St. Jean's Credit Union Mortgage Rates, Fees & Info
Lynn, MALEI: 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
Review & Overview
St. Jean's Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. St. Jean's Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Portland, and Manchester among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)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
107Origination Dollar Volume (All Markets)
$30,335,000Top 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) | 104 | $29,550,000 | $284,135 | $0 | 0.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 107 | $30,335,000 | $283,505 | $0 | 0.00% |
For 2021, St. Jean's Credit Union's most frequently originated type of loan was Conventional, with 107 originations.
Loan Reason
For 2021, St. Jean's Credit Union's most frequently cited loan purpose was Refi, with 43 originations. The 2nd most popular reason was Cash Out Refi, with 32 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 107 | $30,335,000 | $283,505 | $0 | 0.00% |
For 2021, St. Jean's Credit Union's most frequently cited loan duration was Other, with 107 originations.
Loan Sizing
2021 saw St. Jean's Credit Union place emphasis on $200k-400k loans with 57 originations, totaling $16,425,000 in origination value.
Applicant Income
St. Jean's Credit Union lent most frequently to those with incomes in the $100k-150k range, with 32 originations. The second most popular income band? $75k-100k, with 25 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 107 | $30,335,000 | $283,505 | $0 | 0.00% |
St. Jean's Credit Union lent most frequently to those with DTI ratios of Exempt%, with 107 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.55%
St. Jean's Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination93.46%
St. Jean's Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 107 | $30,335,000 | $283,505 |