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 and Cash Out Refi loans. City-county Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Atlanta, Phoenix, Los Angeles, and Fayetteville among others. We have data for 32 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
407Origination Dollar Volume (All Markets)
$75,765,000Top 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) | 337 | $63,895,000 | $189,599 | $0 | 0.00% |
| Outside of Metro Areas | 14 | $2,440,000 | $174,286 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| Malvern, AR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 0.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $360,000 | $90,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 0.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $270,000 | $67,500 | $0 | 0.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 0.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 0.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $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 | 407 | $75,765,000 | $186,155 | $0 | 0.00% |
For 2019, City-county Credit Union's most frequently originated type of loan was Conventional, with 407 originations.
Loan Reason
For 2019, City-county Credit Union's most frequently cited loan purpose was Home Purchase, with 122 originations. The 2nd most popular reason was Refi, with 85 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 407 | $75,765,000 | $186,155 | $0 | 0.00% |
For 2019, City-county Credit Union's most frequently cited loan duration was Other, with 407 originations.
Loan Sizing
2019 saw City-county Credit Union place emphasis on $100,000 or less loans with 133 originations, totaling $6,665,000 in origination value.
Applicant Income
City-county Credit Union lent most frequently to those with incomes in the $100k-150k range, with 113 originations. The second most popular income band? $75k-100k, with 92 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 407 | $75,765,000 | $186,155 | $0 | 0.00% |
City-county Credit Union lent most frequently to those with DTI ratios of Exempt%, with 407 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.17%
City-county Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination65.85%
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 |
|---|---|---|---|
| Exempt | 407 | $75,765,000 | $186,155 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 407 | $75,765,000 | $186,155 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 10 | 4.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 6 | 2.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 20 | 8.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 81 | 34.8% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 3 | 1.3% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Incorrect information on your report | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 13 | 5.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 11 | 4.7% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 9 | 3.9% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 8 | 3.4% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 52 | 22.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 4 | 1.7% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 2 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 3 | 1.3% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 2 | 0.9% |