# CITY-COUNTY CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/city-county-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CITY-COUNTY CREDIT UNION is a credit union, headquartered in SAINT PAUL, MN, serving borrowers across 13 states, with 85 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 984500DB378C704F4610
- **Headquarters:** SAINT PAUL, MN
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AZ, CA, FL, GA, IA, IL, IN, LA, MN, MO, NM, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,478
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 85
- **Dollar Volume:** $27 million
- **Applications Received:** 146
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $315,000
- **Average Borrower Income:** $163,682
- **Average Property Value:** $465,235

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 83 | +0.165% | $2,475 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 67 loans, Score: 29/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 29/100 | 67 | $22M | +0.142% | Acceptable 🙂 |
| Refinance | 31/100 | 18 | $5M | +0.230% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 60 | 0.09% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Minneapolis | MN-WI | 55 | 64/100 |
| Non |  | 12 | 29/100 |

## Frequently Asked Questions

### What loan types does CITY-COUNTY CREDIT UNION offer?

CITY-COUNTY CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITY-COUNTY CREDIT UNION offer mortgages?

CITY-COUNTY CREDIT UNION offers mortgages in 13 states: AL, AZ, CA, FL, GA, IA, IL, IN, LA, MN, MO, NM, WI.

### How competitive are CITY-COUNTY CREDIT UNION's mortgage rates?

CITY-COUNTY CREDIT UNION has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% above market average.

### What type of lender is CITY-COUNTY CREDIT UNION?

CITY-COUNTY CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in SAINT PAUL, MN.

### What is CITY-COUNTY CREDIT UNION's loan approval success rate?

CITY-COUNTY CREDIT UNION has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/city-county-credit-union

### How to Cite

> "CITY-COUNTY CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/city-county-credit-union

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