One Community Federal Credit Union Mortgage Rates, Fees & Info
Parkersburg, WVLEI: 984500BCD760BG10F610
Tax ID: 55-0456615
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Mortgage Data
Review & Overview
One Community Federal Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. One Community Federal Credit Union has a high proportion of conventional loans. Their top (well, only) market is Parkersburg.One Community Federal 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.
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Originations
7Origination Dollar Volume (All Markets)
$585,000Top 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 |
|---|---|---|---|---|---|
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 7 | $585,000 | $83,571 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 7 | $585,000 | $83,571 | $0 | 0.00% |
For 2019, One Community Federal Credit Union's most frequently originated type of loan was Conventional, with 7 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 5 | $435,000 | $87,000 | $0 | 0.00% |
| Refi | 2 | $150,000 | $75,000 | $0 | 0.00% |
For 2019, One Community Federal Credit Union's most frequently cited loan purpose was Home Purchase, with 5 originations. The 2nd most popular reason was Refi, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 7 | $585,000 | $83,571 | $0 | 0.00% |
For 2019, One Community Federal Credit Union's most frequently cited loan duration was Other, with 7 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 5 | $325,000 | $65,000 | $0 | 0.00% |
| $100k-200k | 2 | $260,000 | $130,000 | $0 | 0.00% |
2019 saw One Community Federal Credit Union place emphasis on $100,000 or less loans with 5 originations, totaling $325,000 in origination value.
Applicant Income
One Community Federal Credit Union lent most frequently to those with incomes in the $50k-75k range, with 2 originations. The second most popular income band? $50k or less, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 7 | $585,000 | $83,571 | $0 | 0.00% |
One Community Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 7 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 7 | $585,000 | $83,571 | $0 | 0.00% |
Approval Rates
Total approvals of all applications88.89%
One Community Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination28.57%
One Community Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 7 | $585,000 | $83,571 |