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 Refi and Home Purchase loans. Century Credit Union has a high proportion of conventional loans. Their top two markets are St. Louis and Farmington .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
63Origination Dollar Volume (All Markets)
$7,165,000Top 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) | 57 | $6,045,000 | $106,053 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $1,045,000 | $209,000 | $0 | 0.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 63 | $7,165,000 | $113,730 | $0 | 0.00% |
For 2021, Century Credit Union's most frequently originated type of loan was Conventional, with 63 originations.
Loan Reason
For 2021, Century Credit Union's most frequently cited loan purpose was Refi, with 30 originations. The 2nd most popular reason was Home Purchase, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 63 | $7,165,000 | $113,730 | $0 | 0.00% |
For 2021, Century Credit Union's most frequently cited loan duration was Other, with 63 originations.
Loan Sizing
2021 saw Century Credit Union place emphasis on $100,000 or less loans with 34 originations, totaling $1,960,000 in origination value.
Applicant Income
Century Credit Union lent most frequently to those with incomes in the $50k-75k range, with 14 originations. The second most popular income band? $100k-150k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 63 | $7,165,000 | $113,730 | $0 | 0.00% |
Century Credit Union lent most frequently to those with DTI ratios of Exempt%, with 63 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 63 | $7,165,000 | $113,730 | $0 | 0.00% |
Approval Rates
Total approvals of all applications91.03%
Century Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination98.41%
Century Credit Union has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 63 | $7,165,000 | $113,730 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CENTURY MORTGAGE COMPANY | VA mortgage | Trouble during payment process | 1 | 100.0% |