St. Pius X Church Fcu Mortgage Rates, Fees & Info
Rochester, NYLEI: 549300U3EW900YTMU158
Tax ID: 16-1040794
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Mortgage Data
Review & Overview
St. Pius X Church Fcu is a smaller credit union specializing in Cash Out Refi and Home Purchase loans. St. Pius X Church Fcu has a high proportion of conventional loans. Their top (well, only) market is Rochester.St. Pius X Church Fcu 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
5Origination Dollar Volume (All Markets)
$255,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ROCHESTER, NY (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 5 | $255,000 | $51,000 | $0 | 0.00% |
For 2023, St. Pius X Church Fcu's most frequently originated type of loan was Conventional, with 5 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 3 | $85,000 | $28,333 | $0 | 0.00% |
| Home Purchase | 2 | $170,000 | $85,000 | $0 | 0.00% |
For 2023, St. Pius X Church Fcu's most frequently cited loan purpose was Cash Out Refi, with 3 originations. The 2nd most popular reason was Home Purchase, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 5 | $255,000 | $51,000 | $0 | 0.00% |
For 2023, St. Pius X Church Fcu's most frequently cited loan duration was Other, with 5 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 5 | $255,000 | $51,000 | $0 | 0.00% |
2023 saw St. Pius X Church Fcu place emphasis on $100,000 or less loans with 5 originations, totaling $255,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 2 | $100,000 | $50,000 | $0 | 0.00% |
| $75k-100k | 2 | $70,000 | $35,000 | $0 | 0.00% |
| $50k or less | 1 | $85,000 | $85,000 | $0 | 0.00% |
St. Pius X Church Fcu lent most frequently to those with incomes in the $50k-75k range, with 2 originations. The second most popular income band? $75k-100k, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 5 | $255,000 | $51,000 | $0 | 0.00% |
St. Pius X Church Fcu lent most frequently to those with DTI ratios of Exempt%, with 5 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 5 | $255,000 | $51,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications85.71%
St. Pius X Church Fcu has an average approval rate.
Pick Rate
Approvals leading to origination80.00%
St. Pius X Church Fcu has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 5 | $255,000 | $51,000 |