City-county Credit Union Mortgage Rates, Fees & Info

SAINT PAUL, MN

LEI: 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 and Home Improvement loans. City-county Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Duluth, Brainerd, and Faribault among others. We have data for 5 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.

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% 3/28/24
30 Year Conventional Refi 6.27% 3/28/24
30 Year Cash-out Refi 8.35% 3/28/24
15 Year Conventional Purchase 7.92% 3/28/24
15 Year Conventional Refi 5.80% 3/28/24
15 Year Cash-out Refi 5.80% 3/28/24
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

222

Origination Dollar Volume (All Markets)

$30,170,000

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
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 213 $28,995,000 $136,127 $0 0.00%
Outside of Metro Areas 5 $675,000 $135,000 $0 0.00%
DULUTH, MN-WI (FHA|USDA|VA) 2 $300,000 $150,000 $0 0.00%
Brainerd, MN (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
City-county Credit Union's top markets include Minneapolis, Duluth, Brainerd, and Faribault among others.

Their top states include:
  • (FHA|USDA|VA)
  • 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 222 $30,170,000 $135,901 $0 0.00%

    For 2018, City-county Credit Union's most frequently originated type of loan was Conventional, with 222 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 79 $16,025,000 $202,848 $0 0.00%
    Home Improvement 76 $6,180,000 $81,316 $0 0.00%
    Refi 42 $4,990,000 $118,810 $0 0.00%
    Other 15 $685,000 $45,667 $0 0.00%
    Cash Out Refi 10 $2,290,000 $229,000 $0 0.00%

    For 2018, City-county Credit Union's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Home Improvement, with 76 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 222 $30,170,000 $135,901 $0 0.00%

    For 2018, City-county Credit Union's most frequently cited loan duration was Other, with 222 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 95 $5,075,000 $53,421 $0 0.00%
    $100k-200k 71 $10,395,000 $146,408 $0 0.00%
    $200k-400k 54 $13,820,000 $255,926 $0 0.00%
    $400k-600k 2 $880,000 $440,000 $0 0.00%

    2018 saw City-county Credit Union place emphasis on $100,000 or less loans with 95 originations, totaling $5,075,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 58 $8,070,000 $139,138 $0 0.00%
    $50k-75k 58 $7,880,000 $135,862 $0 0.00%
    $75k-100k 41 $5,115,000 $124,756 $0 0.00%
    $50k or less 34 $3,720,000 $109,412 $0 0.00%
    $150k-250k 28 $4,660,000 $166,429 $0 0.00%
    $250k+ 3 $725,000 $241,667 $0 0.00%

    City-county Credit Union lent most frequently to those with incomes in the $100k-150k range, with 58 originations. The second most popular income band? $50k-75k, with 58 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 222 $30,170,000 $135,901 $0 0.00%

    City-county Credit Union lent most frequently to those with DTI ratios of Exempt%, with 222 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 203 $28,005,000 $137,956 $0 0.00%
    Asian 5 $945,000 $189,000 $0 0.00%
    Black 7 $915,000 $130,714 $0 0.00%
    Other Asian 3 $155,000 $51,667 $0 0.00%
    Not applicable 3 $125,000 $41,667 $0 0.00%
    Not provided 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.67%

    City-county Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.28%

    City-county Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 222 $30,170,000 $135,901

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 222 $30,170,000 $135,901

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Citizens Savings & Loan Corporation, Chattanooga, TN Branch Conventional home mortgage Trouble during payment process 1 100.0%