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
Jump to:
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.69% | 4/18/24 |
| 30 Year Conventional Refi | 6.27% | 4/18/24 |
| 30 Year Cash-out Refi | 8.35% | 4/18/24 |
| 15 Year Conventional Purchase | 7.92% | 4/18/24 |
| 15 Year Conventional Refi | 5.80% | 4/18/24 |
| 15 Year Cash-out Refi | 5.80% | 4/18/24 |
| 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
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.
Similarity Rank: 978
Similarity Rank: 1088
Similarity Rank: 1110
Similarity Rank: 1216
Similarity Rank: 1221
Similarity Rank: 1344
Similarity Rank: 1368
Similarity Rank: 1518
Similarity Rank: 2002
Similarity Rank: 2100
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% |