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 loans. City-county Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Minneapolis, Atlanta, Dallas, Cedar Rapids, and Rockford among others. We have data for 37 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 an average 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% | 4/21/24 |
| 30 Year Conventional Refi | 6.27% | 4/21/24 |
| 30 Year Cash-out Refi | 8.35% | 4/21/24 |
| 15 Year Conventional Purchase | 7.92% | 4/21/24 |
| 15 Year Conventional Refi | 5.80% | 4/21/24 |
| 15 Year Cash-out Refi | 5.80% | 4/21/24 |
| 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
344Origination Dollar Volume (All Markets)
$64,290,000Top 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) | 274 | $50,000,000 | $182,482 | $665 | 4.51% |
| Outside of Metro Areas | 8 | $1,420,000 | $177,500 | $299 | 4.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $495 | 4.57% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $0 | 4.56% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 6 | $820,000 | $136,667 | $550 | 3.98% |
| ROCKFORD, IL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $525 | 4.33% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $475 | 4.62% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $585 | 5.49% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $550 | 5.56% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 5.75% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 4.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 4.13% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 5.00% |
| Hannibal, MO (FHA|USDA|VA) | 5 | $485,000 | $97,000 | $550 | 4.87% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 5.37% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $595 | 5.31% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $550 | 6.62% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 3.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 4.38% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 4.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 4.75% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.00% |
| Richmond, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.75% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $575 | 4.49% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 8.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $600 | 4.50% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $326 | 4.87% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $137 | 3.74% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $103 | 5.49% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $595 | 7.00% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.49% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $550 | 3.99% |
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 | 344 | $64,290,000 | $186,890 | $640 | 4.56% |
For 2022, City-county Credit Union's most frequently originated type of loan was Conventional, with 344 originations.
Loan Reason
For 2022, City-county Credit Union's most frequently cited loan purpose was Home Purchase, with 102 originations. The 2nd most popular reason was Home Improvement, with 101 originations.
Loan Duration/Length
For 2022, City-county Credit Union's most frequently cited loan duration was 30 Year, with 109 originations. The 2nd most popular length was 20 Year, with 87 originations.
Origination Fees/Closing Costs
City-county Credit Union's average total fees were $4,923, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 105 originations.
Interest Rates
During 2022, City-county Credit Union's average interest rate for loans was 4.75%, while their most frequently originated rate bucket for loans was 3-4%, with 104 originations.
Loan Sizing
2022 saw City-county Credit Union place emphasis on $100,000 or less loans with 159 originations, totaling $8,635,000 in origination value.
Applicant Income
City-county Credit Union lent most frequently to those with incomes in the $100k-150k range, with 106 originations. The second most popular income band? $150k-250k, with 74 originations.
Applicant Debt to Income Ratio
City-county Credit Union lent most frequently to those with DTI ratios of 20-30%, with 102 originations. The next most common DTI ratio? 30-36%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.25%
City-county Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination67.15%
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 |
|---|---|---|---|
| 10073.28 | 1 | $265,000 | $265,000 |
| 10219.8 | 1 | $255,000 | $255,000 |
| 10271.77 | 1 | $305,000 | $305,000 |
| 10293.82 | 1 | $635,000 | $635,000 |
| 10308.34 | 1 | $155,000 | $155,000 |
| 10314.5 | 1 | $615,000 | $615,000 |
| 10337.06 | 1 | $285,000 | $285,000 |
| 10474.9 | 1 | $305,000 | $305,000 |
| 11011.95 | 1 | $625,000 | $625,000 |
| 11069.5 | 1 | $735,000 | $735,000 |
| 11396.57 | 1 | $285,000 | $285,000 |
| 11499.8 | 1 | $245,000 | $245,000 |
| 11785.91 | 1 | $375,000 | $375,000 |
| 11800.69 | 1 | $265,000 | $265,000 |
| 12003.72 | 1 | $585,000 | $585,000 |
| 12400.57 | 1 | $225,000 | $225,000 |
| 12695.0 | 1 | $885,000 | $885,000 |
| 13858.42 | 1 | $555,000 | $555,000 |
| 13916.45 | 1 | $495,000 | $495,000 |
| 14287.55 | 1 | $485,000 | $485,000 |
| 16090.7 | 1 | $1,105,000 | $1,105,000 |
| 16707.35 | 1 | $425,000 | $425,000 |
| 19033.7 | 1 | $545,000 | $545,000 |
| 23764.6 | 1 | $865,000 | $865,000 |
| 3083.8 | 1 | $105,000 | $105,000 |
| 319.2 | 1 | $105,000 | $105,000 |
| 3200.0 | 1 | $105,000 | $105,000 |
| 3231.5 | 1 | $115,000 | $115,000 |
| 3713.0 | 1 | $155,000 | $155,000 |
| 3789.0 | 1 | $155,000 | $155,000 |
| 3969.0 | 1 | $175,000 | $175,000 |
| 4081.0 | 1 | $385,000 | $385,000 |
| 4299.9 | 1 | $165,000 | $165,000 |
| 4481.5 | 1 | $125,000 | $125,000 |
| 4507.25 | 1 | $205,000 | $205,000 |
| 4688.2 | 1 | $195,000 | $195,000 |
| 4845.0 | 1 | $195,000 | $195,000 |
| 4983.2 | 1 | $245,000 | $245,000 |
| 5361.0 | 1 | $275,000 | $275,000 |
| 5620.05 | 1 | $405,000 | $405,000 |
| 5782.25 | 1 | $225,000 | $225,000 |
| 5944.0 | 1 | $225,000 | $225,000 |
| 6012.4 | 1 | $255,000 | $255,000 |
| 6017.16 | 1 | $295,000 | $295,000 |
| 6138.83 | 1 | $205,000 | $205,000 |
| 6140.66 | 1 | $245,000 | $245,000 |
| 6497.63 | 1 | $195,000 | $195,000 |
| 6639.43 | 1 | $195,000 | $195,000 |
| 6770.2 | 1 | $305,000 | $305,000 |
| 6801.5 | 1 | $255,000 | $255,000 |
| 6805.0 | 1 | $255,000 | $255,000 |
| 6884.75 | 1 | $365,000 | $365,000 |
| 7342.8 | 1 | $295,000 | $295,000 |
| 7465.3 | 1 | $335,000 | $335,000 |
| 7610.75 | 1 | $345,000 | $345,000 |
| 7934.0 | 1 | $845,000 | $845,000 |
| 7996.06 | 1 | $235,000 | $235,000 |
| 8281.0 | 1 | $345,000 | $345,000 |
| 8620.47 | 1 | $405,000 | $405,000 |
| 8687.54 | 1 | $225,000 | $225,000 |
| 8825.22 | 1 | $485,000 | $485,000 |
| 9070.7 | 1 | $815,000 | $815,000 |
| 9546.22 | 1 | $325,000 | $325,000 |
| 9602.23 | 1 | $405,000 | $405,000 |
| 9889.86 | 1 | $825,000 | $825,000 |
| NA | 279 | $40,755,000 | $146,075 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 30.0% |
| CITIZENS FINANCIAL GROUP, INC. | Conventional home mortgage | Trouble during payment process | 4 | 40.0% |
| CITIZENS FINANCIAL GROUP, INC. | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 10.0% |
| CITIZENS FINANCIAL GROUP, INC. | VA mortgage | Trouble during payment process | 1 | 10.0% |