Century Credit Union Mortgage Rates, Fees & Info

Saint Louis, MO

LEI: 25490039MDCTJ7ZJ8204

Tax ID: 43-0704245

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Century Credit Union is a smaller credit union specializing in Home Improvement and Home Purchase loans. Century Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Marshall, and Farmington among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Century Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

    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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    Originations

    36

    Origination Dollar Volume (All Markets)

    $3,110,000

    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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 33 $2,955,000 $89,545 $0 0.00%
    Marshall, MO (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
    Farmington, MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Outside of Metro Areas 1 $45,000 $45,000 $0 0.00%
    Century Credit Union's top markets include St. Louis, Marshall, and Farmington among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 36 $3,110,000 $86,389 $0 0.00%

    For 2023, Century Credit Union's most frequently originated type of loan was Conventional, with 36 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 18 $730,000 $40,556 $0 0.00%
    Home Purchase 8 $1,530,000 $191,250 $0 0.00%
    Refi 5 $575,000 $115,000 $0 0.00%
    Other 3 $135,000 $45,000 $0 0.00%
    Cash Out Refi 2 $140,000 $70,000 $0 0.00%

    For 2023, Century Credit Union's most frequently cited loan purpose was Home Improvement, with 18 originations. The 2nd most popular reason was Home Purchase, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 36 $3,110,000 $86,389 $0 0.00%

    For 2023, Century Credit Union's most frequently cited loan duration was Other, with 36 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 28 $1,270,000 $45,357 $0 0.00%
    $200k-400k 4 $1,010,000 $252,500 $0 0.00%
    $100k-200k 3 $355,000 $118,333 $0 0.00%
    $400k-600k 1 $475,000 $475,000 $0 0.00%

    2023 saw Century Credit Union place emphasis on $100,000 or less loans with 28 originations, totaling $1,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 10 $840,000 $84,000 $0 0.00%
    $75k-100k 10 $1,000,000 $100,000 $0 0.00%
    $50k or less 9 $465,000 $51,667 $0 0.00%
    $50k-75k 4 $170,000 $42,500 $0 0.00%
    $100k-150k 2 $160,000 $80,000 $0 0.00%
    $250k+ 1 $475,000 $475,000 $0 0.00%

    Century Credit Union lent most frequently to those with incomes in the $150k-250k range, with 10 originations. The second most popular income band? $75k-100k, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 36 $3,110,000 $86,389 $0 0.00%

    Century Credit Union lent most frequently to those with DTI ratios of Exempt%, with 36 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 35 $2,795,000 $79,857 $0 0.00%
    Not applicable 1 $315,000 $315,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.92%

    Century 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
    94.44%

    Century Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 36 $3,110,000 $86,389

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    36 $3,110,000 $86,389