City-county Credit Union Mortgage Rates, Fees & Info
SAINT PAUL, MNLEI: 984500DB378C704F4610
Tax ID: 41-0191495
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Mortgage Data
Review & Overview
City-county Credit Union is a smaller credit union specializing in Home Purchase loans. City-county Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Atlanta, Dallas, Cedar Rapids, and Rockford among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)City-county 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. City-county Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.69% | 9/25/23 |
| 30 Year Conventional Refi | 6.27% | 9/25/23 |
| 30 Year Cash-out Refi | 8.35% | 9/25/23 |
| 15 Year Conventional Purchase | 7.92% | 9/25/23 |
| 15 Year Conventional Refi | 5.80% | 9/25/23 |
| 15 Year Cash-out Refi | 5.80% | 9/25/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
City-county Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from City-county Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
344Origination Dollar Volume (All Markets)
$64,290,000Awards
CITY-COUNTY CREDIT UNION - 2022
CITY-COUNTY CREDIT UNION is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
City-county Credit Union's average 30 year fixed mortgage rate was
4.75%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.01%.
Relative Fees (Closing Costs)
City-county Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,923.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 274 | $50,000,000 | $182,482 | $665 | 4.51% |
| Outside of Metro Areas | 8 | $1,420,000 | $177,500 | $299 | 4.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $495 | 4.57% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $0 | 4.56% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $550 | 3.98% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $525 | 4.33% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $475 | 4.62% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $585 | 5.49% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $550 | 5.56% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 5.75% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 4.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 4.13% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 5.00% |
| Hannibal, MO (FHA|USDA|VA) | 5 | $485,000 | $97,000 | $550 | 4.87% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 5.37% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $595 | 5.31% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $550 | 6.62% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 4.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 4.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 4.75% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.00% |
| Richmond, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.75% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $575 | 4.49% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $600 | 4.50% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $326 | 4.87% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $137 | 3.74% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $103 | 5.49% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $595 | 7.00% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.49% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $550 | 3.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against CITY-COUNTY CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 384
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 344 | $64,290,000 | $186,890 | $640 | 4.56% |
For 2022, City-county Credit Union's most frequently originated type of loan was Conventional, with 344 originations.
Loan Reason
For 2022, City-county Credit Union's most frequently cited loan purpose was Home Purchase, with 102 originations. The 2nd most popular reason was Home Improvement, with 101 originations.
Loan Duration/Length
For 2022, City-county Credit Union's most frequently cited loan duration was 30 Year, with 109 originations. The 2nd most popular length was 20 Year, with 87 originations.
Origination Fees/Closing Costs
City-county Credit Union's average total fees were $4,923, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 105 originations.
Interest Rates
During 2022, City-county Credit Union's average interest rate for loans was 4.75%, while their most frequently originated rate bucket for loans was 3-4%, with 104 originations.
Loan Sizing
2022 saw City-county Credit Union place emphasis on $100,000 or less loans with 159 originations, totaling $8,635,000 in origination value.
Applicant Income
City-county Credit Union lent most frequently to those with incomes in the $100k-150k range, with 106 originations. The second most popular income band? $150k-250k, with 74 originations.
Applicant Debt to Income Ratio
City-county Credit Union lent most frequently to those with DTI ratios of 20-30%, with 102 originations. The next most common DTI ratio? 30-36%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.25%
City-county Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination67.15%
City-county Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 10073.28 | 1 | $265,000 | $265,000 |
| 10219.8 | 1 | $255,000 | $255,000 |
| 10271.77 | 1 | $305,000 | $305,000 |
| 10293.82 | 1 | $635,000 | $635,000 |
| 10308.34 | 1 | $155,000 | $155,000 |
| 10314.5 | 1 | $615,000 | $615,000 |
| 10337.06 | 1 | $285,000 | $285,000 |
| 10474.9 | 1 | $305,000 | $305,000 |
| 11011.95 | 1 | $625,000 | $625,000 |
| 11069.5 | 1 | $735,000 | $735,000 |
| 11396.57 | 1 | $285,000 | $285,000 |
| 11499.8 | 1 | $245,000 | $245,000 |
| 11785.91 | 1 | $375,000 | $375,000 |
| 11800.69 | 1 | $265,000 | $265,000 |
| 12003.72 | 1 | $585,000 | $585,000 |
| 12400.57 | 1 | $225,000 | $225,000 |
| 12695.0 | 1 | $885,000 | $885,000 |
| 13858.42 | 1 | $555,000 | $555,000 |
| 13916.45 | 1 | $495,000 | $495,000 |
| 14287.55 | 1 | $485,000 | $485,000 |
| 16090.7 | 1 | $1,105,000 | $1,105,000 |
| 16707.35 | 1 | $425,000 | $425,000 |
| 19033.7 | 1 | $545,000 | $545,000 |
| 23764.6 | 1 | $865,000 | $865,000 |
| 3083.8 | 1 | $105,000 | $105,000 |
| 319.2 | 1 | $105,000 | $105,000 |
| 3200.0 | 1 | $105,000 | $105,000 |
| 3231.5 | 1 | $115,000 | $115,000 |
| 3713.0 | 1 | $155,000 | $155,000 |
| 3789.0 | 1 | $155,000 | $155,000 |
| 3969.0 | 1 | $175,000 | $175,000 |
| 4081.0 | 1 | $385,000 | $385,000 |
| 4299.9 | 1 | $165,000 | $165,000 |
| 4481.5 | 1 | $125,000 | $125,000 |
| 4507.25 | 1 | $205,000 | $205,000 |
| 4688.2 | 1 | $195,000 | $195,000 |
| 4845.0 | 1 | $195,000 | $195,000 |
| 4983.2 | 1 | $245,000 | $245,000 |
| 5361.0 | 1 | $275,000 | $275,000 |
| 5620.05 | 1 | $405,000 | $405,000 |
| 5782.25 | 1 | $225,000 | $225,000 |
| 5944.0 | 1 | $225,000 | $225,000 |
| 6012.4 | 1 | $255,000 | $255,000 |
| 6017.16 | 1 | $295,000 | $295,000 |
| 6138.83 | 1 | $205,000 | $205,000 |
| 6140.66 | 1 | $245,000 | $245,000 |
| 6497.63 | 1 | $195,000 | $195,000 |
| 6639.43 | 1 | $195,000 | $195,000 |
| 6770.2 | 1 | $305,000 | $305,000 |
| 6801.5 | 1 | $255,000 | $255,000 |
| 6805.0 | 1 | $255,000 | $255,000 |
| 6884.75 | 1 | $365,000 | $365,000 |
| 7342.8 | 1 | $295,000 | $295,000 |
| 7465.3 | 1 | $335,000 | $335,000 |
| 7610.75 | 1 | $345,000 | $345,000 |
| 7934.0 | 1 | $845,000 | $845,000 |
| 7996.06 | 1 | $235,000 | $235,000 |
| 8281.0 | 1 | $345,000 | $345,000 |
| 8620.47 | 1 | $405,000 | $405,000 |
| 8687.54 | 1 | $225,000 | $225,000 |
| 8825.22 | 1 | $485,000 | $485,000 |
| 9070.7 | 1 | $815,000 | $815,000 |
| 9546.22 | 1 | $325,000 | $325,000 |
| 9602.23 | 1 | $405,000 | $405,000 |
| 9889.86 | 1 | $825,000 | $825,000 |
| NA | 279 | $40,755,000 | $146,075 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 30.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 4 | 40.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 10.0% |