Dugood Federal Credit Union Mortgage Rates, Fees & Info

Beaumont, TX

LEI: 549300TVVKZJG3FJDS34

Tax ID: 74-1470665

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

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Mortgage Data

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

    Dugood Federal Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Dugood Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Beaumont, Sacramento, Houston, and Tyler among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

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

    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.

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    Originations

    137

    Origination Dollar Volume (All Markets)

    $24,665,000

    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
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 113 $15,405,000 $136,327 $0 0.00%
    Outside of Metro Areas 16 $4,130,000 $258,125 $0 0.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $3,275,000 $3,275,000 $0 0.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $1,770,000 $295,000 $0 0.00%
    TYLER, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    Dugood Federal Credit Union's top markets include Beaumont, Sacramento, Houston, and Tyler among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 137 $24,665,000 $180,036 $0 0.00%

    For 2018, Dugood Federal Credit Union's most frequently originated type of loan was Conventional, with 137 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 78 $13,240,000 $169,744 $0 0.00%
    Home Purchase 42 $9,980,000 $237,619 $0 0.00%
    Home Improvement 10 $970,000 $97,000 $0 0.00%
    Other 7 $475,000 $67,857 $0 0.00%

    For 2018, Dugood Federal Credit Union's most frequently cited loan purpose was Refi, with 78 originations. The 2nd most popular reason was Home Purchase, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 137 $24,665,000 $180,036 $0 0.00%

    For 2018, Dugood Federal Credit Union's most frequently cited loan duration was Other, with 137 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 56 $7,610,000 $135,893 $0 0.00%
    $100,000 or less 51 $2,965,000 $58,137 $0 0.00%
    $200k-400k 27 $6,905,000 $255,741 $0 0.00%
    $1MM+ 2 $6,280,000 $3,140,000 $0 0.00%
    $600k-1MM 1 $905,000 $905,000 $0 0.00%

    2018 saw Dugood Federal Credit Union place emphasis on $100k-200k loans with 56 originations, totaling $7,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 38 $5,270,000 $138,684 $0 0.00%
    $75k-100k 29 $4,265,000 $147,069 $0 0.00%
    $50k-75k 28 $2,750,000 $98,214 $0 0.00%
    $50k or less 17 $1,035,000 $60,882 $0 0.00%
    $150k-250k 12 $2,550,000 $212,500 $0 0.00%
    $250k+ 4 $4,460,000 $1,115,000 $0 0.00%

    Dugood Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 38 originations. The second most popular income band? $75k-100k, with 29 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 137 $24,665,000 $180,036 $0 0.00%

    Dugood Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 137 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 92 $14,720,000 $160,000 $0 0.00%
    Not provided 36 $5,990,000 $166,389 $0 0.00%
    Not applicable 4 $3,570,000 $892,500 $0 0.00%
    Black 4 $340,000 $85,000 $0 0.00%
    Asian 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    81.48%

    Dugood Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    72.26%

    Dugood Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 137 $24,665,000 $180,036

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $245,000 $245,000
    Single Family (1-4 Units):Site-Built 136 $24,420,000 $179,559