Campbell Employees Federal Credit Union Mortgage Rates, Fees & Info
Cherry Hill, NJLEI: 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 loans. Campbell Employees Federal Credit Union has a high proportion of conventional loans. Their top two markets are Philadelphia and New York .Campbell Employees Federal Credit Union has an above average approval rate when compared to the average across all lenders.
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Originations
5Origination Dollar Volume (All Markets)
$515,000Top 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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $330,000 | $82,500 | $0 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 5 | $515,000 | $103,000 | $0 | 4.40% |
For 2021, Campbell Employees Federal Credit Union's most frequently originated type of loan was Conventional, with 5 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Other | 4 | $480,000 | $120,000 | $0 | 4.50% |
| Home Improvement | 1 | $35,000 | $35,000 | $0 | 4.00% |
For 2021, Campbell Employees Federal Credit Union's most frequently cited loan purpose was Other, with 4 originations. The 2nd most popular reason was Home Improvement, with 1 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 10 Year | 2 | $190,000 | $95,000 | $0 | 4.50% |
| 5 Year | 2 | $140,000 | $70,000 | $0 | 4.00% |
| 15 Year | 1 | $185,000 | $185,000 | $0 | 5.00% |
For 2021, Campbell Employees Federal Credit Union's most frequently cited loan duration was 10 Year, with 2 originations. The 2nd most popular length was 5 Year, with 2 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 3 | $375,000 | $125,000 |
| 3-4% | 2 | $140,000 | $70,000 |
During 2021, Campbell Employees Federal Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 3 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 3 | $395,000 | $131,667 | $0 | 4.50% |
| $100,000 or less | 2 | $120,000 | $60,000 | $0 | 4.25% |
2021 saw Campbell Employees Federal Credit Union place emphasis on $100k-200k loans with 3 originations, totaling $395,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 4 | $480,000 | $120,000 | $0 | 4.50% |
| $150k-250k | 1 | $35,000 | $35,000 | $0 | 4.00% |
Campbell Employees Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 4 originations. The second most popular income band? $150k-250k, with 1 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| <20% | 1 | $85,000 | $85,000 | $0 | 4.50% |
Campbell Employees Federal Credit Union lent most frequently to those with DTI ratios of <20%, with 1 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 4 | $480,000 | $120,000 | $0 | 4.50% |
| Not provided | 1 | $35,000 | $35,000 | $0 | 4.00% |
Approval Rates
Total approvals of all applications100.00%
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 originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5 | $515,000 | $103,000 |