St. Pius X Church Fcu Mortgage Rates, Fees & Info

Rochester, NY

LEI: 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

5

Origination Dollar Volume (All Markets)

$255,000

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
ROCHESTER, NY (FHA|USDA|VA) 5 $255,000 $51,000 $0 0.00%
St. Pius X Church Fcu's top markets include and Rochester among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • 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 applications
    85.71%

    St. Pius X Church Fcu has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.00%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5 $255,000 $51,000