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 Home Purchase and Refi loans. St. Pius X Church Fcu has a high proportion of conventional loans. Their top two markets are Rochester and Corning .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
31Origination Dollar Volume (All Markets)
$4,775,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ROCHESTER, NY (FHA|USDA|VA) | 28 | $3,890,000 | $138,929 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $600,000 | $300,000 | $0 | 0.00% |
| Corning, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 31 | $4,775,000 | $154,032 | $0 | 0.00% |
For 2020, St. Pius X Church Fcu's most frequently originated type of loan was Conventional, with 31 originations.
Loan Reason
For 2020, St. Pius X Church Fcu's most frequently cited loan purpose was Home Purchase, with 10 originations. The 2nd most popular reason was Refi, with 10 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 31 | $4,775,000 | $154,032 | $0 | 0.00% |
For 2020, St. Pius X Church Fcu's most frequently cited loan duration was Other, with 31 originations.
Loan Sizing
2020 saw St. Pius X Church Fcu place emphasis on $100,000 or less loans with 19 originations, totaling $945,000 in origination value.
Applicant Income
St. Pius X Church Fcu lent most frequently to those with incomes in the $150k-250k range, with 10 originations. The second most popular income band? $50k-75k, with 9 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 31 | $4,775,000 | $154,032 | $0 | 0.00% |
St. Pius X Church Fcu lent most frequently to those with DTI ratios of Exempt%, with 31 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 20 | $3,440,000 | $172,000 | $0 | 0.00% |
| Not provided | 11 | $1,335,000 | $121,364 | $0 | 0.00% |
Approval Rates
Total approvals of all applications88.37%
St. Pius X Church Fcu has an average approval rate.
Pick Rate
Approvals leading to origination87.10%
St. Pius X Church Fcu has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 31 | $4,775,000 | $154,032 |