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 Cash Out 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 average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
64Origination Dollar Volume (All Markets)
$6,150,000Top 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) | 55 | $5,235,000 | $95,182 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $900,000 | $112,500 | $0 | 0.00% |
| Farmington, 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 | 64 | $6,150,000 | $96,094 | $0 | 0.00% |
For 2022, Century Credit Union's most frequently originated type of loan was Conventional, with 64 originations.
Loan Reason
For 2022, Century Credit Union's most frequently cited loan purpose was Home Improvement, with 23 originations. The 2nd most popular reason was Cash Out Refi, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 64 | $6,150,000 | $96,094 | $0 | 0.00% |
For 2022, Century Credit Union's most frequently cited loan duration was Other, with 64 originations.
Loan Sizing
2022 saw Century Credit Union place emphasis on $100,000 or less loans with 39 originations, totaling $1,735,000 in origination value.
Applicant Income
Century Credit Union lent most frequently to those with incomes in the $100k-150k range, with 18 originations. The second most popular income band? $50k-75k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 64 | $6,150,000 | $96,094 | $0 | 0.00% |
Century Credit Union lent most frequently to those with DTI ratios of Exempt%, with 64 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 62 | $5,620,000 | $90,645 | $0 | 0.00% |
| Black | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Japanese | 1 | $205,000 | $205,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications81.91%
Century Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination87.50%
Century Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 64 | $6,150,000 | $96,094 |