City & County Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, City & County Credit Union of Saint Paul, MN reported 696 mortgage applications totaling $125.0 million, up 132% from 2018. The average application was for $179,525, and applicants reported an average income of $118,265. 58% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (527), Nashville-Davidson--Murfreesboro--Franklin, TN (16) and Rockford, IL (7) (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 | 696 |
| Total Mortgage Loan Application Amount | $124,950,000 |
| Average Mortgage Loan Application Amount | $179,525 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $118,265 |
| Highest Applicant Income | $1,760,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hennepin, Minnesota | 158 | $ 37,850,000 | $ 239,556 | $ 163,000 |
| Ramsey, Minnesota | 141 | $ 18,225,000 | $ 129,255 | $ 87,000 |
| Washington, Minnesota | 96 | $ 18,590,000 | $ 193,645 | $ 128,000 |
| Dakota, Minnesota | 39 | $ 6,415,000 | $ 164,487 | $ 100,000 |
| Anoka, Minnesota | 31 | $ 6,045,000 | $ 195,000 | $ 100,000 |
| St. Croix, Wisconsin | 16 | $ 2,990,000 | $ 186,875 | $ 105,000 |
| Marion, Missouri | 15 | $ 1,555,000 | $ 103,666 | $ 58,000 |
| Rutherford, Tennessee | 15 | $ 2,055,000 | $ 137,000 | $ 79,000 |
| Sherburne, Minnesota | 11 | $ 1,005,000 | $ 91,363 | $ 91,000 |
| Wright, Minnesota | 9 | $ 1,445,000 | $ 160,555 | $ 117,000 |
| Ralls, Missouri | 9 | $ 665,000 | $ 73,888 | $ 69,000 |
| Carver, Minnesota | 8 | $ 1,900,000 | $ 237,500 | $ 137,000 |
| Chisago, Minnesota | 8 | $ 1,340,000 | $ 167,500 | $ 91,000 |
| Miami-Dade, Florida | 6 | $ 1,420,000 | $ 236,666 | $ 91,000 |
| Boone, Illinois | 5 | $ 455,000 | $ 91,000 | $ 83,000 |
| Scott, Minnesota | 5 | $ 905,000 | $ 181,000 | $ 129,000 |
| Bedford, Tennessee | 4 | $ 550,000 | $ 137,500 | $ 84,000 |
| Maricopa, Arizona | 3 | $ 1,225,000 | $ 408,333 | $ 231,000 |
| Los Angeles, California | 3 | $ 675,000 | $ 225,000 | $ 216,000 |
| Linn, Iowa | 3 | $ 265,000 | $ 88,333 | $ 103,000 |
| Pine, Minnesota | 3 | $ 545,000 | $ 181,666 | $ 81,000 |
| Clark, Nevada | 3 | $ 565,000 | $ 188,333 | $ 93,000 |
| Bernalillo, New Mexico | 3 | $ 785,000 | $ 261,666 | $ 88,000 |
| Burnett, Wisconsin | 3 | $ 275,000 | $ 91,666 | $ 45,000 |
| Pierce, Wisconsin | 3 | $ 765,000 | $ 255,000 | $ 89,000 |
| Benton, Arkansas | 2 | $ 640,000 | $ 320,000 | $ 177,000 |
| San Diego, California | 2 | $ 800,000 | $ 400,000 | $ 138,000 |
| Broward, Florida | 2 | $ 210,000 | $ 105,000 | $ 129,000 |
| Gwinnett, Georgia | 2 | $ 320,000 | $ 160,000 | $ 112,000 |
| Newton, Georgia | 2 | $ 280,000 | $ 140,000 | $ 107,000 |
| Winnebago, Illinois | 2 | $ 280,000 | $ 140,000 | $ 66,000 |
| Benton, Iowa | 2 | $ 210,000 | $ 105,000 | $ 98,000 |
| Mecosta, Michigan | 2 | $ 280,000 | $ 140,000 | $ 79,000 |
| Oakland, Michigan | 2 | $ 200,000 | $ 100,000 | $ 99,000 |
| Cass, Minnesota | 2 | $ 190,000 | $ 95,000 | $ 103,000 |
| Crow Wing, Minnesota | 2 | $ 150,000 | $ 75,000 | $ 86,000 |
| St. Louis, Minnesota | 2 | $ 160,000 | $ 80,000 | $ 96,000 |
| Newton, Missouri | 2 | $ 200,000 | $ 100,000 | $ 108,000 |
| St. Louis, Missouri | 2 | $ 350,000 | $ 175,000 | $ 222,000 |
| Loudoun, Virginia | 2 | $ 480,000 | $ 240,000 | $ 161,000 |
| Polk, Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 89,000 |
| Washburn, Wisconsin | 2 | $ 590,000 | $ 295,000 | $ 227,000 |
| Hot Spring, Arkansas | 1 | $ 475,000 | $ 475,000 | $ 203,000 |
| Orange, California | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Douglas, Colorado | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Hillsborough, Florida | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Manatee, Florida | 1 | $ 115,000 | $ 115,000 | $ 130,000 |
| Marion, Florida | 1 | $ 195,000 | $ 195,000 | $ 160,000 |
| Seminole, Florida | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| St. Lucie, Florida | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Cobb, Georgia | 1 | $ 335,000 | $ 335,000 | $ 175,000 |
| DeKalb, Georgia | 1 | $ 235,000 | $ 235,000 | $ 134,000 |
| Adams, Illinois | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Cook, Illinois | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| DeKalb, Illinois | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Pike, Illinois | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Wayne, Indiana | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Johnson, Iowa | 1 | $ 355,000 | $ 355,000 | $ 223,000 |
| McCracken, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| York, Maine | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Montgomery, Maryland | 1 | $ 265,000 | $ 265,000 | $ 249,000 |
| Lake, Michigan | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Cook, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 322,000 |
| Goodhue, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Isanti, Minnesota | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Kanabec, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 211,000 |
| Koochiching, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 153,000 |
| Lake, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 190,000 |
| Le Sueur, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Pope, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Renville, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 71,000 |
| Waseca, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Jasper, Missouri | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Johnson, Missouri | 1 | $ 65,000 | $ 65,000 | $ 224,000 |
| St. Charles, Missouri | 1 | $ 185,000 | $ 185,000 | $ 215,000 |
| Ravalli, Montana | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Cass, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Otero, New Mexico | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Erie, New York | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Butler, Ohio | 1 | $ 215,000 | $ 215,000 | $ 160,000 |
| Mahoning, Ohio | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Morrow, Ohio | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Warren, Ohio | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Washington, Oregon | 1 | $ 655,000 | $ 655,000 | $ 220,000 |
| Carbon, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Luzerne, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Custer, South Dakota | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Cannon, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Warren, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Smith, Texas | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Travis, Texas | 1 | $ 325,000 | $ 325,000 | $ 316,000 |
| Davis, Utah | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Summit, Utah | 1 | $ 445,000 | $ 445,000 | $ 369,000 |
| Wasatch, Utah | 1 | $ 25,000 | $ 25,000 | $ 321,000 |
| Skagit, Washington | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Barron, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| La Crosse, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Walworth, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2019
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 | 202 | $54,110,000 | $267,000 | $1,255,000 | $121,000 | $542,000 |
| Refinancing | 162 | $28,620,000 | $176,000 | $535,000 | $131,000 | $1,760,000 |
| Cash-out Refinancing | 131 | $29,465,000 | $224,000 | $705,000 | $101,000 | $363,000 |
| Home Improvement | 117 | $7,285,000 | $62,000 | $325,000 | $114,000 | $348,000 |
| Other Purpose | 84 | $5,470,000 | $65,000 | $385,000 | $120,000 | $513,000 |
| 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 | 514 | $90,830,000 | $176,000 | $825,000 | $114,000 | $542,000 |
| Not Provided | 79 | $15,165,000 | $191,000 | $1,255,000 | $159,000 | $1,760,000 |
| Hispanic | 35 | $7,235,000 | $206,000 | $1,045,000 | $114,000 | $455,000 |
| Black or African American | 29 | $5,635,000 | $194,000 | $505,000 | $111,000 | $673,000 |
| Asian | 21 | $3,495,000 | $166,000 | $465,000 | $97,000 | $232,000 |
| Not applicable | 6 | $300,000 | $50,000 | $75,000 | $121,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $845,000 | $169,000 | $245,000 | $69,000 | $130,000 |
| American Indian or Alaskan Native | 3 | $455,000 | $151,000 | $205,000 | $86,000 | $109,000 |
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) | 696 | $124,950,000 | $179,000 | $1,255,000 | $118,000 | $1,760,000 |
| 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 | 407 | $75,765,000 | $186,000 | $1,045,000 | $120,000 | $513,000 |
| Application Denied By Financial Institution | 138 | $18,720,000 | $135,000 | $475,000 | $86,000 | $673,000 |
| Application Withdrawn By Applicant | 122 | $24,310,000 | $199,000 | $1,255,000 | $149,000 | $1,760,000 |
| Application Approved But Not Accepted | 17 | $3,745,000 | $220,000 | $695,000 | $105,000 | $278,000 |
| File Closed For Incompleteness | 12 | $2,410,000 | $200,000 | $375,000 | $128,000 | $316,000 |
| 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 | 696 | $124,950,000 | $179,000 | $1,255,000 | $118,000 | $1,760,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2019 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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