St. Pius X Church Fcu Mortgage Rates, Fees & Info
Rochester, NYLEI: 549300U3EW900YTMU158
Tax ID: 16-1040794
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
St. Pius X Church Fcu is a smaller credit union specializing in Refi and Home Purchase loans. St. Pius X Church Fcu has a high proportion of conventional loans. Their top markets by origination volume include: Rochester, Ithaca, and Buffalo among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)St. Pius X Church Fcu has an average approval rate when compared to the average across all lenders. They typically have about average rates.
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Originations
29Origination Dollar Volume (All Markets)
$2,035,000Top 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 |
|---|---|---|---|---|---|
| ROCHESTER, NY (FHA|USDA|VA) | 26 | $1,710,000 | $65,769 | $0 | 6.96% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.25% |
| Outside of Metro Areas | 1 | $35,000 | $35,000 | $0 | 6.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 29 | $2,035,000 | $70,172 | $0 | 6.93% |
For 2018, St. Pius X Church Fcu's most frequently originated type of loan was Conventional, with 29 originations.
Loan Reason
For 2018, St. Pius X Church Fcu's most frequently cited loan purpose was Refi, with 10 originations. The 2nd most popular reason was Home Purchase, with 6 originations.
Loan Duration/Length
For 2018, St. Pius X Church Fcu's most frequently cited loan duration was 15 Year, with 18 originations. The 2nd most popular length was 30 Year, with 6 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 22 | $800,000 | $36,364 |
| $5k+ | 4 | $760,000 | $190,000 |
| $1k-2k | 1 | $85,000 | $85,000 |
| $3k-4k | 1 | $125,000 | $125,000 |
| $4k-5k | 1 | $265,000 | $265,000 |
St. Pius X Church Fcu's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 22 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 10 | $390,000 | $39,000 |
| 6-7% | 7 | $245,000 | $35,000 |
| Over 8% | 5 | $165,000 | $33,000 |
| 4-5% | 4 | $620,000 | $155,000 |
| 5-6% | 3 | $615,000 | $205,000 |
During 2018, St. Pius X Church Fcu's average interest rate for loans was 4.92%, while their most frequently originated rate bucket for loans was 7-8%, with 10 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 22 | $780,000 | $35,455 | $0 | 7.39% |
| $100k-200k | 5 | $745,000 | $149,000 | $0 | 5.73% |
| $200k-400k | 2 | $510,000 | $255,000 | $0 | 4.88% |
2018 saw St. Pius X Church Fcu place emphasis on $100,000 or less loans with 22 originations, totaling $780,000 in origination value.
Applicant Income
St. Pius X Church Fcu lent most frequently to those with incomes in the $50k-75k range, with 8 originations. The second most popular income band? $50k or less, with 7 originations.
Applicant Debt to Income Ratio
St. Pius X Church Fcu lent most frequently to those with DTI ratios of 20-30%, with 7 originations. The next most common DTI ratio? 30-36%, with 6 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 27 | $1,835,000 | $67,963 | $0 | 6.91% |
| Black | 2 | $200,000 | $100,000 | $0 | 7.13% |
Approval Rates
Total approvals of all applications85.29%
St. Pius X Church Fcu has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 12934.0 | 1 | $165,000 | $165,000 |
| 195.0 | 22 | $800,000 | $36,364 |
| 1985.0 | 1 | $85,000 | $85,000 |
| 3677.36 | 1 | $125,000 | $125,000 |
| 4482.44 | 1 | $265,000 | $265,000 |
| 6113.26 | 1 | $195,000 | $195,000 |
| 7473.17 | 1 | $245,000 | $245,000 |
| 7785.0 | 1 | $155,000 | $155,000 |