City & County Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, City & County Credit Union of Saint Paul, MN reported 985 mortgage applications totaling $36.6 million. The average application was for $37,160, and applicants reported an average income of $59,752. 89% of its applications resulted in an originated loan and 7% were denied. Its largest market was Minneapolis-St. Paul, MN-WI (932).
| 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 | 985 |
| Total Mortgage Loan Application Amount | $36,603,000 |
| Average Mortgage Loan Application Amount | $37,160 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $59,752 |
| Highest Applicant Income | $288,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ramsey, Minnesota | 530 | $ 19,605,000 | $ 36,990 | $ 53,000 |
| Washington, Minnesota | 161 | $ 6,729,000 | $ 41,795 | $ 74,000 |
| Hennepin, Minnesota | 73 | $ 2,942,000 | $ 40,301 | $ 61,000 |
| Dakota, Minnesota | 70 | $ 1,594,000 | $ 22,771 | $ 59,000 |
| Anoka, Minnesota | 40 | $ 1,481,000 | $ 37,025 | $ 63,000 |
| Chisago, Minnesota | 31 | $ 903,000 | $ 29,129 | $ 68,000 |
| St. Croix, Wisconsin | 13 | $ 390,000 | $ 30,000 | $ 83,000 |
| Isanti, Minnesota | 10 | $ 228,000 | $ 22,800 | $ 49,000 |
| Wright, Minnesota | 7 | $ 257,000 | $ 36,714 | $ 56,000 |
| Scott, Minnesota | 5 | $ 280,000 | $ 56,000 | $ 99,000 |
| Stearns, Minnesota | 5 | $ 221,000 | $ 44,200 | $ 44,000 |
| Goodhue, Minnesota | 4 | $ 103,000 | $ 25,750 | $ 58,000 |
| Polk, Wisconsin | 4 | $ 223,000 | $ 55,750 | $ 71,000 |
| Pine, Minnesota | 3 | $ 186,000 | $ 62,000 | $ 48,000 |
| Sherburne, Minnesota | 3 | $ 23,000 | $ 7,666 | $ 44,000 |
| Burnett, Wisconsin | 3 | $ 56,000 | $ 18,666 | $ 35,000 |
| Carver, Minnesota | 2 | $ 114,000 | $ 57,000 | $ 97,000 |
| Hubbard, Minnesota | 2 | $ 196,000 | $ 98,000 | $ 79,000 |
| Itasca, Minnesota | 2 | $ 105,000 | $ 52,500 | $ 60,000 |
| Pennington, Minnesota | 2 | $ 45,000 | $ 22,500 | $ 66,000 |
| Pima, Arizona | 1 | $ 18,000 | $ 18,000 | $ 29,000 |
| Blue Earth, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Carlton, Minnesota | 1 | $ 3,000 | $ 3,000 | $ 48,000 |
| Chippewa, Minnesota | 1 | $ 19,000 | $ 19,000 | $ 31,000 |
| Cottonwood, Minnesota | 1 | $ 2,000 | $ 2,000 | $ 41,000 |
| Douglas, Minnesota | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Fillmore, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Kanabec, Minnesota | 1 | $ 68,000 | $ 68,000 | $ 40,000 |
| McLeod, Minnesota | 1 | $ 2,000 | $ 2,000 | $ 25,000 |
| Meeker, Minnesota | 1 | $ 12,000 | $ 12,000 | $ 60,000 |
| Olmsted, Minnesota | 1 | $ 120,000 | $ 120,000 | $ 106,000 |
| Pope, Minnesota | 1 | $ 47,000 | $ 47,000 | $ 47,000 |
| Rice, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 121,000 |
| Wadena, Minnesota | 1 | $ 51,000 | $ 51,000 | $ 63,000 |
| Pierce, Wisconsin | 1 | $ 27,000 | $ 27,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2003
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 Improvement (one-to-four family) | 562 | $9,300,000 | $15,000 | $185,000 | $49,000 | $164,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 394 | $24,993,000 | $57,000 | $400,000 | $67,500 | $288,000 |
| Home Purchase (one-to-four family) | 29 | $2,310,000 | $89,000 | $355,000 | $85,500 | $167,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 695 | $27,359,000 | $29,000 | $400,000 | $51,000 | $288,000 |
| Information not provided by applicant in mail or telephone application | 158 | $3,388,000 | $44,500 | $129,000 | $69,000 | $157,000 |
| Black | 53 | $1,983,000 | $37,000 | $255,000 | $62,000 | $147,000 |
| Hispanic | 33 | $1,009,000 | $23,000 | $99,000 | $65,000 | $150,000 |
| Asian or Pacific Islander | 26 | $1,320,000 | $50,000 | $355,000 | $67,000 | $167,000 |
| American Indian or Alaskan Native | 11 | $1,246,000 | $113,000 | $248,000 | $64,000 | $119,000 |
| Other | 9 | $298,000 | $22,000 | $100,000 | $84,500 | $125,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 984 | $36,573,000 | $29,333 | $400,000 | $53,333 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $30,000 | $30,000 | $30,000 | $110,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 875 | $32,461,000 | $30,000 | $355,000 | $57,000 | $288,000 |
| Application Denied By Financial Institution | 69 | $1,758,000 | $20,500 | $200,000 | $34,500 | $129,000 |
| Application Withdrawn By Applicant | 33 | $1,809,000 | $29,000 | $400,000 | $58,500 | $119,000 |
| File Closed For Incompleteness | 8 | $575,000 | $71,000 | $185,000 | $70,000 | $113,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 36 | $892,000 | $24,000 | $200,000 | $52,000 | $101,000 |
| Debt-To-Income Ratio | 17 | $342,000 | $18,000 | $100,000 | $32,000 | $94,000 |
| Other | 12 | $449,000 | $37,000 | $78,000 | $48,000 | $129,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2003 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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