Guadalupe Credit Union Mortgage Rates, Fees & Info
Santa Fe, NMLEI: 984500A4CD08CED38D66
Tax ID: 85-0153938
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Mortgage Data
Review & Overview
Guadalupe Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Guadalupe 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.) Their top markets by origination volume include: Santa Fe, Albuquerque, Taos, Española, and Las Vegas among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Guadalupe Credit Union has an above average approval rate when compared to the average across all lenders. Guadalupe Credit Union is typically a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.97% | 4/17/25 |
| 30 Year Conventional Refi | 8.03% | 4/17/25 |
| 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. | ||
Guadalupe 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
54Origination Dollar Volume (All Markets)
$8,360,000Relative Rate
Guadalupe Credit Union's average 30 year fixed mortgage rate was
8.3%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 1.75%.
Relative Fees (Closing Costs)
Guadalupe Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $17,185.
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 $8,356.
Top Markets
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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 |
|---|---|---|---|---|---|
| SANTA FE, NM (FHA|USDA|VA) | 35 | $5,965,000 | $170,429 | $11,533 | 8.15% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $6,060 | 7.83% |
| Taos, NM (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $5,812 | 8.92% |
| Española, NM (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $5,157 | 7.77% |
| Las Vegas, NM (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $4,122 | 8.27% |
| Outside of Metro Areas | 3 | $185,000 | $61,667 | $2,984 | 8.30% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against GUADALUPE 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 | 52 | $8,180,000 | $157,308 | $9,348 | 8.15% |
| FHA | 2 | $180,000 | $90,000 | $4,928 | 8.70% |
For 2024, Guadalupe Credit Union's most frequently originated type of loan was Conventional, with 52 originations. Their 2nd most popular type was FHA, with 2 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 35 | $4,115,000 | $117,571 | $4,398 | 8.21% |
| Home Purchase | 19 | $4,245,000 | $223,421 | $17,740 | 8.11% |
For 2024, Guadalupe Credit Union's most frequently cited loan purpose was Refi, with 35 originations. The 2nd most popular reason was Home Purchase, with 19 originations.
Loan Duration/Length
For 2024, Guadalupe Credit Union's most frequently cited loan duration was 10 Year, with 27 originations. The 2nd most popular length was 30 Year, with 22 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 35 | $3,215,000 | $91,857 |
| $1k-2k | 11 | $2,545,000 | $231,364 |
| $2k-3k | 5 | $2,135,000 | $427,000 |
Guadalupe Credit Union's average total fees were $17,185, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 35 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 36 | $6,630,000 | $184,167 |
| 7-8% | 14 | $1,300,000 | $92,857 |
| 6-7% | 4 | $430,000 | $107,500 |
During 2024, Guadalupe Credit Union's average interest rate for loans was 8.30%, while their most frequently originated rate bucket for loans was Over 8%, with 36 originations.
Loan Sizing
2024 saw Guadalupe Credit Union place emphasis on $100,000 or less loans with 22 originations, totaling $1,350,000 in origination value.
Applicant Income
Guadalupe Credit Union lent most frequently to those with incomes in the $50k-75k range, with 16 originations. The second most popular income band? $100k-150k, with 15 originations.
Applicant Debt to Income Ratio
Guadalupe Credit Union lent most frequently to those with DTI ratios of 30-36%, with 9 originations. The next most common DTI ratio? 50-60%, with 8 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Guadalupe 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 | 54 | $8,360,000 | $154,815 |