Uncle Credit Union Mortgage Rates, Fees & Info
Livermore,LEI: 8945004XZN3PZQZJW178
Tax ID: 94-1404327
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Mortgage Data
Review & Overview
Uncle Credit Union is a smaller credit union specializing in Home Improvement, Other, and Home Purchase loans. Uncle Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Stockton, Vallejo, Sacramento, and Modesto among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)Uncle 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 6.19% | 11/17/24 |
| 30 Year Conventional Refi | 6.00% | 11/17/24 |
| 30 Year Cash-out Refi | 6.45% | 11/17/24 |
| 15 Year Conventional Purchase | 5.99% | 11/17/24 |
| 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. | ||
Uncle Credit Union Mortgage Calculator
Your Estimates
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This is not an official calculator from Uncle 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
267Origination Dollar Volume (All Markets)
$45,755,000Relative Rate
Uncle Credit Union's average 30 year fixed mortgage rate was
6.49%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.01%.
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) | 130 | $27,320,000 | $210,154 | $0 | 7.21% |
| STOCKTON, CA (FHA|USDA|VA) | 97 | $12,715,000 | $131,082 | $0 | 7.35% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $0 | 8.12% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $0 | 7.12% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $670,000 | $83,750 | $0 | 7.68% |
| Outside of Metro Areas | 2 | $570,000 | $285,000 | $0 | 6.81% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 6.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $0 | 8.33% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 5.88% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 6.74% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.49% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 7.49% |
| MERCED, CA (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $0 | 7.49% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.24% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.49% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.24% |
| NAPA, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.24% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against UNCLE Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 234 | $30,710,000 | $131,239 | n/a | 7.43% |
| Conventional | 33 | $15,045,000 | $455,909 | $0 | 6.37% |
For 2023, Uncle Credit Union's most frequently originated type of loan was HELOC, with 234 originations. Their 2nd most popular type was Conventional, with 33 originations.
Loan Reason
For 2023, Uncle Credit Union's most frequently cited loan purpose was Home Improvement, with 125 originations. The 2nd most popular reason was Other, with 89 originations.
Loan Duration/Length
For 2023, Uncle Credit Union's most frequently cited loan duration was Other, with 234 originations. The 2nd most popular length was 30 Year, with 28 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 172 | $22,810,000 | $132,616 |
| 6-7% | 50 | $13,030,000 | $260,600 |
| Over 8% | 22 | $3,350,000 | $152,273 |
| 5-6% | 20 | $5,370,000 | $268,500 |
| 4-5% | 1 | $235,000 | $235,000 |
During 2023, Uncle Credit Union's average interest rate for loans was 6.49%, while their most frequently originated rate bucket for loans was 7-8%, with 172 originations.
Loan Sizing
2023 saw Uncle Credit Union place emphasis on $100,000 or less loans with 101 originations, totaling $5,875,000 in origination value.
Applicant Income
Uncle Credit Union lent most frequently to those with incomes in the $150k-250k range, with 76 originations. The second most popular income band? $100k-150k, with 74 originations.
Applicant Debt to Income Ratio
Uncle Credit Union lent most frequently to those with DTI ratios of 50-60%, with 46 originations. The next most common DTI ratio? 30-36%, with 40 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications72.67%
Uncle Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination68.16%
Uncle 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 | 267 | $45,755,000 | $171,367 |