Century Credit Union Mortgage Rates, Fees & Info
Saint Louis, MOLEI: 25490039MDCTJ7ZJ8204
Tax ID: 43-0704245
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Mortgage Data
Review & Overview
Century Credit Union is a smaller credit union specializing in Home Improvement, Refi, and Home Purchase loans. Century Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Kennett, Poplar Bluff, and Cape Girardeau among others. We have data for 5 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.
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Originations
91Origination Dollar Volume (All Markets)
$7,675,000Top 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 84 | $7,140,000 | $85,000 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $370,000 | $92,500 | $0 | 0.00% |
| Kennett, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 91 | $7,675,000 | $84,341 | $0 | 0.00% |
For 2019, Century Credit Union's most frequently originated type of loan was Conventional, with 91 originations.
Loan Reason
For 2019, Century Credit Union's most frequently cited loan purpose was Home Improvement, with 49 originations. The 2nd most popular reason was Refi, with 18 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 91 | $7,675,000 | $84,341 | $0 | 0.00% |
For 2019, Century Credit Union's most frequently cited loan duration was Other, with 91 originations.
Loan Sizing
2019 saw Century Credit Union place emphasis on $100,000 or less loans with 65 originations, totaling $2,825,000 in origination value.
Applicant Income
Century Credit Union lent most frequently to those with incomes in the $50k-75k range, with 24 originations. The second most popular income band? $50k or less, with 19 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 91 | $7,675,000 | $84,341 | $0 | 0.00% |
Century Credit Union lent most frequently to those with DTI ratios of Exempt%, with 91 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 89 | $7,585,000 | $85,225 | $0 | 0.00% |
| Black | 2 | $90,000 | $45,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications94.74%
Century Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination94.51%
Century Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 91 | $7,675,000 | $84,341 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 91 | $7,675,000 | $84,341 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CENTERSTATE BANK CORPORATION | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| CENTERSTATE BANK CORPORATION | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |