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 Cash Out Refi and Refi loans. Uncle Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Stockton, Modesto, San Jose, and Sacramento among others. We have data for 12 markets. (Some data included below & more in-depth data is available with an active subscription.)Uncle Credit Union has an above average approval rate when compared to the average across all lenders. Uncle 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) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.19% | 12/16/24 |
| 30 Year Conventional Refi | 6.00% | 12/16/24 |
| 30 Year Cash-out Refi | 6.45% | 12/16/24 |
| 15 Year Conventional Purchase | 5.99% | 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. | ||
Uncle 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
209Origination Dollar Volume (All Markets)
$80,275,000Awards
UNCLE Credit Union - 2019
UNCLE Credit Union is a 2019 , due to their low .
For 2019, 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) | 90 | $46,330,000 | $514,778 | $4,047 | 3.67% |
| STOCKTON, CA (FHA|USDA|VA) | 92 | $26,070,000 | $283,370 | $3,504 | 3.69% |
| MODESTO, CA (FHA|USDA|VA) | 10 | $2,660,000 | $266,000 | $3,449 | 3.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $3,351 | 4.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,391 | 3.81% |
| Outside of Metro Areas | 4 | $960,000 | $240,000 | $4,041 | 3.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,748 | 3.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,375 | 3.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,369 | 3.88% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,907 | 3.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,133 | 3.50% |
| MERCED, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,689 | 3.38% |
Their top states include:
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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 |
|---|---|---|---|---|---|
| Conventional | 209 | $80,275,000 | $384,091 | $3,776 | 3.68% |
For 2019, Uncle Credit Union's most frequently originated type of loan was Conventional, with 209 originations.
Loan Reason
For 2019, Uncle Credit Union's most frequently cited loan purpose was Cash Out Refi, with 128 originations. The 2nd most popular reason was Refi, with 60 originations.
Loan Duration/Length
For 2019, Uncle Credit Union's most frequently cited loan duration was 30 Year, with 177 originations. The 2nd most popular length was 20 Year, with 23 originations.
Origination Fees/Closing Costs
Uncle Credit Union's average total fees were $3,851, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 128 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 145 | $51,825,000 | $357,414 |
| 4-5% | 46 | $22,530,000 | $489,783 |
| 2.5-3% | 16 | $4,670,000 | $291,875 |
| <2.5% | 2 | $1,250,000 | $625,000 |
During 2019, Uncle Credit Union's average interest rate for loans was 3.76%, while their most frequently originated rate bucket for loans was 3-4%, with 145 originations.
Loan Sizing
2019 saw Uncle Credit Union place emphasis on $200k-400k loans with 104 originations, totaling $31,710,000 in origination value.
Applicant Income
Uncle Credit Union lent most frequently to those with incomes in the $150k-250k range, with 66 originations. The second most popular income band? $100k-150k, with 53 originations.
Applicant Debt to Income Ratio
Uncle Credit Union lent most frequently to those with DTI ratios of 20-30%, with 62 originations. The next most common DTI ratio? 30-36%, with 39 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.52%
Uncle 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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 209 | $80,275,000 | $384,091 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 209 | $80,275,000 | $384,091 |