Century Heritage Fcu Mortgage Rates, Fees & Info
Pittsburgh, PALEI: 2549006MS554K1PP0026
Tax ID: 25-0979329
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Mortgage Data
Review & Overview
Century Heritage Fcu is a smaller credit union specializing in Home Improvement and Refi loans. Century Heritage Fcu has a high proportion of conventional loans. Their top two markets are Pittsburgh and Indiana .Century Heritage Fcu has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Refi | 5.68% | 4/19/24 |
| 15 Year Cash-out Refi | 5.68% | 4/19/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Century Heritage Fcu Mortgage Calculator
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Originations
63Origination Dollar Volume (All Markets)
$3,965,000Top 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 |
|---|---|---|---|---|---|
| PITTSBURGH, PA (FHA|USDA|VA) | 61 | $3,915,000 | $64,180 | $300 | 5.68% |
| Indiana, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.20% |
| Outside of Metro Areas | 1 | $25,000 | $25,000 | $0 | 5.45% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 63 | $3,965,000 | $62,937 | $300 | 5.67% |
For 2023, Century Heritage Fcu's most frequently originated type of loan was Conventional, with 63 originations.
Loan Reason
For 2023, Century Heritage Fcu's most frequently cited loan purpose was Home Improvement, with 31 originations. The 2nd most popular reason was Refi, with 16 originations.
Loan Duration/Length
For 2023, Century Heritage Fcu's most frequently cited loan duration was 10 Year, with 18 originations. The 2nd most popular length was 20 Year, with 16 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 37 | $2,295,000 | $62,027 |
| 6-7% | 12 | $920,000 | $76,667 |
| 4-5% | 11 | $605,000 | $55,000 |
| 7-8% | 3 | $145,000 | $48,333 |
During 2023, Century Heritage Fcu's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 37 originations.
Loan Sizing
2023 saw Century Heritage Fcu place emphasis on $100,000 or less loans with 54 originations, totaling $2,470,000 in origination value.
Applicant Income
Century Heritage Fcu lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $50k-75k, with 16 originations.
Applicant Debt to Income Ratio
Century Heritage Fcu lent most frequently to those with DTI ratios of 20-30%, with 15 originations. The next most common DTI ratio? <20%, with 14 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 59 | $3,785,000 | $64,153 | $300 | 5.67% |
| Not provided | 1 | $95,000 | $95,000 | $0 | 4.95% |
| Black | 3 | $85,000 | $28,333 | $0 | 5.93% |
Approval Rates
Total approvals of all applications88.16%
Century Heritage Fcu has an average approval rate.
Pick Rate
Approvals leading to origination93.65%
Century Heritage Fcu has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 63 | $3,965,000 | $62,937 |