City & County Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, City & County Credit Union of Saint Paul, MN reported 1,024 mortgage applications totaling $54.5 million, up 17% from 2004. The average application was for $53,244, and applicants reported an average income of $72,153. 86% of its applications resulted in an originated loan and 8% were denied. Its largest market was Minneapolis-St. Paul-Bloomington, MN-WI (951).
| 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 | 1,024 |
| Total Mortgage Loan Application Amount | $54,522,000 |
| Average Mortgage Loan Application Amount | $53,244 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $72,153 |
| Highest Applicant Income | $313,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 459 | $ 24,620,000 | $ 53,638 | $ 54,000 |
| Washington, Minnesota | 200 | $ 11,081,000 | $ 55,405 | $ 88,000 |
| Dakota, Minnesota | 116 | $ 5,404,000 | $ 46,586 | $ 84,000 |
| Anoka, Minnesota | 71 | $ 3,781,000 | $ 53,253 | $ 92,000 |
| Hennepin, Minnesota | 53 | $ 3,236,000 | $ 61,056 | $ 69,000 |
| Chisago, Minnesota | 17 | $ 1,117,000 | $ 65,705 | $ 76,000 |
| Wright, Minnesota | 15 | $ 895,000 | $ 59,666 | $ 61,000 |
| St. Croix, Wisconsin | 13 | $ 360,000 | $ 27,692 | $ 79,000 |
| Sherburne, Minnesota | 9 | $ 680,000 | $ 75,555 | $ 61,000 |
| Pine, Minnesota | 8 | $ 426,000 | $ 53,250 | $ 85,000 |
| Scott, Minnesota | 7 | $ 650,000 | $ 92,857 | $ 101,000 |
| Polk, Wisconsin | 7 | $ 491,000 | $ 70,142 | $ 76,000 |
| Rice, Minnesota | 5 | $ 102,000 | $ 20,400 | $ 54,000 |
| St. Louis, Minnesota | 5 | $ 162,000 | $ 32,400 | $ 59,000 |
| Otter Tail, Minnesota | 4 | $ 70,000 | $ 17,500 | $ 53,000 |
| Pierce, Wisconsin | 4 | $ 124,000 | $ 31,000 | $ 99,000 |
| Blue Earth, Minnesota | 2 | $ 33,000 | $ 16,500 | $ 77,000 |
| Carver, Minnesota | 2 | $ 50,000 | $ 25,000 | $ 76,000 |
| Chippewa, Minnesota | 2 | $ 43,000 | $ 21,500 | $ 35,000 |
| Crow Wing, Minnesota | 2 | $ 50,000 | $ 25,000 | $ 36,000 |
| Isanti, Minnesota | 2 | $ 102,000 | $ 51,000 | $ 65,000 |
| Kanabec, Minnesota | 2 | $ 186,000 | $ 93,000 | $ 63,000 |
| Pope, Minnesota | 2 | $ 25,000 | $ 12,500 | $ 38,000 |
| Stearns, Minnesota | 2 | $ 184,000 | $ 92,000 | $ 57,000 |
| Washburn, Wisconsin | 2 | $ 45,000 | $ 22,500 | $ 61,000 |
| Cook, Minnesota | 1 | $ 93,000 | $ 93,000 | $ 129,000 |
| Dodge, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Faribault, Minnesota | 1 | $ 8,000 | $ 8,000 | $ 16,000 |
| Hubbard, Minnesota | 1 | $ 123,000 | $ 123,000 | $ 106,000 |
| Itasca, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Le Sueur, Minnesota | 1 | $ 12,000 | $ 12,000 | $ 24,000 |
| McLeod, Minnesota | 1 | $ 8,000 | $ 8,000 | $ 75,000 |
| Morrison, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Nicollet, Minnesota | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Olmsted, Minnesota | 1 | $ 34,000 | $ 34,000 | $ 41,000 |
| Swift, Minnesota | 1 | $ 36,000 | $ 36,000 | $ 80,000 |
| Barron, Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 172,000 |
| Eau Claire, Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 515 | $38,200,000 | $70,500 | $400,000 | $87,500 | $250,000 |
| Home Improvement | 382 | $9,236,000 | $20,000 | $300,000 | $67,000 | $313,000 |
| Home Purchase | 127 | $7,086,000 | $45,000 | $300,000 | $69,000 | $313,000 |
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 | 533 | $28,464,000 | $44,500 | $336,000 | $79,500 | $313,000 |
| Not Provided | 392 | $18,965,000 | $53,500 | $400,000 | $69,500 | $230,000 |
| Black or African American | 39 | $2,463,000 | $64,000 | $175,000 | $66,000 | $143,000 |
| Asian | 27 | $2,168,000 | $80,000 | $300,000 | $73,000 | $250,000 |
| Hispanic | 24 | $1,696,000 | $48,500 | $184,000 | $92,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $198,000 | $39,000 | $69,000 | $76,000 | $130,000 |
| American Indian or Alaskan Native | 4 | $568,000 | $142,000 | $279,000 | $71,000 | $121,000 |
| 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) | 1,024 | $54,522,000 | $47,500 | $400,000 | $76,000 | $313,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 881 | $46,509,000 | $47,000 | $308,000 | $78,000 | $313,000 |
| Application Denied By Financial Institution | 86 | $4,048,000 | $55,500 | $337,000 | $73,000 | $187,000 |
| Application Withdrawn By Applicant | 50 | $3,302,000 | $66,000 | $400,000 | $68,000 | $313,000 |
| File Closed For Incompleteness | 5 | $409,000 | $81,000 | $175,000 | $73,000 | $126,000 |
| Application Approved But Not Accepted | 2 | $254,000 | $127,000 | $239,000 | $43,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $770,000 | $59,000 | $337,000 | $60,000 | $163,000 |
| Credit History | 10 | $440,000 | $44,000 | $160,000 | $65,000 | $90,000 |
| Employment History | 1 | $24,000 | $24,000 | $24,000 | $0 | $0 |
| Other | 1 | $8,000 | $8,000 | $8,000 | $75,000 | $75,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2005 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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with aggregated HMDA statistics today.
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