Century Credit Union Mortgage Rates, Fees & Info
Saint Louis, MOLEI: 25490039MDCTJ7ZJ8204
Tax ID: 43-0704245
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Century Credit Union is a smaller credit union specializing in Refi, Home Purchase, and Cash Out Refi loans. Century Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Farmington, Cape Girardeau, and Columbia 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
68Origination Dollar Volume (All Markets)
$7,800,000Top 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) | 61 | $7,415,000 | $121,557 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $210,000 | $52,500 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 68 | $7,800,000 | $114,706 | $0 | 0.00% |
For 2020, Century Credit Union's most frequently originated type of loan was Conventional, with 68 originations.
Loan Reason
For 2020, Century Credit Union's most frequently cited loan purpose was Home Improvement, with 25 originations. The 2nd most popular reason was Refi, with 17 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 68 | $7,800,000 | $114,706 | $0 | 0.00% |
For 2020, Century Credit Union's most frequently cited loan duration was Other, with 68 originations.
Loan Sizing
2020 saw Century Credit Union place emphasis on $100,000 or less loans with 34 originations, totaling $1,530,000 in origination value.
Applicant Income
Century Credit Union lent most frequently to those with incomes in the $100k-150k range, with 23 originations. The second most popular income band? $50k-75k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 68 | $7,800,000 | $114,706 | $0 | 0.00% |
Century Credit Union lent most frequently to those with DTI ratios of Exempt%, with 68 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 61 | $7,275,000 | $119,262 | $0 | 0.00% |
| Black | 6 | $460,000 | $76,667 | $0 | 0.00% |
| American Indian | 1 | $65,000 | $65,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications97.65%
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 origination91.18%
Century Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 68 | $7,800,000 | $114,706 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 68 | $7,800,000 | $114,706 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CENTERSTATE BANK CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| CENTERSTATE BANK CORPORATION | Conventional home mortgage | Trouble during payment process | 2 | 50.0% |
| CENTERSTATE BANK CORPORATION | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |