Greenstate Credit Union Mortgage Rates, Fees & Info

North Liberty, IA

LEI: 549300W4FT4H1UWPGU95

Tax ID: 42-0804594

5 stars - Updated: 5/27/24 - out of 5 stars, based on 111 reviews

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

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Mortgage Data

Review & Overview

Greenstate Credit Union is a small credit union specializing in Home Purchase loans. Greenstate Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Des Moines, Iowa City, Cedar Rapids, and Davenport among others. We have data for 201 markets. (Some data included below & more in-depth data is available with an active subscription.)

Greenstate 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. Greenstate 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
Home Equity Line of Credit (HELOC) 6.27% 5/27/24
30 Year Conventional Purchase 6.50% 5/27/24
30 Year Conventional Refi 6.47% 5/27/24
30 Year Cash-out Refi 6.71% 5/27/24
30 Year FHA Purchase 6.98% 5/27/24
30 Year FHA Refi 6.27% 5/27/24
30 Year VA Purchase 5.88% 5/27/24
30 Year USDA Purchase 6.01% 5/27/24
15 Year Conventional Purchase 6.58% 5/27/24
15 Year Conventional Refi 6.34% 5/27/24
15 Year Cash-out Refi 6.34% 5/27/24
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.

Greenstate Credit Union Mortgage Calculator






Your Estimates

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

This is not an official calculator from Greenstate 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

12,347

Origination Dollar Volume (All Markets)

$2,140,015,000
Show all (62) awards

Relative Rate

Greenstate Credit Union's average 30 year fixed mortgage rate was 6.45%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.03%.

Relative Fees (Closing Costs)

Greenstate Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $3,181.

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 $9,089.

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
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,937 $518,555,000 $267,710 $4,501 7.16%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2,399 $415,855,000 $173,345 $1,721 7.14%
IOWA CITY, IA (FHA|USDA|VA) 1,557 $254,135,000 $163,221 $1,442 7.03%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1,687 $223,935,000 $132,742 $1,700 7.12%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 833 $119,855,000 $143,884 $1,792 7.02%
Outside of Metro Areas 870 $110,240,000 $126,713 $1,759 7.11%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 742 $108,500,000 $146,226 $1,610 7.04%
ROCKFORD, IL (FHA|USDA|VA) 627 $95,825,000 $152,831 $3,326 6.88%
DUBUQUE, IA (FHA|USDA|VA) 282 $55,400,000 $196,454 $2,256 6.77%
AMES, IA (FHA|USDA|VA) 113 $17,895,000 $158,363 $1,909 7.24%
Fort Dodge, IA (FHA|USDA|VA) 118 $12,400,000 $105,085 $1,527 6.98%
Muscatine, IA (FHA|USDA|VA) 88 $10,520,000 $119,545 $1,796 7.21%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 20 $9,140,000 $457,000 $5,290 6.49%
Freeport, IL (FHA|USDA|VA) 84 $8,720,000 $103,810 $3,131 6.98%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 111 $7,055,000 $63,559 $2,487 9.37%
Rochelle, IL (FHA|USDA|VA) 42 $6,850,000 $163,095 $3,024 6.86%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 11 $6,195,000 $563,182 $6,962 7.01%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 21 $5,865,000 $279,286 $2,481 6.53%
Clinton, IA (FHA|USDA|VA) 41 $5,685,000 $138,659 $1,832 6.92%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 35 $5,115,000 $146,143 $2,456 8.27%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 21 $4,195,000 $199,762 $4,201 6.64%
NILES, MI (FHA|USDA|VA) 15 $3,825,000 $255,000 $2,333 7.70%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 41 $3,825,000 $93,293 $5,409 9.55%
Mason City, IA (FHA|USDA|VA) 19 $3,805,000 $200,263 $1,605 7.08%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 14 $3,720,000 $265,714 $6,542 6.66%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $3,700,000 $925,000 $6,629 6.56%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 18 $3,630,000 $201,667 $2,420 7.56%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $3,625,000 $517,857 $4,258 6.30%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,590,000 $448,750 $5,967 6.83%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $3,415,000 $487,857 $6,485 6.80%
Whitewater, WI (FHA|USDA|VA) 15 $3,395,000 $226,333 $3,476 7.07%
Pella, IA (FHA|USDA|VA) 19 $3,295,000 $173,421 $1,739 6.92%
Marshalltown, IA (FHA|USDA|VA) 32 $2,920,000 $91,250 $1,618 7.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $2,675,000 $535,000 $4,314 7.32%
MADISON, WI (FHA|USDA|VA) 7 $2,555,000 $365,000 $2,537 7.09%
Sevierville, TN (FHA|USDA|VA) 5 $2,505,000 $501,000 $14,166 7.53%
Sterling, IL (FHA|USDA|VA) 19 $2,325,000 $122,368 $2,621 6.79%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $2,320,000 $1,160,000 $5,094 6.31%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $2,265,000 $453,000 $5,008 6.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $2,165,000 $196,818 $3,222 7.27%
Burlington, IA-IL (FHA|USDA|VA) 18 $2,160,000 $120,000 $1,830 6.90%
ANN ARBOR, MI (FHA|USDA|VA) 23 $2,115,000 $91,957 $0 9.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,935,000 $387,000 $7,040 6.87%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,910,000 $477,500 $4,105 6.59%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,845,000 $369,000 $8,362 6.25%
Oskaloosa, IA (FHA|USDA|VA) 19 $1,575,000 $82,895 $1,355 7.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,495,000 $498,333 $7,272 7.12%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,490,000 $372,500 $3,870 6.15%
Ottumwa, IA (FHA|USDA|VA) 12 $1,480,000 $123,333 $1,626 7.25%
PEORIA, IL (FHA|USDA|VA) 10 $1,370,000 $137,000 $3,085 7.39%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $1,365,000 $1,365,000 $8,523 6.88%
COLUMBUS, OH (FHA|USDA|VA) 10 $1,360,000 $136,000 $3,908 8.06%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,320,000 $660,000 $4,720 7.44%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 7 $1,285,000 $183,571 $1,529 7.02%
Ottawa, IL (FHA|USDA|VA) 9 $1,235,000 $137,222 $3,324 7.16%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $6,241 7.25%
Dixon, IL (FHA|USDA|VA) 7 $1,165,000 $166,429 $4,991 6.23%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $1,140,000 $570,000 $9,008 6.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4 $1,050,000 $262,500 $4,355 6.47%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,025,000 $341,667 $4,173 7.08%
Fairfield, IA (FHA|USDA|VA) 7 $1,025,000 $146,429 $1,672 7.67%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,929 6.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,010,000 $505,000 $6,661 6.06%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $1,000,000 $500,000 $5,172 6.75%
GREELEY, CO (FHA|USDA|VA) 2 $970,000 $485,000 $16,135 6.75%
Platteville, WI (FHA|USDA|VA) 7 $965,000 $137,857 $1,573 7.18%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $945,000 $189,000 $3,656 6.70%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $940,000 $470,000 $5,006 6.94%
Galesburg, IL (FHA|USDA|VA) 11 $925,000 $84,091 $1,581 7.15%
Spirit Lake, IA (FHA|USDA|VA) 7 $805,000 $115,000 $1,200 7.34%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $765,000 $153,000 $4,548 8.39%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $760,000 $380,000 $3,793 7.19%
AKRON, OH (FHA|USDA|VA) 3 $735,000 $245,000 $3,276 8.20%
LINCOLN, NE (FHA|USDA|VA) 2 $730,000 $365,000 $2,501 6.19%
Heber, UT (FHA|USDA|VA) 1 $725,000 $725,000 $7,405 6.75%
BILLINGS, MT (FHA|USDA|VA) 1 $725,000 $725,000 $4,487 7.62%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $725,000 $145,000 $5,015 8.49%
Spencer, IA (FHA|USDA|VA) 2 $720,000 $360,000 $4,577 7.19%
TULSA, OK (FHA|USDA|VA) 2 $700,000 $350,000 $5,012 5.75%
TOLEDO, OH (FHA|USDA|VA) 8 $680,000 $85,000 $3,196 8.65%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $670,000 $335,000 $5,716 6.44%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $635,000 $635,000 $5,787 6.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 10 $620,000 $62,000 $0 9.47%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $615,000 $615,000 $6,809 6.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $615,000 $615,000 $6,284 6.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $610,000 $101,667 $4,251 9.70%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $585,000 $195,000 $1,839 7.27%
Payson, AZ (FHA|USDA|VA) 1 $575,000 $575,000 $11,770 6.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $565,000 $565,000 $4,849 6.13%
PUEBLO, CO (FHA|USDA|VA) 2 $540,000 $270,000 $4,940 6.56%
SPRINGFIELD, IL (FHA|USDA|VA) 4 $520,000 $130,000 $2,039 7.12%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $515,000 $515,000 $0 6.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $505,000 $101,000 $4,482 9.29%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $495,000 $495,000 $0 8.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $485,000 $485,000 $2,968 7.00%
Storm Lake, IA (FHA|USDA|VA) 5 $475,000 $95,000 $873 8.14%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $465,000 $465,000 $4,918 6.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $450,000 $225,000 $3,510 6.56%
KANKAKEE, IL (FHA|USDA|VA) 4 $450,000 $112,500 $2,510 8.40%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $435,000 $435,000 $3,216 6.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,021 6.63%
ROCHESTER, NY (FHA|USDA|VA) 2 $420,000 $210,000 $3,177 6.63%
MANHATTAN, KS (FHA|USDA|VA) 1 $405,000 $405,000 $3,297 6.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $405,000 $405,000 $3,965 6.75%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 7 $405,000 $57,857 $1,436 7.58%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $405,000 $405,000 $4,659 7.99%
MORRISTOWN, TN (FHA|USDA|VA) 1 $405,000 $405,000 $4,097 6.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $400,000 $200,000 $5,460 7.06%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $395,000 $395,000 $4,241 5.38%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 8 $390,000 $48,750 $0 9.62%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $385,000 $385,000 $4,346 5.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 7 $385,000 $55,000 $1,300 9.28%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $385,000 $385,000 $0 6.50%
Mount Pleasant, MI (FHA|USDA|VA) 4 $380,000 $95,000 $0 8.09%
Hastings, NE (FHA|USDA|VA) 2 $370,000 $185,000 $1,172 6.25%
Ludington, MI (FHA|USDA|VA) 2 $370,000 $185,000 $3,966 7.38%
DECATUR, IL (FHA|USDA|VA) 2 $370,000 $185,000 $2,794 8.87%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $365,000 $365,000 $9,187 5.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $365,000 $365,000 $3,031 6.63%
WICHITA, KS (FHA|USDA|VA) 1 $365,000 $365,000 $10,938 6.38%
ANCHORAGE, AK (FHA|USDA|VA) 1 $365,000 $365,000 $4,388 7.38%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $345,000 $345,000 $4,485 6.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $345,000 $345,000 $4,140 6.49%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $335,000 $335,000 $3,373 7.25%
PANAMA CITY, FL (FHA|USDA|VA) 1 $335,000 $335,000 $4,930 8.12%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $325,000 $325,000 $9,980 7.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $325,000 $325,000 $4,162 6.49%
Winona, MN (FHA|USDA|VA) 2 $320,000 $160,000 $1,233 7.37%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,834 6.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,046 6.63%
Fremont, NE (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.49%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,001 6.50%
Menomonie, WI (FHA|USDA|VA) 4 $270,000 $67,500 $0 9.31%
PITTSBURGH, PA (FHA|USDA|VA) 1 $265,000 $265,000 $5,163 6.88%
Crossville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,588 5.88%
MOBILE, AL (FHA|USDA|VA) 1 $265,000 $265,000 $7,938 6.00%
APPLETON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $3,447 6.99%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $6,418 6.63%
Torrington, CT (FHA|USDA|VA) 1 $235,000 $235,000 $6,626 6.25%
Traverse City, MI (FHA|USDA|VA) 3 $235,000 $78,333 $0 8.74%
Somerset, KY (FHA|USDA|VA) 1 $235,000 $235,000 $4,469 7.63%
MONROE, MI (FHA|USDA|VA) 6 $230,000 $38,333 $0 9.78%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $225,000 $225,000 $3,021 6.38%
Effingham, IL (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.49%
HATTIESBURG, MS (FHA|USDA|VA) 1 $225,000 $225,000 $5,794 6.38%
Marinette, WI-MI (FHA|USDA|VA) 2 $220,000 $110,000 $1,721 7.19%
GREENVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,892 6.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,557 6.50%
RACINE, WI (FHA|USDA|VA) 2 $200,000 $100,000 $2,536 6.00%
Danville, VA (FHA|USDA|VA) 3 $195,000 $65,000 $0 7.29%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,065 5.88%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,305 5.88%
Holland, MI (FHA|USDA|VA) 5 $185,000 $37,000 $0 10.24%
Baraboo, WI (FHA|USDA|VA) 3 $185,000 $61,667 $0 9.82%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,330 6.88%
Spearfish, SD (FHA|USDA|VA) 1 $175,000 $175,000 $2,819 5.88%
Carroll, IA (FHA|USDA|VA) 1 $175,000 $175,000 $1,837 6.75%
COLUMBIA, MO (FHA|USDA|VA) 1 $175,000 $175,000 $1,721 7.63%
Coldwater, MI (FHA|USDA|VA) 3 $165,000 $55,000 $0 9.07%
CHEYENNE, WY (FHA|USDA|VA) 1 $165,000 $165,000 $2,021 6.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.50%
Borger, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,336 6.50%
ROCHESTER, MN (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.50%
FOND DU LAC, WI (FHA|USDA|VA) 2 $150,000 $75,000 $1,564 7.38%
Arcadia, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,377 7.99%
Sturgis, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,994 6.75%
Defiance, OH (FHA|USDA|VA) 3 $135,000 $45,000 $0 10.24%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $135,000 $135,000 $2,259 6.63%
Kirksville, MO (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.90%
Auburn, IN (FHA|USDA|VA) 5 $125,000 $25,000 $0 10.59%
LYNCHBURG, VA (FHA|USDA|VA) 1 $125,000 $125,000 $3,591 5.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,960 5.75%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $120,000 $60,000 $1,748 6.50%
FLINT, MI (FHA|USDA|VA) 3 $115,000 $38,333 $0 9.66%
GREEN BAY, WI (FHA|USDA|VA) 1 $105,000 $105,000 $4,486 5.99%
LOUISVILLE, KY (FHA|USDA|VA) 2 $100,000 $50,000 $0 9.74%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $100,000 $50,000 $0 9.99%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.74%
FORT WAYNE, IN (FHA|USDA|VA) 3 $95,000 $31,667 $0 10.99%
Sidney, OH (FHA|USDA|VA) 2 $90,000 $45,000 $0 8.99%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $85,000 $85,000 $3,400 5.88%
Marquette, MI (FHA|USDA|VA) 3 $85,000 $28,333 $0 10.49%
Martinsville, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.63%
Batesville, AR (FHA|USDA|VA) 1 $75,000 $75,000 $2,359 5.99%
KOKOMO, IN (FHA|USDA|VA) 3 $75,000 $25,000 $0 8.99%
Poplar Bluff, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,192 6.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,175 6.38%
Quincy, IL-MO (FHA|USDA|VA) 2 $70,000 $35,000 $400 9.73%
COLUMBUS, IN (FHA|USDA|VA) 2 $70,000 $35,000 $0 11.24%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.99%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.74%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.74%
Sandusky, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.99%
Hillsdale, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 10.99%
BAY CITY, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.99%
Stevens Point, WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 10.49%
Warsaw, IN (FHA|USDA|VA) 1 $35,000 $35,000 $0 10.99%
SAGINAW, MI (FHA|USDA|VA) 1 $25,000 $25,000 $0 9.99%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $25,000 $25,000 $0 8.74%
JACKSON, MI (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.74%
Angola, IN (FHA|USDA|VA) 1 $15,000 $15,000 $0 10.99%
Greenstate Credit Union's top markets include Chicago, Des Moines, Iowa City, Cedar Rapids, and Davenport among others.

Their top states include:
  • Iowa (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,295 $1,781,655,000 $191,679 $2,038 6.98%
    HELOC 2,385 $197,925,000 $82,987 n/a 8.02%
    FHA 465 $102,615,000 $220,677 $6,758 6.20%
    VA 180 $54,300,000 $301,667 $5,851 6.01%
    USDA 22 $3,520,000 $160,000 $3,766 6.23%

    For 2023, Greenstate Credit Union's most frequently originated type of loan was Conventional, with 9,295 originations. Their 2nd most popular type was HELOC, with 2,385 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8,084 $1,642,300,000 $203,154 $2,660 6.74%
    Home Improvement 1,344 $88,320,000 $65,714 $486 8.16%
    Cash Out Refi 1,163 $153,285,000 $131,801 $1,341 7.80%
    Refi 1,022 $191,600,000 $187,476 $1,350 7.30%
    Other 734 $64,510,000 $87,888 $541 8.31%

    For 2023, Greenstate Credit Union's most frequently cited loan purpose was Home Purchase, with 8,084 originations. The 2nd most popular reason was Home Improvement, with 1,344 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,545 $1,586,375,000 $242,380 $3,181 6.45%
    15 Year 2,841 $268,085,000 $94,363 $777 8.18%
    10 Year 1,282 $64,950,000 $50,663 $290 7.73%
    Other 953 $80,725,000 $84,706 $985 7.37%
    5 Year 500 $119,360,000 $238,720 $423 7.40%
    20 Year 224 $20,080,000 $89,643 $2,460 9.06%
    1 Year 2 $440,000 $220,000 $0 7.88%

    For 2023, Greenstate Credit Union's most frequently cited loan duration was 30 Year, with 6,545 originations. The 2nd most popular length was 15 Year, with 2,841 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 7,026 $1,131,720,000 $161,076
    $1k-2k 1,750 $507,680,000 $290,103
    $2k-3k 168 $57,210,000 $340,536
    $3k-4k 72 $27,560,000 $382,778
    $5k+ 54 $25,790,000 $477,593
    $4k-5k 48 $21,040,000 $438,333

    Greenstate Credit Union's average total fees were $3,181, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 7,026 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 5,057 $1,075,565,000 $212,688
    7-8% 2,973 $404,875,000 $136,184
    Over 8% 2,197 $140,165,000 $63,798
    5-6% 1,982 $467,000,000 $235,621
    4-5% 85 $26,895,000 $316,412
    3-4% 50 $25,390,000 $507,800
    <2.5% 1 $15,000 $15,000

    During 2023, Greenstate Credit Union's average interest rate for loans was 6.45%, while their most frequently originated rate bucket for loans was 6-7%, with 5,057 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 5,046 $248,820,000 $49,310 $707 7.91%
    $100k-200k 3,476 $511,530,000 $147,161 $2,421 6.71%
    $200k-400k 2,947 $811,135,000 $275,241 $3,337 6.56%
    $400k-600k 600 $286,540,000 $477,567 $4,111 6.44%
    $600k-1MM 228 $161,250,000 $707,237 $4,866 6.22%
    $1MM+ 50 $120,740,000 $2,414,800 $5,629 6.18%

    2023 saw Greenstate Credit Union place emphasis on $100,000 or less loans with 5,046 originations, totaling $248,820,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,899 $492,845,000 $170,005 $2,427 7.19%
    $50k-75k 2,747 $325,485,000 $118,487 $2,189 7.09%
    $75k-100k 2,250 $329,230,000 $146,324 $2,431 7.13%
    $150k-250k 2,004 $447,700,000 $223,403 $2,541 7.19%
    $50k or less 1,479 $121,785,000 $82,343 $1,902 7.15%
    $250k+ 902 $331,720,000 $367,761 $2,970 7.06%

    Greenstate Credit Union lent most frequently to those with incomes in the $100k-150k range, with 2,899 originations. The second most popular income band? $50k-75k, with 2,747 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,431 $374,065,000 $153,873 $2,082 7.18%
    30-36% 2,270 $382,630,000 $168,559 $2,223 7.15%
    <20% 860 $128,640,000 $149,581 $2,147 7.19%
    42% 584 $99,500,000 $170,377 $2,406 7.17%
    43% 581 $93,355,000 $160,680 $2,310 7.20%
    44% 573 $90,945,000 $158,717 $2,264 7.32%
    41% 538 $90,590,000 $168,383 $2,327 7.05%
    40% 504 $82,140,000 $162,976 $2,217 7.16%
    39% 476 $79,140,000 $166,261 $2,409 7.21%
    38% 474 $81,840,000 $172,658 $2,263 7.11%
    37% 470 $77,940,000 $165,830 $2,274 7.24%
    36% 449 $77,595,000 $172,817 $2,376 7.14%
    45% 432 $76,720,000 $177,593 $2,605 7.26%
    49% 352 $67,890,000 $192,869 $2,803 6.78%
    46% 324 $60,860,000 $187,840 $2,623 6.90%
    47% 317 $56,645,000 $178,691 $2,514 6.91%
    48% 301 $63,625,000 $211,379 $2,754 6.84%
    50-60% 301 $59,945,000 $199,153 $4,550 6.94%
    >60% 38 $4,300,000 $113,158 $1,006 7.62%

    Greenstate Credit Union lent most frequently to those with DTI ratios of 20-30%, with 2,431 originations. The next most common DTI ratio? 30-36%, with 2,270 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,367 $1,686,855,000 $162,714 $2,276 7.16%
    Not provided 996 $181,850,000 $182,580 $2,733 7.11%
    Not applicable 61 $89,815,000 $1,472,377 $0 6.63%
    Asian 358 $88,290,000 $246,620 $3,021 6.82%
    Black 446 $70,350,000 $157,735 $2,769 7.13%
    American Indian 76 $11,350,000 $149,342 $2,238 7.23%
    Asian Indian 23 $6,535,000 $284,130 $2,896 6.31%
    Chinese 2 $1,590,000 $795,000 $5,561 5.56%
    Native Hawaiian or Islander 8 $940,000 $117,500 $2,111 7.46%
    Other Asian 3 $885,000 $295,000 $3,578 6.21%
    Filipino 2 $600,000 $300,000 $1,913 6.00%
    Vietnamese 2 $590,000 $295,000 $3,671 5.38%
    Other Pacific Islander 2 $230,000 $115,000 $998 6.88%
    Samoan 1 $135,000 $135,000 $4,603 6.50%

    Approval Rates

    Total approvals of all applications
    91.19%

    Greenstate Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    71.08%

    Greenstate Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 366 $30,950,000 $84,563
    599.0 420 $23,900,000 $56,905
    NA 11,561 $2,085,165,000 $180,362

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    12,347 $2,140,015,000 $173,323

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2,021 $188,965,000 $93,501 $640 7.70%
    40-60% 932 $209,390,000 $224,667 $2,582 6.92%
    60-80% 2,808 $678,620,000 $241,674 $2,785 6.80%
    80-100% 3,791 $904,365,000 $238,556 $3,361 6.53%
    Over 100% 38 $40,460,000 $1,064,737 $11,327 6.13%
    Under 20% 2,757 $118,215,000 $42,878 $359 7.99%