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 Other, 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.

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Originations

15

Origination Dollar Volume (All Markets)

$735,000

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) 15 $735,000 $49,000 $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 15 $735,000 $49,000 $0 0.00%

    For 2019, St. Pius X Church Fcu's most frequently originated type of loan was Conventional, with 15 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 4 $220,000 $55,000 $0 0.00%
    Refi 4 $150,000 $37,500 $0 0.00%
    Home Purchase 3 $195,000 $65,000 $0 0.00%
    Home Improvement 2 $40,000 $20,000 $0 0.00%
    Cash Out Refi 2 $130,000 $65,000 $0 0.00%

    For 2019, St. Pius X Church Fcu's most frequently cited loan purpose was Other, with 4 originations. The 2nd most popular reason was Refi, with 4 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 15 $735,000 $49,000 $0 0.00%

    For 2019, St. Pius X Church Fcu's most frequently cited loan duration was Other, with 15 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 14 $620,000 $44,286 $0 0.00%
    $100k-200k 1 $115,000 $115,000 $0 0.00%

    2019 saw St. Pius X Church Fcu place emphasis on $100,000 or less loans with 14 originations, totaling $620,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 5 $165,000 $33,000 $0 0.00%
    $100k-150k 4 $200,000 $50,000 $0 0.00%
    $50k-75k 3 $145,000 $48,333 $0 0.00%
    $75k-100k 2 $160,000 $80,000 $0 0.00%
    $150k-250k 1 $65,000 $65,000 $0 0.00%

    St. Pius X Church Fcu lent most frequently to those with incomes in the $50k or less range, with 5 originations. The second most popular income band? $100k-150k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 15 $735,000 $49,000 $0 0.00%

    St. Pius X Church Fcu lent most frequently to those with DTI ratios of Exempt%, with 15 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 12 $600,000 $50,000 $0 0.00%
    Not provided 1 $75,000 $75,000 $0 0.00%
    Black 2 $60,000 $30,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.24%

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

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 15 $735,000 $49,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 15 $735,000 $49,000