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 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
15Origination Dollar Volume (All Markets)
$735,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ROCHESTER, NY (FHA|USDA|VA) | 15 | $735,000 | $49,000 | $0 | 0.00% |
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
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
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 applications88.24%
St. Pius X Church Fcu has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 15 | $735,000 | $49,000 |