City & County Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, City & County Credit Union of Saint Paul, MN reported 125 mortgage applications totaling $13.3 million, down 19% from 2012. The average application was for $106,608, and applicants reported an average income of $90,968. 39% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (119), Duluth, MN-WI (1) and St. Cloud, MN (1) (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 | 125 |
| Total Mortgage Loan Application Amount | $13,326,000 |
| Average Mortgage Loan Application Amount | $106,608 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $90,968 |
| Highest Applicant Income | $334,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 58 | $ 5,710,000 | $ 98,448 | $ 75,000 |
| Washington, Minnesota | 26 | $ 3,342,000 | $ 128,538 | $ 98,000 |
| Dakota, Minnesota | 11 | $ 1,498,000 | $ 136,181 | $ 101,000 |
| Hennepin, Minnesota | 8 | $ 948,000 | $ 118,500 | $ 153,000 |
| Anoka, Minnesota | 5 | $ 483,000 | $ 96,600 | $ 62,000 |
| Chisago, Minnesota | 4 | $ 279,000 | $ 69,750 | $ 98,000 |
| St. Croix, Wisconsin | 4 | $ 357,000 | $ 89,250 | $ 162,000 |
| Pine, Minnesota | 2 | $ 164,000 | $ 82,000 | $ 90,000 |
| Isanti, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Rice, Minnesota | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Scott, Minnesota | 1 | $ 60,000 | $ 60,000 | $ 126,000 |
| St. Louis, Minnesota | 1 | $ 103,000 | $ 103,000 | $ 96,000 |
| Stearns, Minnesota | 1 | $ 61,000 | $ 61,000 | $ 45,000 |
| Wright, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Polk, Wisconsin | 1 | $ 141,000 | $ 141,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2013
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 | 88 | $9,932,000 | $112,000 | $417,000 | $92,000 | $334,000 |
| Home Improvement | 21 | $1,098,000 | $52,000 | $200,000 | $95,000 | $161,000 |
| Home Purchase | 16 | $2,296,000 | $143,000 | $320,000 | $80,000 | $139,000 |
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 | 100 | $10,644,000 | $106,000 | $417,000 | $92,000 | $334,000 |
| Not Provided | 11 | $979,000 | $89,000 | $194,000 | $98,000 | $202,000 |
| Asian | 5 | $721,000 | $144,000 | $360,000 | $94,000 | $146,000 |
| Black or African American | 5 | $260,000 | $52,000 | $108,000 | $57,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $367,000 | $183,000 | $313,000 | $112,000 | $144,000 |
| Hispanic | 1 | $320,000 | $320,000 | $320,000 | $99,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $45,000 | $45,000 |
| 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) | 125 | $13,326,000 | $106,000 | $417,000 | $91,000 | $334,000 |
| 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 | 49 | $2,836,000 | $57,000 | $135,000 | $104,000 | $334,000 |
| Application Withdrawn By Applicant | 34 | $4,035,000 | $118,000 | $320,000 | $91,000 | $334,000 |
| Application Denied By Financial Institution | 23 | $3,482,000 | $151,000 | $417,000 | $65,000 | $330,000 |
| File Closed For Incompleteness | 18 | $2,948,000 | $163,000 | $313,000 | $90,000 | $144,000 |
| Application Approved But Not Accepted | 1 | $25,000 | $25,000 | $25,000 | $106,000 | $106,000 |
| 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 | 9 | $1,737,000 | $193,000 | $417,000 | $42,000 | $80,000 |
| Credit History | 7 | $982,000 | $140,000 | $262,000 | $106,000 | $330,000 |
| Collateral | 5 | $339,000 | $67,000 | $129,000 | $53,000 | $127,000 |
| Other | 1 | $252,000 | $252,000 | $252,000 | $76,000 | $76,000 |
| Employment History | 1 | $172,000 | $172,000 | $172,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2013 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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