St. Jean's Credit Union Mortgage Rates, Fees & Info

Lynn, MA

LEI: 549300UWBYWOAZYM9C07

Tax ID: 04-1801520

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    St. Jean's Credit Union is a smaller credit union specializing in Home Improvement, Cash Out Refi, and Home Purchase loans. St. Jean's Credit Union has a high proportion of conventional loans. Their top (well, only) market is Boston.

    St. Jean's Credit Union has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

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    Originations

    68

    Origination Dollar Volume (All Markets)

    $11,070,000

    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
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 68 $11,070,000 $162,794 $0 0.00%
    St. Jean's Credit Union's top markets include and Boston among others.

    Their top states include:
  • Massachusetts (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 68 $11,070,000 $162,794 $0 0.00%

    For 2024, St. Jean's Credit Union's most frequently originated type of loan was Conventional, with 68 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 30 $2,220,000 $74,000 $0 0.00%
    Cash Out Refi 22 $4,100,000 $186,364 $0 0.00%
    Home Purchase 8 $3,310,000 $413,750 $0 0.00%
    Other 4 $300,000 $75,000 $0 0.00%
    Refi 4 $1,140,000 $285,000 $0 0.00%

    For 2024, St. Jean's Credit Union's most frequently cited loan purpose was Home Improvement, with 30 originations. The 2nd most popular reason was Cash Out Refi, with 22 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 68 $11,070,000 $162,794 $0 0.00%

    For 2024, St. Jean's Credit Union's most frequently cited loan duration was Other, with 68 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 34 $1,870,000 $55,000 $0 0.00%
    $100k-200k 17 $2,345,000 $137,941 $0 0.00%
    $200k-400k 9 $2,585,000 $287,222 $0 0.00%
    $400k-600k 7 $3,515,000 $502,143 $0 0.00%
    $600k-1MM 1 $755,000 $755,000 $0 0.00%

    2024 saw St. Jean's Credit Union place emphasis on $100,000 or less loans with 34 originations, totaling $1,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 28 $4,460,000 $159,286 $0 0.00%
    $150k-250k 20 $3,310,000 $165,500 $0 0.00%
    $75k-100k 10 $1,730,000 $173,000 $0 0.00%
    $50k-75k 5 $205,000 $41,000 $0 0.00%
    $250k+ 4 $1,320,000 $330,000 $0 0.00%
    $50k or less 1 $45,000 $45,000 $0 0.00%

    St. Jean's Credit Union lent most frequently to those with incomes in the $100k-150k range, with 28 originations. The second most popular income band? $150k-250k, with 20 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 68 $11,070,000 $162,794 $0 0.00%

    St. Jean's Credit Union lent most frequently to those with DTI ratios of Exempt%, with 68 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 64 $10,640,000 $166,250 $0 0.00%
    Black 1 $155,000 $155,000 $0 0.00%
    Not provided 1 $145,000 $145,000 $0 0.00%
    Asian 1 $85,000 $85,000 $0 0.00%
    Native Hawaiian or Islander 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    83.33%

    St. Jean's Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    92.65%

    St. Jean's Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 68 $11,070,000 $162,794

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    68 $11,070,000 $162,794