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 score and performance metrics.

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 an overall pricing score of 38.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is City-County Credit Union?

City-County Credit Union is a Credit Union headquartered in SAINT PAUL, MN.

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City-County Credit Union

Credit Union•Saint Paul, MNHQ•Direct•Reviews near you on Google

City-County Credit Union has 85 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

City-County Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+15.5 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	83	97.6%	+0.165%Above	$2,475Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume83

Mix97.6%

Spread

+0.165%Above

Fees

$2,475Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	67	78.8%	+0.142%Above	$2,523Fees
Refinance	Acceptable	Acceptable	—	Acceptable	18	21.2%	+0.230%Above	$2,220Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume67

Mix78.8%

Spread

+0.142%Above

Fees

$2,523Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume18

Mix21.2%

Spread

+0.230%Above

Fees

$2,220Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

146

Volume

$26 million

Pricing & Closing

Avg Rate Spread

+0.155%

vs. market APOR

Avg Net Fees

$2,478

Origination − Credits

Pullthrough Rate

58.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$315,000

Avg Borrower Income

$163,682

Avg Property Value

$465,235

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest6

IAILINMNMOWI

South4

ALFLGALA

West3

AZCANM

Top Metro Areas by Place Specialization Score

Minneapolis, MN-WIMetro

Volume 55Mix 64.71% of portfolio

64/100

Strong

Top States by Place Specialization Score

MinnesotaState

Volume 60Mix 70.59% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.