City & County Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, City & County Credit Union of Saint Paul, MN reported 421 mortgage applications totaling $75.2 million, up 20% from 2024. The average application was for $178,586, and applicants reported an average income of $156,572. 58% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (329), Duluth, MN-WI (5) and Atlanta-Sandy Springs-Roswell, GA (3) (applications in parentheses).
| Mortgage Company & Address | City & County Credit Union 144 11th St. E Saint Paul, MN 55101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 421 |
| Total Mortgage Loan Application Amount | $75,185,000 |
| Average Mortgage Loan Application Amount | $178,586 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $156,572 |
| Highest Applicant Income | $3,336,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington, Minnesota | 76 | $ 12,260,000 | $ 161,315 | $ 144,000 |
| Hennepin, Minnesota | 72 | $ 16,540,000 | $ 229,722 | $ 170,000 |
| Ramsey, Minnesota | 71 | $ 7,025,000 | $ 98,943 | $ 151,000 |
| Dakota, Minnesota | 43 | $ 8,015,000 | $ 186,395 | $ 137,000 |
| Anoka, Minnesota | 26 | $ 3,900,000 | $ 150,000 | $ 133,000 |
| Wright, Minnesota | 10 | $ 1,990,000 | $ 199,000 | $ 170,000 |
| St. Croix, Wisconsin | 10 | $ 1,170,000 | $ 117,000 | $ 108,000 |
| Marion, Missouri | 7 | $ 1,055,000 | $ 150,714 | $ 94,000 |
| Scott, Minnesota | 5 | $ 855,000 | $ 171,000 | $ 164,000 |
| Sherburne, Minnesota | 5 | $ 385,000 | $ 77,000 | $ 144,000 |
| St. Louis, Minnesota | 5 | $ 825,000 | $ 165,000 | $ 124,000 |
| Mecosta, Michigan | 4 | $ 1,050,000 | $ 262,500 | $ 180,000 |
| Carver, Minnesota | 4 | $ 1,430,000 | $ 357,500 | $ 160,000 |
| Chisago, Minnesota | 4 | $ 510,000 | $ 127,500 | $ 87,000 |
| Crow Wing, Minnesota | 3 | $ 725,000 | $ 241,666 | $ 150,000 |
| Newton, Missouri | 3 | $ 715,000 | $ 238,333 | $ 131,000 |
| Ralls, Missouri | 3 | $ 745,000 | $ 248,333 | $ 105,000 |
| Rutherford, Tennessee | 3 | $ 1,175,000 | $ 391,666 | $ 140,000 |
| Broward, Florida | 2 | $ 370,000 | $ 185,000 | $ 215,000 |
| Sumter, Florida | 2 | $ 140,000 | $ 70,000 | $ 100,000 |
| Walton, Georgia | 2 | $ 120,000 | $ 60,000 | $ 86,000 |
| Linn, Iowa | 2 | $ 210,000 | $ 105,000 | $ 116,000 |
| Johnson, Kansas | 2 | $ 710,000 | $ 355,000 | $ 269,000 |
| Isanti, Minnesota | 2 | $ 640,000 | $ 320,000 | $ 90,000 |
| Pine, Minnesota | 2 | $ 170,000 | $ 85,000 | $ 156,000 |
| Rice, Minnesota | 2 | $ 180,000 | $ 90,000 | $ 135,000 |
| Burnett, Wisconsin | 2 | $ 380,000 | $ 190,000 | $ 243,000 |
| Pinal, Arizona | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Santa Cruz, Arizona | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Yavapai, Arizona | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| San Francisco, California | 1 | $ 385,000 | $ 385,000 | $ 244,000 |
| Denver, Colorado | 1 | $ 655,000 | $ 655,000 | $ 183,000 |
| Summit, Colorado | 1 | $ 415,000 | $ 415,000 | $ 135,000 |
| Brevard, Florida | 1 | $ 125,000 | $ 125,000 | $ 207,000 |
| Charlotte, Florida | 1 | $ 45,000 | $ 45,000 | $ 167,000 |
| Hernando, Florida | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Lee, Florida | 1 | $ 225,000 | $ 225,000 | $ 346,000 |
| Miami-Dade, Florida | 1 | $ 175,000 | $ 175,000 | $ 349,000 |
| Brooks, Georgia | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Fulton, Georgia | 1 | $ 415,000 | $ 415,000 | $ 131,000 |
| Oglethorpe, Georgia | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Adams, Illinois | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Kane, Illinois | 1 | $ 315,000 | $ 315,000 | $ 89,000 |
| Lake, Illinois | 1 | $ 155,000 | $ 155,000 | $ 285,000 |
| Hardin, Iowa | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Johnson, Iowa | 1 | $ 495,000 | $ 495,000 | $ 166,000 |
| Jones, Iowa | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Poweshiek, Iowa | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Douglas, Kansas | 1 | $ 425,000 | $ 425,000 | $ 259,000 |
| Ellsworth, Kansas | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Newaygo, Michigan | 1 | $ 175,000 | $ 175,000 | $ 360,000 |
| Beltrami, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Hubbard, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Lyon, Minnesota | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| Mille Lacs, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Olmsted, Minnesota | 1 | $ 635,000 | $ 635,000 | $ 200,000 |
| Pope, Minnesota | 1 | $ 395,000 | $ 395,000 | $ 208,000 |
| Andrew, Missouri | 1 | $ 535,000 | $ 535,000 | $ 220,000 |
| Boone, Missouri | 1 | $ 255,000 | $ 255,000 | $ 52,000 |
| Jackson, Missouri | 1 | $ 445,000 | $ 445,000 | $ 242,000 |
| Pike, Missouri | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| St. Louis, Missouri | 1 | $ 75,000 | $ 75,000 | $ 262,000 |
| Washoe, Nevada | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Somerset, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 302,000 |
| Kings, New York | 1 | $ 535,000 | $ 535,000 | $ 3,336,000 |
| Butler, Ohio | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| York, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 278,000 |
| Minnehaha, South Dakota | 1 | $ 315,000 | $ 315,000 | $ 175,000 |
| Harris, Texas | 1 | $ 285,000 | $ 285,000 | $ 263,000 |
| Utah, Utah | 1 | $ 445,000 | $ 445,000 | $ 155,000 |
| Loudoun, Virginia | 1 | $ 125,000 | $ 125,000 | $ 195,000 |
| Spokane, Washington | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Barron, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 128,000 |
| Monroe, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Outagamie, Wisconsin | 1 | $ 525,000 | $ 525,000 | $ 155,000 |
| Polk, Wisconsin | 1 | $ 445,000 | $ 445,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 120 | $41,660,000 | $347,000 | $825,000 | $204,000 | $3,336,000 |
| Home Improvement | 110 | $7,840,000 | $71,000 | $355,000 | $138,000 | $390,000 |
| Other Purpose | 103 | $7,115,000 | $69,000 | $305,000 | $146,000 | $1,880,000 |
| Cash-out Refinancing | 45 | $8,675,000 | $192,000 | $785,000 | $127,000 | $527,000 |
| Refinancing | 43 | $9,895,000 | $230,000 | $765,000 | $128,000 | $331,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 325 | $59,605,000 | $183,000 | $825,000 | $153,000 | $1,880,000 |
| Black or African American | 29 | $3,665,000 | $126,000 | $525,000 | $111,000 | $285,000 |
| Hispanic | 23 | $5,215,000 | $226,000 | $535,000 | $172,000 | $354,000 |
| Asian | 20 | $4,030,000 | $201,000 | $585,000 | $292,000 | $3,336,000 |
| Not Provided | 14 | $1,320,000 | $94,000 | $405,000 | $137,000 | $343,000 |
| American Indian or Alaskan Native | 7 | $865,000 | $123,000 | $385,000 | $130,000 | $343,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $420,000 | $210,000 | $215,000 | $64,000 | $78,000 |
| Not applicable | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 418 | $74,330,000 | $177,000 | $825,000 | $157,000 | $3,336,000 |
| FHA-insured (Federal Housing Administration) | 3 | $855,000 | $285,000 | $385,000 | $94,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 246 | $50,340,000 | $204,000 | $825,000 | $159,000 | $680,000 |
| Application Withdrawn By Applicant | 87 | $13,745,000 | $157,000 | $655,000 | $163,000 | $1,880,000 |
| Application Denied By Financial Institution | 76 | $6,910,000 | $90,000 | $585,000 | $141,000 | $3,336,000 |
| Application Approved But Not Accepted | 12 | $4,190,000 | $349,000 | $505,000 | $152,000 | $288,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 345 | $68,275,000 | $197,000 | $825,000 | $160,000 | $1,880,000 |
| Other | 27 | $2,025,000 | $75,000 | $205,000 | $111,000 | $294,000 |
| Debt-To-Income Ratio | 20 | $1,920,000 | $96,000 | $355,000 | $84,000 | $343,000 |
| Credit History | 12 | $1,330,000 | $110,000 | $585,000 | $105,000 | $267,000 |
| Collateral | 8 | $1,090,000 | $136,000 | $535,000 | $518,000 | $3,336,000 |
| Unverifiable Information | 8 | $390,000 | $48,000 | $125,000 | $71,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess City & County Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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