City-county Credit Union Mortgage Rates, Fees & Info
SAINT PAUL, MNLEI: 984500DB378C704F4610
Tax ID: 41-0191495
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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% | 12/16/24 |
| 30 Year Conventional Refi | 6.27% | 12/16/24 |
| 30 Year Cash-out Refi | 8.35% | 12/16/24 |
| 15 Year Conventional Purchase | 7.92% | 12/16/24 |
| 15 Year Conventional Refi | 5.80% | 12/16/24 |
| 15 Year Cash-out Refi | 5.80% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
222Origination Dollar Volume (All Markets)
$30,170,000Top 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 |
|---|---|---|---|---|---|
| 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% |
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
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
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
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
Approval Rates
Total approvals of all applications89.67%
City-county Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination79.28%
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% |