Applications / Mortgage Analytics / Lenders / Missouri / Century Credit Union
Saint Louis, MO · Credit union · NCUA · $173 million assets · 112 loans in 2025
Century Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
112
loans originated, 2025
129
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Century Credit Union, in St. Louis, makes small loans, half of them for purposes other than buying or refinancing a home, and more of them reach borrowers of modest means than at most credit unions its size.
Loans for other purposes made up 50.0% of its lending and home improvement 13.4%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), lower than about six in seven of them. So although it made slightly more loans than its peers, it lent less: $12.1 million against $14.8 million.
Its originations rose 12% to 112, close to the 8% at similar lenders. It made only 36 loans in 2023. The past two years have taken it to its highest count since 2018.
Low- and moderate-income (LMI) borrowers took 42.0% of its loans, against 29.8% at similar lenders, more than at about four in five of them. LMI neighborhoods took 24.1%, against 17.2%. Small loans for repairs and other needs may suit borrowers with lower incomes, which is one plausible reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Century Credit Union took 129 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 50.0% · Refinance 17.0% · Purchase 16.1% · Home improvement 13.4% · Not applicable 3.6%
Conventional 100.0% · of 112 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 110 | 98.2% |
| Illinois | 2 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 100 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490039MDCTJ7ZJ8204 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 449092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560435 | 2003–2017 |
Established 1 January 1954. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Century Credit Union's data.
Century Credit Union's data
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Century Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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