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

Jump to:

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.

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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


Originations

68

Origination Dollar Volume (All Markets)

$7,800,000

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) 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%
Century Credit Union's top markets include St. Louis, Farmington, Cape Girardeau, and Columbia among others.

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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 25 $965,000 $38,600 $0 0.00%
    Refi 17 $2,065,000 $121,471 $0 0.00%
    Home Purchase 15 $3,185,000 $212,333 $0 0.00%
    Cash Out Refi 11 $1,585,000 $144,091 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 34 $1,530,000 $45,000 $0 0.00%
    $100k-200k 23 $3,355,000 $145,870 $0 0.00%
    $200k-400k 11 $2,915,000 $265,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 23 $2,715,000 $118,043 $0 0.00%
    $50k-75k 17 $2,045,000 $120,294 $0 0.00%
    $75k-100k 17 $1,915,000 $112,647 $0 0.00%
    $50k or less 7 $505,000 $72,143 $0 0.00%
    $150k-250k 4 $620,000 $155,000 $0 0.00%

    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 applications
    97.65%

    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 origination
    91.18%

    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%