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CityCounty Credit Union

Credit UnionSAINT PAUL, MNDirect to Consumer

City County Credit Union has 85 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Acceptable
Conventional
Place
Strong
Multi-Region · 1 mkts

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Safe Rate's Summary

Things to Think About

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

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Report Card

CityCounty Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+15.5 bps above market avg
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Acceptable
Acceptable
8397.6%
+0.165%Above
$2,475Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Acceptable
Acceptable
Acceptable
6778.8%
+0.142%Above
$2,523Fees
Refinance
Acceptable
Acceptable
Acceptable
1821.2%
+0.230%Above
$2,220Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
85
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
1
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Minneapolis, MN-WIMSA
Volume: 55Mix: 64.71%of portfolio
Place
Strong

Top States by Place Specialization Score

1
MNState
Volume: 60Mix: 70.59%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.