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 Refi and Cash Out Refi loans. City-county Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Nashville, Edwards, Phoenix, and Sacramento among others. We have data for 34 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
409Origination Dollar Volume (All Markets)
$81,465,000Top 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) | 351 | $68,785,000 | $195,969 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $1,830,000 | $152,500 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $0 | 0.00% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,535,000 | $1,535,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 0.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Willmar, MN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 0.00% |
| Watertown, SD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| Hannibal, MO (FHA|USDA|VA) | 5 | $275,000 | $55,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 0.00% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $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 | 409 | $81,465,000 | $199,181 | $0 | 0.00% |
For 2020, City-county Credit Union's most frequently originated type of loan was Conventional, with 409 originations.
Loan Reason
For 2020, City-county Credit Union's most frequently cited loan purpose was Refi, with 182 originations. The 2nd most popular reason was Cash Out Refi, with 91 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 409 | $81,465,000 | $199,181 | $0 | 0.00% |
For 2020, City-county Credit Union's most frequently cited loan duration was Other, with 409 originations.
Loan Sizing
2020 saw City-county Credit Union place emphasis on $200k-400k loans with 142 originations, totaling $38,340,000 in origination value.
Applicant Income
City-county Credit Union lent most frequently to those with incomes in the $100k-150k range, with 105 originations. The second most popular income band? $50k-75k, with 88 originations.
Applicant Debt to Income Ratio
City-county Credit Union lent most frequently to those with DTI ratios of 20-30%, with 119 originations. The next most common DTI ratio? 30-36%, with 92 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.29%
City-county Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination31.05%
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 | 409 | $81,465,000 | $199,181 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 409 | $81,465,000 | $199,181 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 35 | 12.8% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 13 | 4.7% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Credit monitoring or identity theft protection services | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 5 | 1.8% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 0.4% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 26 | 9.5% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 109 | 39.8% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 1.1% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 6 | 2.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 7 | 2.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 8 | 2.9% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 3 | 1.1% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 6 | 2.2% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 20 | 7.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.6% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 4 | 1.5% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 2 | 0.7% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 11 | 4.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 3 | 1.1% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 4 | 1.5% |