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 Cash Out Refi and Refi loans. St. Jean's Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Boston, Manchester, Keene, and Portland among others. We have data for 4 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 a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    161

    Origination Dollar Volume (All Markets)

    $40,435,000

    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) 158 $39,680,000 $251,139 $0 0.00%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
    Keene, NH (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    St. Jean's Credit Union's top markets include Boston, Manchester, Keene, and Portland among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 160 $40,320,000 $252,000 $0 0.00%
    VA 1 $115,000 $115,000 $0 0.00%

    For 2020, St. Jean's Credit Union's most frequently originated type of loan was Conventional, with 160 originations. Their 2nd most popular type was VA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 64 $16,970,000 $265,156 $0 0.00%
    Refi 60 $16,190,000 $269,833 $0 0.00%
    Home Purchase 18 $5,830,000 $323,889 $0 0.00%
    Home Improvement 14 $1,240,000 $88,571 $0 0.00%
    Other 5 $205,000 $41,000 $0 0.00%

    For 2020, St. Jean's Credit Union's most frequently cited loan purpose was Cash Out Refi, with 64 originations. The 2nd most popular reason was Refi, with 60 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 161 $40,435,000 $251,149 $0 0.00%

    For 2020, St. Jean's Credit Union's most frequently cited loan duration was Other, with 161 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 77 $22,375,000 $290,584 $0 0.00%
    $100k-200k 41 $6,005,000 $146,463 $0 0.00%
    $400k-600k 21 $9,725,000 $463,095 $0 0.00%
    $100,000 or less 20 $1,000,000 $50,000 $0 0.00%
    $600k-1MM 2 $1,330,000 $665,000 $0 0.00%

    2020 saw St. Jean's Credit Union place emphasis on $200k-400k loans with 77 originations, totaling $22,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 45 $10,475,000 $232,778 $0 0.00%
    $100k-150k 38 $10,490,000 $276,053 $0 0.00%
    $150k-250k 28 $7,960,000 $284,286 $0 0.00%
    $50k-75k 28 $5,150,000 $183,929 $0 0.00%
    $50k or less 12 $1,530,000 $127,500 $0 0.00%
    $250k+ 10 $4,830,000 $483,000 $0 0.00%

    St. Jean's Credit Union lent most frequently to those with incomes in the $75k-100k range, with 45 originations. The second most popular income band? $100k-150k, with 38 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 161 $40,435,000 $251,149 $0 0.00%

    St. Jean's Credit Union lent most frequently to those with DTI ratios of Exempt%, with 161 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 139 $34,585,000 $248,813 $0 0.00%
    Not provided 11 $3,375,000 $306,818 $0 0.00%
    Black 9 $2,175,000 $241,667 $0 0.00%
    Asian 1 $265,000 $265,000 $0 0.00%
    American Indian 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.21%

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

    Pick Rate

    Approvals leading to origination
    88.20%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 161 $40,435,000 $251,149

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 161 $40,435,000 $251,149