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. Their top markets by origination volume include: Santa Fe, Española, Taos, Las Vegas, and Albuquerque among others. We have data for 5 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 an average 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 | 7.46% | 4/28/24 |
| 30 Year Conventional Refi | 7.19% | 4/28/24 |
| 30 Year Cash-out Refi | 7.52% | 4/28/24 |
| 15 Year Conventional Refi | 7.76% | 4/28/24 |
| 15 Year Cash-out Refi | 7.76% | 4/28/24 |
| 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. | ||
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
99Origination Dollar Volume (All Markets)
$19,565,000Top 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 |
|---|---|---|---|---|---|
| SANTA FE, NM (FHA|USDA|VA) | 68 | $15,160,000 | $222,941 | $5,787 | 5.50% |
| Española, NM (FHA|USDA|VA) | 14 | $1,960,000 | $140,000 | $5,302 | 5.42% |
| Taos, NM (FHA|USDA|VA) | 8 | $950,000 | $118,750 | $4,058 | 5.91% |
| Las Vegas, NM (FHA|USDA|VA) | 6 | $870,000 | $145,000 | $4,586 | 5.60% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,734 | 5.84% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 99 | $19,565,000 | $197,626 | $5,535 | 5.54% |
For 2022, Guadalupe Credit Union's most frequently originated type of loan was Conventional, with 99 originations.
Loan Reason
For 2022, Guadalupe Credit Union's most frequently cited loan purpose was Refi, with 60 originations. The 2nd most popular reason was Home Purchase, with 32 originations.
Loan Duration/Length
For 2022, Guadalupe Credit Union's most frequently cited loan duration was 30 Year, with 58 originations. The 2nd most popular length was 10 Year, with 17 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 56 | $7,850,000 | $140,179 |
| $1k-2k | 35 | $9,185,000 | $262,429 |
| $2k-3k | 3 | $1,035,000 | $345,000 |
| $3k-4k | 1 | $655,000 | $655,000 |
Guadalupe Credit Union's average total fees were $6,002, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 56 originations.
Interest Rates
During 2022, Guadalupe Credit Union's average interest rate for loans was 5.91%, while their most frequently originated rate bucket for loans was 4-5%, with 29 originations.
Loan Sizing
2022 saw Guadalupe Credit Union place emphasis on $100k-200k loans with 41 originations, totaling $6,105,000 in origination value.
Applicant Income
Guadalupe Credit Union lent most frequently to those with incomes in the $50k-75k range, with 35 originations. The second most popular income band? $75k-100k, with 25 originations.
Applicant Debt to Income Ratio
Guadalupe Credit Union lent most frequently to those with DTI ratios of 30-36%, with 23 originations. The next most common DTI ratio? 20-30%, with 21 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 98 | $18,910,000 | $192,959 | $5,535 | 5.56% |
| Black | 1 | $655,000 | $655,000 | $5,522 | 3.55% |
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 |
|---|---|---|---|
| 200.0 | 1 | $25,000 | $25,000 |
| 3380.0 | 1 | $655,000 | $655,000 |
| NA | 97 | $18,885,000 | $194,691 |