St. Jean's Credit Union Mortgage Rates, Fees & Info
Lynn, MALEI: 549300UWBYWOAZYM9C07
Tax ID: 04-1801520
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
St. Jean's Credit Union is a smaller credit union specializing in Home Purchase and Cash Out Refi loans. St. Jean's Credit Union has a high proportion of conventional loans. Their top two markets are Boston and Manchester .St. Jean's Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
50Origination Dollar Volume (All Markets)
$8,910,000Top 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 |
|---|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 49 | $8,845,000 | $180,510 | $0 | 0.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 50 | $8,910,000 | $178,200 | $0 | 0.00% |
For 2023, St. Jean's Credit Union's most frequently originated type of loan was Conventional, with 50 originations.
Loan Reason
For 2023, St. Jean's Credit Union's most frequently cited loan purpose was Home Improvement, with 18 originations. The 2nd most popular reason was Other, with 11 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 50 | $8,910,000 | $178,200 | $0 | 0.00% |
For 2023, St. Jean's Credit Union's most frequently cited loan duration was Other, with 50 originations.
Loan Sizing
2023 saw St. Jean's Credit Union place emphasis on $100,000 or less loans with 25 originations, totaling $1,305,000 in origination value.
Applicant Income
St. Jean's Credit Union lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $150k-250k, with 11 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 50 | $8,910,000 | $178,200 | $0 | 0.00% |
St. Jean's Credit Union lent most frequently to those with DTI ratios of Exempt%, with 50 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.59%
St. Jean's Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.00%
St. Jean's Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 50 | $8,910,000 | $178,200 |