United States Senate Federal Credit Union Mortgage Rates, Fees & Info

Alexandria, VA

LEI: 549300TULDV69V2XKY60

Tax ID: 53-0197042

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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

    United States Senate Federal Credit Union is a smaller credit union specializing in Home Improvement and Refi loans. United States Senate Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Riverside, Las Vegas, Miami, and Atlanta among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)

    United States Senate Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.67% 12/16/24
    30 Year Conventional Refi 6.27% 12/16/24
    15 Year Conventional Purchase 8.23% 12/16/24
    15 Year Conventional Refi 7.00% 12/16/24
    15 Year Cash-out Refi 7.00% 12/16/24
    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.

    United States Senate 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 United States Senate 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

    611

    Origination Dollar Volume (All Markets)

    $87,495,000

    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
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 208 $41,990,000 $201,875 $0 5.06%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 33 $3,105,000 $94,091 $0 5.89%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 25 $2,405,000 $96,200 $0 5.81%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $2,150,000 $134,375 $0 5.20%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 17 $2,115,000 $124,412 $0 5.66%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $1,910,000 $119,375 $0 5.69%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 18 $1,890,000 $105,000 $0 5.40%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 14 $1,790,000 $127,857 $0 5.25%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $1,625,000 $232,143 $0 4.84%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 11 $1,365,000 $124,091 $0 5.70%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $1,240,000 $206,667 $0 6.42%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 9 $1,205,000 $133,889 $0 5.52%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $1,200,000 $100,000 $0 5.64%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $1,150,000 $115,000 $0 5.57%
    JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,010,000 $168,333 $0 5.40%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $1,005,000 $143,571 $0 5.48%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $1,000,000 $250,000 $0 5.25%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $830,000 $207,500 $0 5.35%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $640,000 $160,000 $0 4.66%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $620,000 $310,000 $0 5.19%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $595,000 $198,333 $0 6.21%
    STOCKTON, CA (FHA|USDA|VA) 3 $515,000 $171,667 $0 5.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $515,000 $171,667 $0 5.58%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $490,000 $81,667 $0 5.61%
    Outside of Metro Areas 3 $445,000 $148,333 $0 3.38%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $440,000 $220,000 $0 6.25%
    SAVANNAH, GA (FHA|USDA|VA) 1 $435,000 $435,000 $0 3.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $430,000 $215,000 $0 3.56%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $420,000 $105,000 $0 5.79%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $410,000 $102,500 $0 5.19%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $400,000 $100,000 $0 5.29%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $395,000 $131,667 $0 5.46%
    TALLAHASSEE, FL (FHA|USDA|VA) 4 $370,000 $92,500 $0 5.31%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $365,000 $121,667 $0 6.42%
    Heber, UT (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.13%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $350,000 $58,333 $0 6.69%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 5 $305,000 $61,000 $0 6.10%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 6 $300,000 $50,000 $0 5.65%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.32%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.50%
    Pottsville, PA (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $265,000 $88,333 $0 5.88%
    Brookings, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $250,000 $125,000 $0 5.38%
    Lock Haven, PA (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.88%
    STAUNTON, VA (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.75%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.75%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $235,000 $78,333 $0 5.25%
    Wilson, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.25%
    RENO, NV (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.38%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.75%
    GAINESVILLE, GA (FHA|USDA|VA) 2 $200,000 $100,000 $0 6.38%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.13%
    Plattsburgh, NY (FHA|USDA|VA) 3 $185,000 $61,667 $0 6.63%
    FRESNO, CA (FHA|USDA|VA) 3 $175,000 $58,333 $0 5.84%
    VALLEJO, CA (FHA|USDA|VA) 2 $160,000 $80,000 $0 6.32%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $160,000 $80,000 $0 5.44%
    VISALIA, CA (FHA|USDA|VA) 4 $160,000 $40,000 $0 7.38%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $150,000 $75,000 $0 7.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.00%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $140,000 $70,000 $435 4.75%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.38%
    MADERA, CA (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.13%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $130,000 $65,000 $0 5.13%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.13%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.32%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $105,000 $35,000 $0 5.84%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.19%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.19%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $100,000 $50,000 $0 6.19%
    TUCSON, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.38%
    BOULDER, CO (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $95,000 $31,667 $0 5.42%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $90,000 $45,000 $0 6.32%
    Brevard, NC (FHA|USDA|VA) 2 $90,000 $45,000 $0 5.32%
    Easton, MD (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.38%
    READING, PA (FHA|USDA|VA) 2 $80,000 $40,000 $0 6.13%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.75%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
    NILES, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
    Greenwood, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.75%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.75%
    CHARLESTON, WV (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $70,000 $35,000 $0 5.25%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.13%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.88%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.38%
    Steamboat Springs, CO (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.00%
    TULSA, OK (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.19%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $60,000 $30,000 $0 6.19%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    Greeneville, TN (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.50%
    COLUMBUS, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.38%
    BANGOR, ME (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.25%
    Torrington, CT (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.38%
    COLUMBIA, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.38%
    CLEVELAND, TN (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.25%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.75%
    Paragould, AR (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.38%
    COLUMBIA, MO (FHA|USDA|VA) 1 $35,000 $35,000 $435 5.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.38%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.88%
    DECATUR, IL (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.75%
    Sheridan, WY (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.13%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.25%
    JACKSON, MI (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.25%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.38%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.38%
    RICHMOND, VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.88%
    United States Senate Federal Credit Union's top markets include Washington, Riverside, Las Vegas, Miami, and Atlanta among others.

    Their top states include:
  • Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 536 $80,130,000 $149,496 $3 5.41%
    HELOC 75 $7,365,000 $98,200 n/a 5.64%

    For 2019, United States Senate Federal Credit Union's most frequently originated type of loan was Conventional, with 536 originations. Their 2nd most popular type was HELOC, with 75 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 260 $23,070,000 $88,731 $6 5.91%
    Other 138 $11,850,000 $85,870 $0 5.81%
    Refi 111 $19,985,000 $180,045 $0 4.99%
    Home Purchase 52 $16,960,000 $326,154 $0 4.19%
    Cash Out Refi 50 $15,630,000 $312,600 $0 4.22%

    For 2019, United States Senate Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 260 originations. The 2nd most popular reason was Other, with 138 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 233 $26,555,000 $113,970 $3 5.60%
    10 Year 144 $14,000,000 $97,222 $4 5.73%
    20 Year 120 $12,130,000 $101,083 $0 5.68%
    30 Year 99 $33,225,000 $335,606 $0 4.23%
    5 Year 14 $1,550,000 $110,714 $0 6.12%
    Other 1 $35,000 $35,000 $0 5.38%

    For 2019, United States Senate Federal Credit Union's most frequently cited loan duration was 15 Year, with 233 originations. The 2nd most popular length was 10 Year, with 144 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 106 $33,750,000 $318,396
    $1k-2k 9 $2,065,000 $229,444
    $2k-3k 3 $465,000 $155,000
    $3k-4k 3 $725,000 $241,667
    $5k+ 3 $2,185,000 $728,333
    $4k-5k 2 $720,000 $360,000

    United States Senate Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 106 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 326 $38,150,000 $117,025
    7-8% 92 $4,890,000 $53,152
    4-5% 91 $18,355,000 $201,703
    3-4% 70 $22,480,000 $321,143
    6-7% 16 $1,000,000 $62,500
    Over 8% 7 $355,000 $50,714
    2.5-3% 7 $1,925,000 $275,000
    <2.5% 1 $265,000 $265,000

    During 2019, United States Senate Federal Credit Union's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 5-6%, with 326 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 357 $19,995,000 $56,008 $4 5.96%
    $100k-200k 115 $16,085,000 $139,870 $0 4.99%
    $200k-400k 92 $25,710,000 $279,457 $0 4.48%
    $400k-600k 37 $17,435,000 $471,216 $0 4.38%
    $600k-1MM 7 $4,755,000 $679,286 $0 4.75%
    $1MM+ 3 $3,515,000 $1,171,667 $0 4.29%

    2019 saw United States Senate Federal Credit Union place emphasis on $100,000 or less loans with 357 originations, totaling $19,995,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 209 $29,905,000 $143,086 $0 5.55%
    $100k-150k 167 $19,725,000 $118,114 $5 5.53%
    $250k+ 129 $25,745,000 $199,574 $0 5.35%
    $75k-100k 55 $7,345,000 $133,545 $0 5.07%
    $50k-75k 39 $3,315,000 $85,000 $0 5.38%
    $50k or less 12 $1,460,000 $121,667 $87 4.90%

    United States Senate Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 209 originations. The second most popular income band? $100k-150k, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 167 $23,845,000 $142,784 $6 5.38%
    30-36% 126 $16,680,000 $132,381 $8 5.54%
    <20% 88 $13,810,000 $156,932 $0 5.13%
    50-60% 25 $3,355,000 $134,200 $0 5.42%
    41% 24 $3,250,000 $135,417 $0 5.78%
    38% 22 $3,980,000 $180,909 $0 5.38%
    39% 22 $3,180,000 $144,545 $0 5.46%
    37% 18 $1,880,000 $104,444 $0 5.81%
    40% 18 $3,060,000 $170,000 $0 5.47%
    43% 15 $1,615,000 $107,667 $0 5.56%
    47% 15 $2,985,000 $199,000 $0 5.12%
    36% 14 $1,620,000 $115,714 $0 6.11%
    42% 12 $1,750,000 $145,833 $0 5.68%
    44% 12 $2,250,000 $187,500 $0 5.25%
    46% 12 $1,290,000 $107,500 $0 5.24%
    45% 9 $1,285,000 $142,778 $0 5.36%
    48% 5 $395,000 $79,000 $0 6.08%
    49% 5 $605,000 $121,000 $0 5.75%
    >60% 2 $660,000 $330,000 $0 4.88%

    United States Senate Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 167 originations. The next most common DTI ratio? 30-36%, with 126 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 427 $61,585,000 $144,227 $5 5.41%
    Not provided 113 $15,685,000 $138,805 $0 5.52%
    Black 54 $6,800,000 $125,926 $0 5.47%
    Asian 14 $3,050,000 $217,857 $0 4.72%
    Native Hawaiian or Islander 2 $320,000 $160,000 $0 5.38%
    Filipino 1 $55,000 $55,000 $0 14.75%

    Approval Rates

    Total approvals of all applications
    97.63%

    United States Senate Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    85.43%

    United States Senate Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1012.49 1 $305,000 $305,000
    1026.52 1 $175,000 $175,000
    1048.01 1 $575,000 $575,000
    1054.82 1 $285,000 $285,000
    1058.24 1 $275,000 $275,000
    1058.99 1 $425,000 $425,000
    1066.01 1 $485,000 $485,000
    1074.6 1 $365,000 $365,000
    1079.99 1 $695,000 $695,000
    1081.24 1 $145,000 $145,000
    1084.01 1 $235,000 $235,000
    1088.48 3 $225,000 $75,000
    1092.5 1 $155,000 $155,000
    1097.45 1 $445,000 $445,000
    1099.0 1 $285,000 $285,000
    1102.68 1 $435,000 $435,000
    1120.04 1 $85,000 $85,000
    1122.48 1 $435,000 $435,000
    1132.49 1 $405,000 $405,000
    1134.29 1 $335,000 $335,000
    1138.0 1 $285,000 $285,000
    1139.4 1 $115,000 $115,000
    1155.74 1 $485,000 $485,000
    1161.5 1 $485,000 $485,000
    1162.25 1 $285,000 $285,000
    1172.39 1 $455,000 $455,000
    1178.0 1 $145,000 $145,000
    1178.32 1 $385,000 $385,000
    1185.26 1 $525,000 $525,000
    1186.0 1 $375,000 $375,000
    1187.19 1 $275,000 $275,000
    1192.32 1 $185,000 $185,000
    1199.4 1 $375,000 $375,000
    1202.36 1 $335,000 $335,000
    1229.75 1 $105,000 $105,000
    1231.75 1 $75,000 $75,000
    1256.24 1 $245,000 $245,000
    1262.0 1 $255,000 $255,000
    1267.34 1 $285,000 $285,000
    1268.66 1 $495,000 $495,000
    1282.32 1 $165,000 $165,000
    1282.94 1 $235,000 $235,000
    1316.48 1 $205,000 $205,000
    1319.21 1 $255,000 $255,000
    1332.44 1 $425,000 $425,000
    1337.48 1 $105,000 $105,000
    1339.46 1 $245,000 $245,000
    1340.0 1 $395,000 $395,000
    1342.66 1 $305,000 $305,000
    1344.68 1 $195,000 $195,000
    1357.35 1 $285,000 $285,000
    1367.74 1 $655,000 $655,000
    1373.87 1 $165,000 $165,000
    1380.32 1 $205,000 $205,000
    1392.13 1 $445,000 $445,000
    1412.75 1 $1,235,000 $1,235,000
    14185.34 1 $525,000 $525,000
    1420.36 1 $215,000 $215,000
    1429.81 1 $125,000 $125,000
    1445.64 1 $455,000 $455,000
    1458.6 1 $275,000 $275,000
    1471.81 1 $135,000 $135,000
    1493.0 1 $225,000 $225,000
    1493.51 1 $385,000 $385,000
    1496.26 1 $755,000 $755,000
    1510.65 1 $225,000 $225,000
    1519.0 1 $205,000 $205,000
    1519.4 1 $165,000 $165,000
    1534.65 1 $465,000 $465,000
    1547.53 1 $195,000 $195,000
    1574.0 1 $485,000 $485,000
    1600.19 1 $265,000 $265,000
    1678.4 1 $375,000 $375,000
    1692.29 1 $145,000 $145,000
    1700.24 1 $355,000 $355,000
    1766.9 1 $165,000 $165,000
    1802.42 1 $65,000 $65,000
    1805.0 1 $205,000 $205,000
    1811.94 1 $655,000 $655,000
    1846.87 1 $405,000 $405,000
    1862.69 1 $305,000 $305,000
    1910.79 1 $455,000 $455,000
    1912.49 1 $585,000 $585,000
    1918.2 1 $275,000 $275,000
    1920.01 1 $215,000 $215,000
    1953.04 1 $475,000 $475,000
    1988.02 1 $75,000 $75,000
    2052.5 1 $395,000 $395,000
    2077.7 1 $125,000 $125,000
    2116.46 1 $385,000 $385,000
    2168.28 1 $285,000 $285,000
    2231.31 1 $235,000 $235,000
    2403.14 1 $1,145,000 $1,145,000
    2425.45 1 $365,000 $365,000
    2612.51 1 $295,000 $295,000
    2620.24 1 $85,000 $85,000
    2623.22 1 $355,000 $355,000
    2703.49 1 $165,000 $165,000
    2932.97 1 $165,000 $165,000
    2988.25 1 $105,000 $105,000
    3109.0 1 $365,000 $365,000
    3331.04 1 $365,000 $365,000
    3374.99 1 $275,000 $275,000
    3550.32 1 $215,000 $215,000
    3685.25 1 $245,000 $245,000
    3694.04 1 $405,000 $405,000
    4642.25 1 $265,000 $265,000
    4727.34 1 $365,000 $365,000
    4978.32 1 $355,000 $355,000
    5651.96 1 $155,000 $155,000
    6988.67 1 $305,000 $305,000
    7202.72 1 $525,000 $525,000
    8062.5 1 $1,135,000 $1,135,000
    953.99 1 $365,000 $365,000
    959.5 1 $95,000 $95,000
    983.0 1 $95,000 $95,000
    983.99 1 $185,000 $185,000
    997.0 1 $125,000 $125,000
    NA 491 $49,235,000 $100,275

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 611 $87,495,000 $143,200

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 102 $13,310,000 $130,490 $0 5.51%
    40-60% 50 $10,440,000 $208,800 $0 4.69%
    60-80% 60 $20,260,000 $337,667 $0 4.59%
    80-100% 61 $20,015,000 $328,115 $0 4.19%
    Over 100% 3 $1,015,000 $338,333 $0 5.46%
    Under 20% 301 $18,805,000 $62,475 $5 5.91%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    United Shore Financial Services, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 6.1%
    United Shore Financial Services, LLC VA mortgage Trouble during payment process 1 3.0%
    United Shore Financial Services, LLC VA mortgage Closing on a mortgage 2 6.1%
    United Shore Financial Services, LLC VA mortgage Applying for a mortgage or refinancing an existing mortgage 4 12.1%
    United Shore Financial Services, LLC FHA mortgage Trouble during payment process 4 12.1%
    United Shore Financial Services, LLC FHA mortgage Closing on a mortgage 2 6.1%
    United Shore Financial Services, LLC Conventional home mortgage Trouble during payment process 15 45.5%
    United Shore Financial Services, LLC Conventional home mortgage Struggling to pay mortgage 2 6.1%
    United Shore Financial Services, LLC Conventional home mortgage Incorrect information on your report 1 3.0%