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 and Other loans. Uncle Credit Union has an average proportion of conventional loans. Their top markets by origination volume include: San Francisco, Stockton, Sacramento, San Jose, and Los Angeles among others. We have data for 16 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 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
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
540Origination Dollar Volume (All Markets)
$111,710,000Top 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) | 273 | $65,135,000 | $238,590 | $0 | 3.40% |
| STOCKTON, CA (FHA|USDA|VA) | 169 | $26,385,000 | $156,124 | $0 | 3.52% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 20 | $4,640,000 | $232,000 | $0 | 3.78% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 15 | $3,865,000 | $257,667 | $0 | 3.56% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $2,720,000 | $194,286 | $0 | 3.90% |
| Outside of Metro Areas | 8 | $1,900,000 | $237,500 | $0 | 4.40% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $0 | 4.23% |
| MODESTO, CA (FHA|USDA|VA) | 16 | $1,610,000 | $100,625 | $0 | 3.38% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $0 | 4.43% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $0 | 5.38% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 2.82% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $0 | 4.14% |
| Sonora, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.99% |
| REDDING, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.24% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.74% |
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 | 512 | $97,240,000 | $189,922 | n/a | 3.41% |
| Conventional | 28 | $14,470,000 | $516,786 | $0 | 5.44% |
For 2022, Uncle Credit Union's most frequently originated type of loan was HELOC, with 512 originations. Their 2nd most popular type was Conventional, with 28 originations.
Loan Reason
For 2022, Uncle Credit Union's most frequently cited loan purpose was Home Improvement, with 264 originations. The 2nd most popular reason was Other, with 183 originations.
Loan Duration/Length
For 2022, Uncle Credit Union's most frequently cited loan duration was Other, with 487 originations. The 2nd most popular length was 30 Year, with 49 originations.
Interest Rates
During 2022, Uncle Credit Union's average interest rate for loans was 4.77%, while their most frequently originated rate bucket for loans was <2.5%, with 222 originations.
Loan Sizing
2022 saw Uncle Credit Union place emphasis on $100k-200k loans with 159 originations, totaling $20,745,000 in origination value.
Applicant Income
Uncle Credit Union lent most frequently to those with incomes in the $150k-250k range, with 173 originations. The second most popular income band? $250k+, with 141 originations.
Applicant Debt to Income Ratio
Uncle Credit Union lent most frequently to those with DTI ratios of 30-36%, with 92 originations. The next most common DTI ratio? 50-60%, with 84 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.84%
Uncle Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination75.56%
Uncle Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 540 | $111,710,000 | $206,870 |