1st United Services Credit Union Mortgage Rates, Fees & Info
Pleasanton, CALEI: 549300YPSRX7HBRJSR08
Tax ID: 94-0335800
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Mortgage Data
Review & Overview
1st United Services Credit Union is a smaller credit union specializing in Refi and Cash Out Refi loans. 1st United Services Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Stockton, San Jose, Los Angeles, and Sacramento among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)1st United Services 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. 1st United Services 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.39% | 4/21/24 |
| 30 Year Conventional Purchase | 5.91% | 4/21/24 |
| 30 Year Conventional Refi | 6.10% | 4/21/24 |
| 30 Year Cash-out Refi | 5.97% | 4/21/24 |
| 15 Year Conventional Purchase | 5.55% | 4/21/24 |
| 15 Year Conventional Refi | 5.73% | 4/21/24 |
| 15 Year Cash-out Refi | 5.73% | 4/21/24 |
| 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. | ||
1st United Services Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
415Origination Dollar Volume (All Markets)
$118,605,000Awards
1ST UNITED SERVICES CREDIT UNION - 2021
1ST UNITED SERVICES CREDIT UNION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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 Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 325 | $96,325,000 | $296,385 | $1,617 | 3.09% |
| STOCKTON, CA (FHA|USDA|VA) | 37 | $8,575,000 | $231,757 | $1,266 | 3.34% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 8 | $2,950,000 | $368,750 | $2,634 | 3.11% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,970,000 | $985,000 | $5,562 | 3.24% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $1,740,000 | $174,000 | $1,168 | 2.94% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $5,261 | 3.15% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $2,572 | 2.93% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $1,388 | 3.22% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $825,000 | $117,857 | $925 | 3.29% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $1,281 | 3.33% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $2,371 | 2.86% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,118 | 3.90% |
| NAPA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,491 | 2.86% |
| Outside of Metro Areas | 1 | $275,000 | $275,000 | $2,686 | 2.86% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,054 | 2.88% |
| REDDING, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,356 | 2.86% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,116 | 3.60% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.60% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.99% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,362 | 2.86% |
| MERCED, CA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 2.79% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 415 | $118,605,000 | $285,795 | $1,605 | 3.12% |
For 2021, 1st United Services Credit Union's most frequently originated type of loan was Conventional, with 415 originations.
Loan Reason
For 2021, 1st United Services Credit Union's most frequently cited loan purpose was Refi, with 158 originations. The 2nd most popular reason was Cash Out Refi, with 115 originations.
Loan Duration/Length
For 2021, 1st United Services Credit Union's most frequently cited loan duration was 30 Year, with 196 originations. The 2nd most popular length was 15 Year, with 106 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 391 | $109,265,000 | $279,450 |
| $1k-2k | 22 | $7,950,000 | $361,364 |
1st United Services Credit Union's average total fees were $2,557, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 391 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 180 | $51,940,000 | $288,556 |
| 3-4% | 157 | $48,695,000 | $310,159 |
| <2.5% | 57 | $16,135,000 | $283,070 |
| 4-5% | 17 | $1,585,000 | $93,235 |
| 5-6% | 4 | $250,000 | $62,500 |
During 2021, 1st United Services Credit Union's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 180 originations.
Loan Sizing
2021 saw 1st United Services Credit Union place emphasis on $200k-400k loans with 126 originations, totaling $35,500,000 in origination value.
Applicant Income
1st United Services Credit Union lent most frequently to those with incomes in the $150k-250k range, with 134 originations. The second most popular income band? $100k-150k, with 114 originations.
Applicant Debt to Income Ratio
1st United Services Credit Union lent most frequently to those with DTI ratios of 20-30%, with 132 originations. The next most common DTI ratio? 30-36%, with 91 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.10%
1st United Services Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination41.20%
1st United Services 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 |
|---|---|---|---|
| NA | 415 | $118,605,000 | $285,795 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| STANDARD MORTGAGE CORPORATION | Conventional home mortgage | Struggling to pay mortgage | 1 | 16.7% |
| STANDARD MORTGAGE CORPORATION | Conventional home mortgage | Trouble during payment process | 1 | 16.7% |
| STANDARD MORTGAGE CORPORATION | FHA mortgage | Struggling to pay mortgage | 2 | 33.3% |
| STANDARD MORTGAGE CORPORATION | Other type of mortgage | Trouble during payment process | 2 | 33.3% |