City & County Credit Union Mortgage Lending & HMDA Data, 2006
In 2006, City & County Credit Union of Saint Paul, MN reported 861 mortgage applications totaling $43.9 million, down 16% from 2005. The average application was for $51,010, and applicants reported an average income of $77,499. 77% of its applications resulted in an originated loan and 10% were denied. Its largest market was Minneapolis-St. Paul-Bloomington, MN-WI (824).
| 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 | 861 |
| Total Mortgage Loan Application Amount | $43,920,000 |
| Average Mortgage Loan Application Amount | $51,010 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $77,499 |
| Highest Applicant Income | $543,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 331 | $ 14,103,000 | $ 42,607 | $ 69,000 |
| Washington, Minnesota | 161 | $ 9,357,000 | $ 58,118 | $ 88,000 |
| Dakota, Minnesota | 118 | $ 5,382,000 | $ 45,610 | $ 84,000 |
| Hennepin, Minnesota | 74 | $ 5,287,000 | $ 71,445 | $ 83,000 |
| Anoka, Minnesota | 56 | $ 4,026,000 | $ 71,892 | $ 85,000 |
| Chisago, Minnesota | 18 | $ 735,000 | $ 40,833 | $ 81,000 |
| Sherburne, Minnesota | 16 | $ 599,000 | $ 37,437 | $ 68,000 |
| St. Croix, Wisconsin | 15 | $ 852,000 | $ 56,800 | $ 73,000 |
| Scott, Minnesota | 9 | $ 337,000 | $ 37,444 | $ 86,000 |
| Wright, Minnesota | 9 | $ 336,000 | $ 37,333 | $ 90,000 |
| Pierce, Wisconsin | 9 | $ 656,000 | $ 72,888 | $ 64,000 |
| Burnett, Wisconsin | 8 | $ 462,000 | $ 57,750 | $ 79,000 |
| Isanti, Minnesota | 5 | $ 273,000 | $ 54,600 | $ 93,000 |
| Pine, Minnesota | 4 | $ 161,000 | $ 40,250 | $ 50,000 |
| Beltrami, Minnesota | 3 | $ 178,000 | $ 59,333 | $ 42,000 |
| Carver, Minnesota | 3 | $ 106,000 | $ 35,333 | $ 65,000 |
| Rice, Minnesota | 3 | $ 118,000 | $ 39,333 | $ 85,000 |
| Cass, Minnesota | 2 | $ 48,000 | $ 24,000 | $ 58,000 |
| Le Sueur, Minnesota | 2 | $ 63,000 | $ 31,500 | $ 44,000 |
| Mille Lacs, Minnesota | 2 | $ 82,000 | $ 41,000 | $ 52,000 |
| Olmsted, Minnesota | 2 | $ 91,000 | $ 45,500 | $ 122,000 |
| Polk, Wisconsin | 2 | $ 113,000 | $ 56,500 | $ 34,000 |
| Douglas, Minnesota | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Hubbard, Minnesota | 1 | $ 20,000 | $ 20,000 | $ 114,000 |
| Koochiching, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Meeker, Minnesota | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Otter Tail, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Stearns, Minnesota | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Wabasha, Minnesota | 1 | $ 60,000 | $ 60,000 | $ 93,000 |
| Washburn, Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2006
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 | 419 | $28,397,000 | $67,000 | $400,000 | $79,000 | $314,000 |
| Home Improvement | 306 | $7,702,000 | $25,000 | $176,000 | $77,000 | $543,000 |
| Home Purchase | 136 | $7,821,000 | $57,000 | $400,000 | $74,000 | $220,000 |
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 | 595 | $30,279,000 | $50,000 | $400,000 | $78,000 | $543,000 |
| Not Provided | 198 | $9,342,000 | $47,000 | $400,000 | $77,000 | $314,000 |
| Black or African American | 23 | $1,491,000 | $64,000 | $350,000 | $72,000 | $158,000 |
| Asian | 21 | $1,272,000 | $60,000 | $300,000 | $80,000 | $227,000 |
| Hispanic | 17 | $960,000 | $56,000 | $299,000 | $71,000 | $182,000 |
| American Indian or Alaskan Native | 4 | $246,000 | $61,000 | $194,000 | $81,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $330,000 | $110,000 | $204,000 | $83,000 | $118,000 |
| 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) | 861 | $43,920,000 | $51,000 | $400,000 | $78,000 | $543,000 |
| 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 | 660 | $31,804,000 | $48,000 | $400,000 | $80,000 | $543,000 |
| Application Denied By Financial Institution | 88 | $5,371,000 | $61,000 | $375,000 | $67,000 | $314,000 |
| Application Withdrawn By Applicant | 59 | $3,520,000 | $59,000 | $300,000 | $70,000 | $227,000 |
| Application Approved But Not Accepted | 36 | $1,850,000 | $51,000 | $204,000 | $65,000 | $145,000 |
| File Closed For Incompleteness | 17 | $1,175,000 | $69,000 | $400,000 | $89,000 | $314,000 |
| Preapproval Approved but not Accepted | 1 | $200,000 | $200,000 | $200,000 | $105,000 | $105,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2006 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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