, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.10%
CHARLESTON, WV (FHA|USDA|VA) 3 $155,000 $51,667 $0 6.37%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $155,000 $51,667 $0 6.53%
PINE BLUFF, AR (FHA|USDA|VA) 2 $150,000 $75,000 $0 7.15%
Batavia, NY (FHA|USDA|VA) 2 $150,000 $75,000 $0 5.15%
Aberdeen, SD (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.40%
Mountain Home, ID (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.50%
Bozeman, MT (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.40%
Poplar Bluff, MO (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.35%
ALEXANDRIA, LA (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.55%
ASHEVILLE, NC (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.95%
Olean, NY (FHA|USDA|VA) 2 $140,000 $70,000 $0 7.35%
FARMINGTON, NM (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.40%
Plattsburgh, NY (FHA|USDA|VA) 2 $140,000 $70,000 $0 7.30%
RACINE, WI (FHA|USDA|VA) 2 $140,000 $70,000 $0 5.65%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $140,000 $70,000 $0 6.30%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $135,000 $45,000 $0 5.70%
CaƱon City, CO (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.30%
Shelbyville, TN (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.95%
Alice, TX (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.70%
SAN ANGELO, TX (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.90%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.80%
SAVANNAH, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.00%
VISALIA, CA (FHA|USDA|VA) 3 $125,000 $41,667 $0 6.30%
Montrose, CO (FHA|USDA|VA) 3 $125,000 $41,667 $0 6.93%
PROVO-OREM, UT (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.40%
Kingsville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.50%
Duncan, OK (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.20%
Bardstown, KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
Orangeburg, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.80%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $120,000 $60,000 $0 5.85%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.35%
COLUMBIA, SC (FHA|USDA|VA) 2 $120,000 $60,000 $0 7.10%
GLENS FALLS, NY (FHA|USDA|VA) 2 $120,000 $60,000 $0 7.35%
McAlester, OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.30%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.90%
MORRISTOWN, TN (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.70%
TWIN FALLS, ID (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.30%
Minden, LA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.30%
Deming, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.10%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.20%
Somerset, KY (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.95%
Mexico, MO (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.60%
Albertville, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.80%
Andrews, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.90%
Coos Bay, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
Gloversville, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
Ozark, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.60%
Vidalia, GA (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.30%
Spirit Lake, IA (FHA|USDA|VA) 2 $100,000 $50,000 $0 5.30%
NEW BERN, NC (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.10%
VALDOSTA, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.00%
Athens, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.80%
Stephenville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.40%
Zanesville, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.30%
Paris, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.40%
Pecos, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.30%
Douglas, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.70%
Portsmouth, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.90%
Fort Payne, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.70%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.80%
El Dorado, AR (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.50%
Moscow, ID (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $90,000 $45,000 $0 6.80%
Union City, TN (FHA|USDA|VA) 2 $90,000 $45,000 $0 6.15%
Watertown, SD (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.00%
Cordele, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.90%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.50%
Plymouth, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.10%
Batesville, AR (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.30%
Forrest City, AR (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.40%
Red Bluff, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.40%
EspaƱola, NM (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.90%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.10%
COLUMBUS, OH (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.45%
Paragould, AR (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.45%
ROANOKE, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.70%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.50%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.70%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.40%
Picayune, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.70%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.00%
GADSDEN, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.00%
Fitzgerald, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.20%
Alamogordo, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.30%
Jackson, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.70%
Kinston, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.60%
Prineville, OR (FHA|USDA|VA) 2 $70,000 $35,000 $0 7.05%
MONROE, MI (FHA|USDA|VA) 2 $70,000 $35,000 $0 5.40%
Seneca Falls, NY (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.55%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $70,000 $35,000 $0 6.90%
Malone, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.90%
Bay City, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.00%
Hobbs, NM (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.90%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.70%
Pierre, SD (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.00%
Chillicothe, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.60%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.20%
Oak Harbor, WA (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.90%
ST. GEORGE, UT (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.70%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.90%
Cortland, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.30%
Crossville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
Eufaula, AL-GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.90%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.80%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.20%
Magnolia, AR (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.80%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.60%
Lumberton, NC (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.40%
WILMINGTON, NC (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.30%
Borger, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.30%
Mount Sterling, KY (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.75%
Jennings, LA (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.95%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $60,000 $30,000 $0 7.30%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $60,000 $30,000 $0 7.10%
BRUNSWICK, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.40%
Corning, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.90%
Greeneville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.20%
ALBANY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.10%
ROCKFORD, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.30%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.20%
Forest City, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.60%
Glasgow, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
St. Marys, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.90%
Glenwood Springs, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.10%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.30%
Levelland, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.80%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.30%
Helena, MT (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.10%
Snyder, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.90%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.90%
Eagle Pass, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.30%
GOLDSBORO, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.80%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.60%
Starkville, MS (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.00%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.40%
Las Vegas, NM (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.60%
Sturgis, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.90%
Fallon, NV (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.70%
Newberry, SC (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.80%
Durant, OK (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.10%
Danville, KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
Jasper, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.60%
Maysville, KY (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.80%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.70%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.80%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.70%
Celina, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.60%
El Campo, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.20%
Madison, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.40%
Washington, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.40%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.80%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.90%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.20%
Rock Springs, WY (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.50%
KINGSTON, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.80%
Georgetown, SC (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.30%
Alexander City, AL (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.20%
GETTYSBURG, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.70%
Mayfield, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.50%
Zapata, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.40%
LINCOLN, NE (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.60%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.10%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.50%
Credit Human Federal Credit Union's top markets include San Antonio, Los Angeles, San Jose, San Diego, and Phoenix among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Washington (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 4,002 $349,780,000 $87,401 $2,930 6.11%

    For 2020, Credit Human Federal Credit Union's most frequently originated type of loan was Conventional, with 4,002 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,883 $244,885,000 $84,941 $4,956 6.46%
    Refi 873 $85,745,000 $98,219 $4,354 5.33%
    Cash Out Refi 131 $13,105,000 $100,038 $1,660 4.91%
    Home Improvement 60 $2,730,000 $45,500 $507 4.23%
    Other 55 $3,315,000 $60,273 $561 4.89%

    For 2020, Credit Human Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 2,883 originations. The 2nd most popular reason was Refi, with 873 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 2,888 $256,570,000 $88,840 $2,261 6.43%
    15 Year 497 $37,775,000 $76,006 $2,713 5.36%
    Other 329 $24,895,000 $75,669 $2,323 5.75%
    10 Year 163 $9,295,000 $57,025 $529 5.57%
    30 Year 94 $20,420,000 $217,234 $5,135 2.89%
    5 Year 30 $760,000 $25,333 $390 4.41%
    3 Year 1 $65,000 $65,000 $401 4.00%

    For 2020, Credit Human Federal Credit Union's most frequently cited loan duration was 20 Year, with 2,888 originations. The 2nd most popular length was 15 Year, with 497 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 196 $13,830,000 $70,561
    $2k-3k 72 $12,320,000 $171,111
    $1k-2k 60 $6,140,000 $102,333
    $3k-4k 38 $9,360,000 $246,316
    $4k-5k 19 $4,815,000 $253,421
    $5k+ 11 $3,615,000 $328,636

    Credit Human Federal Credit Union's average total fees were $5,135, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 196 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,322 $115,720,000 $87,534
    5-6% 1,188 $95,830,000 $80,665
    7-8% 739 $62,075,000 $83,999
    4-5% 308 $19,680,000 $63,896
    Over 8% 145 $12,535,000 $86,448
    3-4% 122 $11,850,000 $97,131
    2.5-3% 90 $18,330,000 $203,667
    <2.5% 77 $12,565,000 $163,182

    During 2020, Credit Human Federal Credit Union's average interest rate for loans was 2.89%, while their most frequently originated rate bucket for loans was 6-7%, with 1,322 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,792 $167,290,000 $59,918 $1,107 6.19%
    $100k-200k 1,056 $140,500,000 $133,049 $3,987 6.08%
    $200k-400k 145 $37,835,000 $260,931 $6,013 4.86%
    $400k-600k 9 $4,155,000 $461,667 $7,365 3.82%

    2020 saw Credit Human Federal Credit Union place emphasis on $100,000 or less loans with 2,792 originations, totaling $167,290,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,392 $110,440,000 $79,339 $2,392 6.21%
    $50k or less 921 $52,525,000 $57,030 $1,904 6.13%
    $75k-100k 780 $76,410,000 $97,962 $3,118 6.15%
    $100k-150k 615 $68,985,000 $112,171 $3,247 5.99%
    $150k-250k 251 $33,475,000 $133,367 $4,397 5.67%
    $250k+ 42 $7,590,000 $180,714 $5,575 6.01%

    Credit Human Federal Credit Union lent most frequently to those with incomes in the $50k-75k range, with 1,392 originations. The second most popular income band? $50k or less, with 921 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,037 $91,145,000 $87,893 $3,283 5.98%
    30-36% 742 $62,980,000 $84,879 $2,842 6.10%
    <20% 695 $52,295,000 $75,245 $2,810 6.05%
    50-60% 166 $16,110,000 $97,048 $2,593 6.53%
    36% 141 $12,965,000 $91,950 $1,574 6.04%
    37% 132 $12,380,000 $93,788 $3,145 6.24%
    40% 117 $10,905,000 $93,205 $2,848 5.99%
    38% 115 $10,845,000 $94,304 $4,129 6.39%
    41% 109 $10,155,000 $93,165 $2,575 6.05%
    39% 108 $10,110,000 $93,611 $2,321 6.16%
    43% 100 $8,690,000 $86,900 $2,181 6.14%
    >60% 99 $9,195,000 $92,879 $0 6.63%
    44% 95 $8,565,000 $90,158 $1,844 6.04%
    42% 92 $8,670,000 $94,239 $3,706 6.09%
    45% 73 $6,345,000 $86,918 $3,106 6.13%
    46% 55 $5,245,000 $95,364 $2,555 6.26%
    47% 54 $5,810,000 $107,593 $4,133 6.12%
    49% 36 $3,610,000 $100,278 $0 6.40%
    48% 35 $3,405,000 $97,286 $5,145 6.42%

    Credit Human Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 1,037 originations. The next most common DTI ratio? 30-36%, with 742 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,362 $287,330,000 $85,464 $2,963 6.14%
    Not provided 446 $41,770,000 $93,655 $2,612 5.91%
    Black 92 $8,200,000 $89,130 $3,231 5.66%
    Asian 49 $5,805,000 $118,469 $2,099 6.23%
    American Indian 24 $2,730,000 $113,750 $4,211 5.85%
    Vietnamese 9 $1,455,000 $161,667 $0 6.72%
    Filipino 6 $660,000 $110,000 $0 6.53%
    Chinese 3 $465,000 $155,000 $0 6.53%
    Native Hawaiian or Islander 4 $430,000 $107,500 $619 6.08%
    Asian Indian 1 $265,000 $265,000 $6,515 3.13%
    Korean 2 $240,000 $120,000 $0 5.65%
    Other Asian 2 $230,000 $115,000 $0 7.60%
    2 $200,000 $100,000 $0 7.50%

    Approval Rates

    Total approvals of all applications
    41.84%

    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
    -21.21%

    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
    1000.0 2 $50,000 $25,000
    1001.25 1 $35,000 $35,000
    1006.09 1 $105,000 $105,000
    1036.0 1 $25,000 $25,000
    1040.31 1 $115,000 $115,000
    1057.26 1 $25,000 $25,000
    1073.6 1 $35,000 $35,000
    1088.0 1 $25,000 $25,000
    1090.0 1 $115,000 $115,000
    1113.9 1 $45,000 $45,000
    1114.72 1 $125,000 $125,000
    1119.95 1 $125,000 $125,000
    1120.0 1 $25,000 $25,000
    1126.15 1 $125,000 $125,000
    1129.95 1 $115,000 $115,000
    1135.97 1 $115,000 $115,000
    1160.0 2 $70,000 $35,000
    1170.34 1 $45,000 $45,000
    1174.5 1 $35,000 $35,000
    1182.0 1 $25,000 $25,000
    1198.01 1 $135,000 $135,000
    1199.0 3 $95,000 $31,667
    1200.0 2 $100,000 $50,000
    1213.5 1 $35,000 $35,000
    1219.0 1 $35,000 $35,000
    1225.26 1 $35,000 $35,000
    1260.51 1 $75,000 $75,000
    1280.0 1 $35,000 $35,000
    1299.0 1 $105,000 $105,000
    1315.0 1 $75,000 $75,000
    1319.0 1 $45,000 $45,000
    1347.88 1 $35,000 $35,000
    1356.0 1 $35,000 $35,000
    1360.0 2 $80,000 $40,000
    1372.8 2 $80,000 $40,000
    1392.66 1 $145,000 $145,000
    1396.0 1 $45,000 $45,000
    1399.0 1 $85,000 $85,000
    1399.2 1 $35,000 $35,000
    1400.0 2 $70,000 $35,000
    1419.87 1 $55,000 $55,000
    1422.5 1 $55,000 $55,000
    1434.59 1 $55,000 $55,000
    1440.0 1 $35,000 $35,000
    1444.0 1 $35,000 $35,000
    1468.64 1 $55,000 $55,000
    1475.0 1 $85,000 $85,000
    1476.0 1 $45,000 $45,000
    1499.0 2 $70,000 $35,000
    1516.0 1 $45,000 $45,000
    1523.96 1 $45,000 $45,000
    1530.0 1 $45,000 $45,000
    1535.96 1 $45,000 $45,000
    1540.5 1 $55,000 $55,000
    1549.92 1 $45,000 $45,000
    1558.0 1 $45,000 $45,000
    1560.36 1 $45,000 $45,000
    1565.4 1 $55,000 $55,000
    1578.0 1 $35,000 $35,000
    1580.0 1 $45,000 $45,000
    1583.0 1 $55,000 $55,000
    1598.64 1 $45,000 $45,000
    1599.0 3 $105,000 $35,000
    1600.0 1 $45,000 $45,000
    1602.0 1 $45,000 $45,000
    1634.95 1 $55,000 $55,000
    1636.0 1 $45,000 $45,000
    1637.31 1 $45,000 $45,000
    1650.0 1 $55,000 $55,000
    1656.0 1 $45,000 $45,000
    1674.0 1 $45,000 $45,000
    1678.99 1 $65,000 $65,000
    1680.0 2 $90,000 $45,000
    1694.0 1 $65,000 $65,000
    1699.0 1 $45,000 $45,000
    1700.0 2 $90,000 $45,000
    1701.0 1 $35,000 $35,000
    1710.0 1 $45,000 $45,000
    1721.5 1 $65,000 $65,000
    1740.0 1 $45,000 $45,000
    1749.64 1 $65,000 $65,000
    1754.78 1 $65,000 $65,000
    1756.0 1 $45,000 $45,000
    1771.0 1 $65,000 $65,000
    1778.86 1 $75,000 $75,000
    1789.0 1 $65,000 $65,000
    1792.9 1 $65,000 $65,000
    1800.0 3 $145,000 $48,333
    1816.0 1 $65,000 $65,000
    1820.0 1 $45,000 $45,000
    1823.39 1 $45,000 $45,000
    1823.7 1 $75,000 $75,000
    1836.0 1 $45,000 $45,000
    1837.26 1 $75,000 $75,000
    1838.3 1 $75,000 $75,000
    1851.6 1 $45,000 $45,000
    1860.0 1 $55,000 $55,000
    1883.0 1 $75,000 $75,000
    1896.0 1 $55,000 $55,000
    1908.0 1 $45,000 $45,000
    1916.0 2 $110,000 $55,000
    1916.2 1 $55,000 $55,000
    1924.0 1 $55,000 $55,000
    1929.0 1 $115,000 $115,000
    1936.48 1 $45,000 $45,000
    194.0 1 $25,000 $25,000
    1940.0 1 $55,000 $55,000
    1951.38 1 $75,000 $75,000
    1959.8 1 $45,000 $45,000
    1960.0 1 $55,000 $55,000
    1977.0 2 $130,000 $65,000
    1988.02 1 $55,000 $55,000
    1991.0 1 $45,000 $45,000
    1997.0 1 $85,000 $85,000
    1999.0 1 $45,000 $45,000
    2012.0 1 $55,000 $55,000
    2016.16 1 $55,000 $55,000
    2028.0 1 $45,000 $45,000
    2031.4 1 $85,000 $85,000
    2044.0 1 $55,000 $55,000
    2049.0 1 $45,000 $45,000
    2054.8 1 $55,000 $55,000
    2059.0 1 $85,000 $85,000
    207.6 1 $25,000 $25,000
    2079.0 1 $85,000 $85,000
    2080.0 1 $55,000 $55,000
    2083.22 1 $45,000 $45,000
    2088.16 1 $55,000 $55,000
    2093.08 1 $85,000 $85,000
    2096.0 1 $55,000 $55,000
    2099.0 27 $1,785,000 $66,111
    2104.1 1 $85,000 $85,000
    2107.84 1 $55,000 $55,000
    2115.98 1 $85,000 $85,000
    2119.8 1 $65,000 $65,000
    2128.0 1 $65,000 $65,000
    2129.16 1 $65,000 $65,000
    2130.4 1 $85,000 $85,000
    2160.0 1 $55,000 $55,000
    2172.0 1 $65,000 $65,000
    2176.0 1 $55,000 $55,000
    2178.93 1 $75,000 $75,000
    2179.0 1 $45,000 $45,000
    2182.48 1 $65,000 $65,000
    2183.0 1 $55,000 $55,000
    2185.0 1 $55,000 $55,000
    2231.8 1 $55,000 $55,000
    2234.56 1 $95,000 $95,000
    2240.0 1 $55,000 $55,000
    2244.24 1 $85,000 $85,000
    2248.0 1 $55,000 $55,000
    2268.42 1 $65,000 $65,000
    2280.0 1 $65,000 $65,000
    2298.9 1 $95,000 $95,000
    2310.0 1 $65,000 $65,000
    2320.0 1 $65,000 $65,000
    2348.8 1 $65,000 $65,000
    2348.9 1 $85,000 $85,000
    2349.8 1 $65,000 $65,000
    2356.0 1 $65,000 $65,000
    2369.0 1 $95,000 $95,000
    2388.0 3 $235,000 $78,333
    2397.08 1 $105,000 $105,000
    2399.0 32 $2,660,000 $83,125
    2414.0 1 $65,000 $65,000
    2419.0 1 $55,000 $55,000
    2419.55 1 $85,000 $85,000
    2440.0 1 $75,000 $75,000
    2450.0 1 $65,000 $65,000
    2470.0 1 $75,000 $75,000
    2484.0 1 $65,000 $65,000
    2485.5 1 $105,000 $105,000
    2497.5 1 $95,000 $95,000
    2523.6 1 $75,000 $75,000
    2533.0 1 $105,000 $105,000
    2557.94 1 $105,000 $105,000
    2568.96 1 $55,000 $55,000
    2591.8 1 $55,000 $55,000
    2598.24 1 $55,000 $55,000
    2639.98 1 $115,000 $115,000
    2642.8 1 $115,000 $115,000
    2647.0 1 $55,000 $55,000
    2669.48 1 $65,000 $65,000
    2700.0 1 $95,000 $95,000
    2701.12 1 $65,000 $65,000
    2707.0 1 $55,000 $55,000
    2717.82 1 $95,000 $95,000
    2730.0 1 $95,000 $95,000
    2736.6 1 $115,000 $115,000
    2740.36 1 $65,000 $65,000
    2744.28 1 $115,000 $115,000
    2752.6 1 $65,000 $65,000
    2786.08 1 $75,000 $75,000
    2796.0 1 $75,000 $75,000
    2805.52 1 $75,000 $75,000
    2828.6 1 $65,000 $65,000
    2831.6 1 $125,000 $125,000
    2835.0 1 $95,000 $95,000
    2850.0 1 $95,000 $95,000
    2932.8 1 $85,000 $85,000
    2942.76 1 $105,000 $105,000
    2952.0 1 $105,000 $105,000
    2960.84 1 $65,000 $65,000
    299.0 1 $45,000 $45,000
    2996.0 1 $85,000 $85,000
    3007.5 1 $105,000 $105,000
    3009.06 1 $135,000 $135,000
    3040.0 1 $85,000 $85,000
    3046.32 1 $85,000 $85,000
    3052.0 1 $145,000 $145,000
    3058.35 1 $105,000 $105,000
    3062.78 1 $135,000 $135,000
    3094.66 1 $75,000 $75,000
    3107.36 1 $135,000 $135,000
    3117.64 1 $75,000 $75,000
    3129.64 1 $85,000 $85,000
    3139.0 1 $75,000 $75,000
    3144.0 1 $105,000 $105,000
    3145.0 1 $75,000 $75,000
    3156.62 1 $145,000 $145,000
    3158.8 1 $75,000 $75,000
    3160.0 1 $85,000 $85,000
    3181.4 1 $145,000 $145,000
    3230.0 1 $85,000 $85,000
    3268.0 1 $85,000 $85,000
    3308.52 1 $145,000 $145,000
    3316.0 1 $95,000 $95,000
    3316.12 1 $85,000 $85,000
    3319.58 1 $155,000 $155,000
    3320.25 1 $115,000 $115,000
    3350.54 1 $145,000 $145,000
    3359.0 1 $75,000 $75,000
    3362.94 1 $115,000 $115,000
    3372.79 1 $125,000 $125,000
    3375.0 1 $115,000 $115,000
    3415.8 1 $95,000 $95,000
    3424.0 1 $85,000 $85,000
    3444.0 1 $95,000 $95,000
    3446.48 1 $75,000 $75,000
    3468.84 1 $105,000 $105,000
    3472.5 1 $155,000 $155,000
    3499.0 1 $105,000 $105,000
    3500.34 1 $155,000 $155,000
    3540.0 1 $95,000 $95,000
    3550.46 1 $105,000 $105,000
    3568.0 1 $95,000 $95,000
    3575.16 1 $95,000 $95,000
    3600.0 1 $125,000 $125,000
    3600.08 1 $85,000 $85,000
    3611.43 1 $125,000 $125,000
    3631.0 1 $85,000 $85,000
    3647.8 1 $95,000 $95,000
    365.45 1 $45,000 $45,000
    3655.4 1 $105,000 $105,000
    3667.6 1 $105,000 $105,000
    3672.0 1 $125,000 $125,000
    3708.0 1 $85,000 $85,000
    375.0 1 $45,000 $45,000
    3763.08 1 $95,000 $95,000
    3820.32 1 $175,000 $175,000
    3839.0 1 $95,000 $95,000
    3900.0 5 $685,000 $137,000
    3933.0 1 $105,000 $105,000
    3967.0 1 $95,000 $95,000
    3987.0 1 $95,000 $95,000
    4056.68 1 $95,000 $95,000
    4073.0 1 $95,000 $95,000
    4165.96 1 $115,000 $115,000
    4209.56 1 $105,000 $105,000
    4214.28 1 $155,000 $155,000
    4259.4 1 $105,000 $105,000
    4265.62 1 $95,000 $95,000
    4274.0 1 $105,000 $105,000
    4275.0 1 $145,000 $145,000
    4290.0 1 $95,000 $95,000
    4327.64 1 $165,000 $165,000
    4336.6 1 $115,000 $115,000
    4358.82 1 $105,000 $105,000
    4375.0 1 $105,000 $105,000
    4396.6 1 $105,000 $105,000
    4435.0 1 $115,000 $115,000
    4590.6 1 $115,000 $115,000
    4663.0 1 $115,000 $115,000
    4707.8 1 $115,000 $115,000
    4739.0 1 $115,000 $115,000
    4780.0 1 $115,000 $115,000
    4899.08 1 $115,000 $115,000
    4938.8 1 $125,000 $125,000
    4945.68 1 $125,000 $125,000
    496.2 1 $55,000 $55,000
    499.0 844 $60,760,000 $71,991
    503.0 1 $55,000 $55,000
    504.0 1 $55,000 $55,000
    509.4 1 $55,000 $55,000
    516.0 1 $55,000 $55,000
    524.0 1 $55,000 $55,000
    5459.0 1 $135,000 $135,000
    548.0 1 $45,000 $45,000
    5486.28 1 $135,000 $135,000
    549.0 1 $65,000 $65,000
    550.0 1 $65,000 $65,000
    5538.04 1 $135,000 $135,000
    556.5 1 $65,000 $65,000
    5599.0 1 $135,000 $135,000
    5609.0 1 $135,000 $135,000
    5734.83 1 $155,000 $155,000
    599.0 2 $70,000 $35,000
    5999.8 1 $175,000 $175,000
    604.25 1 $65,000 $65,000
    606.6 1 $65,000 $65,000
    6079.0 1 $145,000 $145,000
    611.1 1 $65,000 $65,000
    636.0 1 $15,000 $15,000
    6392.2 1 $165,000 $165,000
    640.45 1 $65,000 $65,000
    644.19 1 $25,000 $25,000
    6485.48 1 $175,000 $175,000
    659.78 1 $75,000 $75,000
    685.75 1 $75,000 $75,000
    6898.96 1 $175,000 $175,000
    700.0 1 $15,000 $15,000
    7194.96 1 $175,000 $175,000
    727.0 1 $75,000 $75,000
    729.0 1 $85,000 $85,000
    730.0 1 $75,000 $75,000
    7461.37 1 $195,000 $195,000
    760.0 1 $25,000 $25,000
    771.2 1 $25,000 $25,000
    780.0 1 $25,000 $25,000
    79.0 1 $15,000 $15,000
    792.0 1 $25,000 $25,000
    798.0 1 $45,000 $45,000
    799.0 23 $1,445,000 $62,826
    805.74 1 $25,000 $25,000
    824.4 1 $25,000 $25,000
    828.9 1 $25,000 $25,000
    832.0 1 $25,000 $25,000
    835.56 1 $95,000 $95,000
    856.31 1 $95,000 $95,000
    860.08 1 $35,000 $35,000
    864.0 1 $85,000 $85,000
    890.29 1 $35,000 $35,000
    892.0 1 $25,000 $25,000
    916.0 2 $130,000 $65,000
    919.0 1 $105,000 $105,000
    950.0 1 $25,000 $25,000
    957.8 1 $25,000 $25,000
    960.0 4 $100,000 $25,000
    970.5 1 $35,000 $35,000
    NA 2,703 $255,315,000 $94,456

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $355,000 $355,000
    Single Family (1-4 Units):Manufactured 3,644 $303,450,000 $83,274
    Single Family (1-4 Units):Site-Built 357 $45,975,000 $128,782

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 273 $15,425,000 $56,502 $1,137 5.32%
    40-60% 580 $44,010,000 $75,879 $2,997 5.60%
    60-80% 1,213 $114,785,000 $94,629 $4,451 5.97%
    80-100% 1,821 $169,455,000 $93,056 $4,808 6.53%
    Over 100% 41 $3,605,000 $87,927 $3,457 6.81%
    Under 20% 73 $2,435,000 $33,356 $413 4.56%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Credit Plus Inc Conventional home mortgage Improper use of your report 1 50.0%
    Credit Plus Inc FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%