Campbell Employees Federal Credit Union Mortgage Rates, Fees & Info

Cherry Hill, NJ

LEI: 984500AE53C2CD1BA542

Tax ID: 21-0640968

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Mortgage Data

Review & Overview

Campbell Employees Federal Credit Union is a smaller credit union specializing in Other and Home Improvement loans. Campbell Employees Federal Credit Union has a high proportion of conventional loans. Their top two markets are Philadelphia and Toledo .

Campbell Employees Federal Credit Union has an above average approval rate when compared to the average across all lenders.

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Originations

5

Origination Dollar Volume (All Markets)

$215,000

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
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.78%
Outside of Metro Areas 2 $80,000 $40,000 $516 5.75%
TOLEDO, OH (FHA|USDA|VA) 1 $25,000 $25,000 $482 6.50%
Campbell Employees Federal Credit Union's top markets include Philadelphia and Toledo among others.

Their top states include:
  • New Jersey (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4 $180,000 $45,000 $499 5.89%
    HELOC 1 $35,000 $35,000 n/a 6.00%

    For 2023, Campbell Employees Federal Credit Union's most frequently originated type of loan was Conventional, with 4 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 3 $105,000 $35,000 $499 6.00%
    Home Improvement 2 $110,000 $55,000 $0 5.78%

    For 2023, Campbell Employees Federal Credit Union's most frequently cited loan purpose was Other, with 3 originations. The 2nd most popular reason was Home Improvement, with 2 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 3 $145,000 $48,333 $0 5.85%
    10 Year 1 $45,000 $45,000 $516 5.50%
    5 Year 1 $25,000 $25,000 $482 6.50%

    For 2023, Campbell Employees Federal Credit Union's most frequently cited loan duration was 15 Year, with 3 originations. The 2nd most popular length was 10 Year, with 1 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1 $25,000 $25,000

    Campbell Employees Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2 $80,000 $40,000
    6-7% 2 $100,000 $50,000
    4-5% 1 $35,000 $35,000

    During 2023, Campbell Employees Federal Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 2 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 5 $215,000 $43,000 $499 5.91%

    2023 saw Campbell Employees Federal Credit Union place emphasis on $100,000 or less loans with 5 originations, totaling $215,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4 $140,000 $35,000 $499 5.70%
    $50k or less 1 $75,000 $75,000 $0 6.75%

    Campbell Employees Federal Credit Union lent most frequently to those with incomes in the $50k-75k range, with 4 originations. The second most popular income band? $50k or less, with 1 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 3 $105,000 $35,000 $499 6.00%
    43% 1 $75,000 $75,000 $0 6.75%

    Campbell Employees Federal Credit Union lent most frequently to those with DTI ratios of <20%, with 3 originations. The next most common DTI ratio? 43%, with 1 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3 $105,000 $35,000 $499 6.00%
    Black 1 $75,000 $75,000 $0 6.75%
    Not provided 1 $35,000 $35,000 $0 4.80%

    Approval Rates

    Total approvals of all applications
    100.00%

    Campbell Employees Federal 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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5 $215,000 $43,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5 $215,000 $43,000

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2 $80,000 $40,000 $516 5.75%
    60-80% 2 $100,000 $50,000 $482 6.63%
    Under 20% 1 $35,000 $35,000 $0 4.80%