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, Cash Out Refi, and Home Purchase loans. City-county Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Houston, Joplin, Albuquerque, and Denver among others. We have data for 31 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. City-county Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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% | 4/30/24 |
| 30 Year Conventional Refi | 6.27% | 4/30/24 |
| 30 Year Cash-out Refi | 8.35% | 4/30/24 |
| 15 Year Conventional Purchase | 7.92% | 4/30/24 |
| 15 Year Conventional Refi | 5.80% | 4/30/24 |
| 15 Year Cash-out Refi | 5.80% | 4/30/24 |
| 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
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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
424Origination Dollar Volume (All Markets)
$93,710,000Awards
CITY-COUNTY CREDIT UNION - 2021
CITY-COUNTY CREDIT UNION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 317 | $72,835,000 | $229,763 | $3,626 | 2.92% |
| Outside of Metro Areas | 59 | $7,885,000 | $133,644 | $1,685 | 3.36% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $1,785,000 | $1,785,000 | $0 | 3.00% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $0 | 2.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $0 | 3.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 2.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 3.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $0 | 3.12% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 2.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 2.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $825 | 3.93% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 2.75% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 3.00% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,875 | 2.33% |
| Hannibal, MO (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $0 | 3.28% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 2.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 2.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 2.13% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 2.75% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,705 | 2.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 2.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 2.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $102 | 4.12% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.00% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.49% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $102 | 4.74% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.00% |
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 | 424 | $93,710,000 | $221,014 | $3,205 | 3.00% |
For 2021, City-county Credit Union's most frequently originated type of loan was Conventional, with 424 originations.
Loan Reason
For 2021, City-county Credit Union's most frequently cited loan purpose was Refi, with 149 originations. The 2nd most popular reason was Cash Out Refi, with 112 originations.
Loan Duration/Length
For 2021, City-county Credit Union's most frequently cited loan duration was 30 Year, with 203 originations. The 2nd most popular length was 15 Year, with 103 originations.
Origination Fees/Closing Costs
City-county Credit Union's average total fees were $4,644, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 89 originations.
Interest Rates
During 2021, City-county Credit Union's average interest rate for loans was 2.90%, while their most frequently originated rate bucket for loans was 2.5-3%, with 228 originations.
Loan Sizing
2021 saw City-county Credit Union place emphasis on $200k-400k loans with 152 originations, totaling $41,750,000 in origination value.
Applicant Income
City-county Credit Union lent most frequently to those with incomes in the $100k-150k range, with 100 originations. The second most popular income band? $50k-75k, with 100 originations.
Applicant Debt to Income Ratio
City-county Credit Union lent most frequently to those with DTI ratios of 20-30%, with 136 originations. The next most common DTI ratio? 30-36%, with 80 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.65%
City-county Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination55.42%
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 |
|---|---|---|---|
| 10131.5 | 1 | $715,000 | $715,000 |
| 10205.0 | 1 | $605,000 | $605,000 |
| 10583.75 | 1 | $375,000 | $375,000 |
| 11062.57 | 1 | $405,000 | $405,000 |
| 13974.05 | 1 | $1,785,000 | $1,785,000 |
| 16182.29 | 1 | $935,000 | $935,000 |
| 3017.0 | 1 | $105,000 | $105,000 |
| 3062.0 | 1 | $105,000 | $105,000 |
| 3105.25 | 1 | $115,000 | $115,000 |
| 3236.5 | 1 | $85,000 | $85,000 |
| 3248.0 | 1 | $125,000 | $125,000 |
| 3295.0 | 1 | $315,000 | $315,000 |
| 3310.0 | 1 | $455,000 | $455,000 |
| 3325.0 | 1 | $185,000 | $185,000 |
| 3417.09 | 1 | $265,000 | $265,000 |
| 3464.0 | 1 | $185,000 | $185,000 |
| 3659.0 | 1 | $105,000 | $105,000 |
| 3978.4 | 1 | $175,000 | $175,000 |
| 3989.5 | 1 | $155,000 | $155,000 |
| 4098.8 | 1 | $545,000 | $545,000 |
| 4131.5 | 1 | $155,000 | $155,000 |
| 4143.94 | 1 | $195,000 | $195,000 |
| 4149.8 | 1 | $195,000 | $195,000 |
| 4150.0 | 1 | $425,000 | $425,000 |
| 4159.5 | 1 | $175,000 | $175,000 |
| 4181.6 | 1 | $145,000 | $145,000 |
| 4194.0 | 1 | $165,000 | $165,000 |
| 4209.25 | 1 | $75,000 | $75,000 |
| 4237.05 | 1 | $115,000 | $115,000 |
| 4265.0 | 1 | $145,000 | $145,000 |
| 4314.7 | 1 | $165,000 | $165,000 |
| 4359.7 | 1 | $205,000 | $205,000 |
| 4420.0 | 1 | $225,000 | $225,000 |
| 4429.0 | 1 | $225,000 | $225,000 |
| 4462.6 | 1 | $225,000 | $225,000 |
| 4589.0 | 2 | $430,000 | $215,000 |
| 4660.8 | 1 | $225,000 | $225,000 |
| 4688.25 | 1 | $175,000 | $175,000 |
| 4702.43 | 1 | $225,000 | $225,000 |
| 4710.65 | 1 | $355,000 | $355,000 |
| 4763.0 | 1 | $185,000 | $185,000 |
| 4790.25 | 1 | $185,000 | $185,000 |
| 4794.0 | 1 | $245,000 | $245,000 |
| 4846.25 | 1 | $215,000 | $215,000 |
| 4897.53 | 1 | $175,000 | $175,000 |
| 4899.75 | 1 | $255,000 | $255,000 |
| 4900.25 | 1 | $135,000 | $135,000 |
| 4921.4 | 1 | $215,000 | $215,000 |
| 4937.4 | 1 | $215,000 | $215,000 |
| 5010.69 | 1 | $265,000 | $265,000 |
| 5055.0 | 1 | $275,000 | $275,000 |
| 5073.4 | 1 | $125,000 | $125,000 |
| 5129.2 | 1 | $275,000 | $275,000 |
| 5160.25 | 1 | $265,000 | $265,000 |
| 5171.3 | 1 | $225,000 | $225,000 |
| 5173.15 | 1 | $525,000 | $525,000 |
| 5193.28 | 1 | $315,000 | $315,000 |
| 5264.13 | 1 | $465,000 | $465,000 |
| 5265.0 | 1 | $245,000 | $245,000 |
| 5280.0 | 1 | $395,000 | $395,000 |
| 5287.0 | 1 | $285,000 | $285,000 |
| 5306.5 | 1 | $385,000 | $385,000 |
| 5370.15 | 1 | $485,000 | $485,000 |
| 5409.9 | 1 | $275,000 | $275,000 |
| 5413.35 | 1 | $295,000 | $295,000 |
| 5446.5 | 1 | $305,000 | $305,000 |
| 5534.0 | 1 | $305,000 | $305,000 |
| 5620.8 | 1 | $355,000 | $355,000 |
| 5650.0 | 1 | $285,000 | $285,000 |
| 5651.34 | 1 | $315,000 | $315,000 |
| 5705.0 | 1 | $785,000 | $785,000 |
| 5973.25 | 1 | $585,000 | $585,000 |
| 5976.5 | 1 | $305,000 | $305,000 |
| 6098.5 | 1 | $265,000 | $265,000 |
| 6199.84 | 1 | $195,000 | $195,000 |
| 6314.0 | 1 | $285,000 | $285,000 |
| 6371.75 | 1 | $145,000 | $145,000 |
| 6376.0 | 1 | $385,000 | $385,000 |
| 6394.0 | 1 | $225,000 | $225,000 |
| 6503.35 | 1 | $315,000 | $315,000 |
| 6598.5 | 1 | $465,000 | $465,000 |
| 6688.25 | 1 | $235,000 | $235,000 |
| 6694.0 | 1 | $535,000 | $535,000 |
| 6797.0 | 1 | $225,000 | $225,000 |
| 6869.95 | 1 | $275,000 | $275,000 |
| 6986.87 | 1 | $285,000 | $285,000 |
| 7018.0 | 1 | $525,000 | $525,000 |
| 7199.9 | 1 | $415,000 | $415,000 |
| 7385.4 | 1 | $415,000 | $415,000 |
| 7471.5 | 1 | $545,000 | $545,000 |
| 7478.26 | 1 | $495,000 | $495,000 |
| 7503.05 | 1 | $435,000 | $435,000 |
| 7548.0 | 1 | $435,000 | $435,000 |
| 7566.0 | 1 | $645,000 | $645,000 |
| 7752.4 | 1 | $385,000 | $385,000 |
| 7759.8 | 1 | $675,000 | $675,000 |
| 8192.0 | 1 | $395,000 | $395,000 |
| 8202.05 | 1 | $545,000 | $545,000 |
| 8209.0 | 1 | $505,000 | $505,000 |
| 8276.0 | 1 | $365,000 | $365,000 |
| 8426.4 | 1 | $375,000 | $375,000 |
| 8465.28 | 1 | $345,000 | $345,000 |
| 8587.5 | 1 | $525,000 | $525,000 |
| 8640.0 | 1 | $455,000 | $455,000 |
| 8658.3 | 1 | $705,000 | $705,000 |
| 8658.5 | 1 | $155,000 | $155,000 |
| 8673.0 | 1 | $435,000 | $435,000 |
| 8712.0 | 1 | $705,000 | $705,000 |
| 8856.0 | 1 | $435,000 | $435,000 |
| 9659.76 | 1 | $545,000 | $545,000 |
| 9879.43 | 1 | $455,000 | $455,000 |
| NA | 312 | $55,810,000 | $178,878 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 54 | 15.6% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 22 | 6.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Incorrect information on your report | 6 | 1.7% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 116 | 33.4% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Struggling to pay mortgage | 15 | 4.3% |
| CITIZENS FINANCIAL GROUP, INC. | FHA mortgage | Trouble during payment process | 19 | 5.5% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 7 | 2.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 1.2% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 27 | 7.8% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 1.4% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Closing on a mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Improper use of your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Incorrect information on your report | 1 | 0.3% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Struggling to pay mortgage | 3 | 0.9% |
| CITIZENS FINANCIAL GROUP, INC. | Other type of mortgage | Trouble during payment process | 13 | 3.7% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Struggling to pay mortgage | 2 | 0.6% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 3 | 0.9% |