City & County Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, City & County Credit Union of Saint Paul, MN reported 749 mortgage applications totaling $149.0 million, down 12% from 2020. The average application was for $198,925, and applicants reported an average income of $111,109. 57% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (524), Nashville-Davidson--Murfreesboro--Franklin, TN (6) and Rockford, IL (6) (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 | 749 |
| Total Mortgage Loan Application Amount | $148,995,000 |
| Average Mortgage Loan Application Amount | $198,925 |
| Highest Mortgage Loan Application Amount | $1,785,000 |
| Average Applicant Income | $111,109 |
| Highest Applicant Income | $1,560,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 135 | $ 21,865,000 | $ 161,962 | $ 93,000 |
| Hennepin, Minnesota | 125 | $ 34,525,000 | $ 276,200 | $ 138,000 |
| Washington, Minnesota | 117 | $ 23,165,000 | $ 197,991 | $ 105,000 |
| Dakota, Minnesota | 50 | $ 9,860,000 | $ 197,200 | $ 95,000 |
| Anoka, Minnesota | 36 | $ 7,990,000 | $ 221,944 | $ 92,000 |
| Chisago, Minnesota | 17 | $ 3,295,000 | $ 193,823 | $ 98,000 |
| Carver, Minnesota | 14 | $ 3,450,000 | $ 246,428 | $ 139,000 |
| Wright, Minnesota | 9 | $ 1,735,000 | $ 192,777 | $ 109,000 |
| St. Croix, Wisconsin | 8 | $ 1,970,000 | $ 246,250 | $ 105,000 |
| Scott, Minnesota | 6 | $ 1,140,000 | $ 190,000 | $ 98,000 |
| Ralls, Missouri | 6 | $ 780,000 | $ 130,000 | $ 71,000 |
| Linn, Iowa | 5 | $ 1,115,000 | $ 223,000 | $ 97,000 |
| Marion, Missouri | 5 | $ 445,000 | $ 89,000 | $ 58,000 |
| Jasper, Missouri | 4 | $ 1,140,000 | $ 285,000 | $ 127,000 |
| Rutherford, Tennessee | 4 | $ 720,000 | $ 180,000 | $ 98,000 |
| Burnett, Wisconsin | 4 | $ 400,000 | $ 100,000 | $ 78,000 |
| Newton, Georgia | 3 | $ 615,000 | $ 205,000 | $ 85,000 |
| Boone, Illinois | 3 | $ 455,000 | $ 151,666 | $ 85,000 |
| Winnebago, Illinois | 3 | $ 375,000 | $ 125,000 | $ 95,000 |
| Crow Wing, Minnesota | 3 | $ 465,000 | $ 155,000 | $ 86,000 |
| Pine, Minnesota | 3 | $ 595,000 | $ 198,333 | $ 129,000 |
| Sherburne, Minnesota | 3 | $ 775,000 | $ 258,333 | $ 145,000 |
| St. Louis, Minnesota | 3 | $ 495,000 | $ 165,000 | $ 122,000 |
| Bedford, Tennessee | 3 | $ 155,000 | $ 51,666 | $ 61,000 |
| Bay, Florida | 2 | $ 210,000 | $ 105,000 | $ 211,000 |
| Cook, Illinois | 2 | $ 530,000 | $ 265,000 | $ 125,000 |
| Polk, Iowa | 2 | $ 380,000 | $ 190,000 | $ 82,000 |
| Isanti, Minnesota | 2 | $ 130,000 | $ 65,000 | $ 71,000 |
| Mille Lacs, Minnesota | 2 | $ 70,000 | $ 35,000 | $ 104,000 |
| Pike, Missouri | 2 | $ 250,000 | $ 125,000 | $ 115,000 |
| St. Charles, Missouri | 2 | $ 370,000 | $ 185,000 | $ 167,000 |
| Polk, Wisconsin | 2 | $ 400,000 | $ 200,000 | $ 94,000 |
| Jefferson, Alabama | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Benton, Arkansas | 1 | $ 585,000 | $ 585,000 | $ 138,000 |
| Douglas, Colorado | 1 | $ 675,000 | $ 675,000 | $ 153,000 |
| Broward, Florida | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Citrus, Florida | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Hernando, Florida | 1 | $ 25,000 | $ 25,000 | $ 18,000 |
| Indian River, Florida | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Manatee, Florida | 1 | $ 235,000 | $ 235,000 | $ 102,000 |
| Miami-Dade, Florida | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Orange, Florida | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Sarasota, Florida | 1 | $ 375,000 | $ 375,000 | $ 210,000 |
| Jasper, Georgia | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Walton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 113,000 |
| Lake, Illinois | 1 | $ 435,000 | $ 435,000 | $ 182,000 |
| Allen, Indiana | 1 | $ 195,000 | $ 195,000 | $ 177,000 |
| Cass, Iowa | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Dallas, Iowa | 1 | $ 225,000 | $ 225,000 | $ 240,000 |
| Warren, Iowa | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Jefferson, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Grand Traverse, Michigan | 1 | $ 275,000 | $ 275,000 | $ 175,000 |
| Mecosta, Michigan | 1 | $ 215,000 | $ 215,000 | $ 235,000 |
| Aitkin, Minnesota | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Carlton, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 132,000 |
| Cass, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Cook, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 210,000 |
| Fillmore, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Goodhue, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 143,000 |
| Kanabec, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 1,560,000 |
| Renville, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Stevens, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Lewis, Missouri | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Newton, Missouri | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Judith Basin, Montana | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Bernalillo, New Mexico | 1 | $ 785,000 | $ 785,000 | $ 289,000 |
| Sandoval, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Athens, Ohio | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| Butler, Ohio | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Lane, Oregon | 1 | $ 505,000 | $ 505,000 | $ 140,000 |
| Allegheny, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Beaufort, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Minnehaha, South Dakota | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Coffee, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Lincoln, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Sumner, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Williamson, Tennessee | 1 | $ 495,000 | $ 495,000 | $ 113,000 |
| Harris, Texas | 1 | $ 1,785,000 | $ 1,785,000 | $ 520,000 |
| Weber, Utah | 1 | $ 405,000 | $ 405,000 | $ 142,000 |
| Crawford, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Milwaukee, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Sawyer, Wisconsin | 1 | $ 535,000 | $ 535,000 | $ 90,000 |
| Washburn, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 132,000 |
| Waukesha, Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2021
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 | 264 | $53,430,000 | $202,000 | $705,000 | $103,000 | $336,000 |
| Cash-out Refinancing | 167 | $36,635,000 | $219,000 | $705,000 | $100,000 | $347,000 |
| Home Purchase | 160 | $49,090,000 | $306,000 | $1,785,000 | $120,000 | $520,000 |
| Home Improvement | 95 | $6,055,000 | $63,000 | $455,000 | $127,000 | $1,260,000 |
| Other Purpose | 63 | $3,785,000 | $60,000 | $255,000 | $128,000 | $1,560,000 |
| 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 | 536 | $102,010,000 | $190,000 | $1,785,000 | $108,000 | $1,260,000 |
| Not Provided | 102 | $21,480,000 | $210,000 | $675,000 | $128,000 | $1,560,000 |
| Asian | 37 | $8,485,000 | $229,000 | $1,205,000 | $92,000 | $312,000 |
| Black or African American | 37 | $8,155,000 | $220,000 | $505,000 | $113,000 | $336,000 |
| Hispanic | 28 | $6,920,000 | $247,000 | $785,000 | $128,000 | $300,000 |
| American Indian or Alaskan Native | 3 | $315,000 | $105,000 | $135,000 | $81,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $320,000 | $160,000 | $175,000 | $119,000 | $155,000 |
| Not applicable | 1 | $85,000 | $85,000 | $85,000 | $91,000 | $91,000 |
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) | 749 | $148,995,000 | $198,000 | $1,785,000 | $111,000 | $1,560,000 |
| 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 | 424 | $93,710,000 | $221,000 | $1,785,000 | $112,000 | $520,000 |
| Application Withdrawn By Applicant | 186 | $34,570,000 | $185,000 | $1,205,000 | $128,000 | $1,560,000 |
| Application Denied By Financial Institution | 115 | $15,275,000 | $132,000 | $485,000 | $79,000 | $300,000 |
| File Closed For Incompleteness | 20 | $4,780,000 | $239,000 | $565,000 | $127,000 | $304,000 |
| Application Approved But Not Accepted | 3 | $495,000 | $165,000 | $245,000 | $101,000 | $128,000 |
| Loan Purchased By The Institution | 1 | $165,000 | $165,000 | $165,000 | $105,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 634 | $133,720,000 | $210,000 | $1,785,000 | $117,000 | $1,560,000 |
| Credit History | 38 | $4,370,000 | $115,000 | $305,000 | $90,000 | $196,000 |
| Other | 34 | $4,920,000 | $144,000 | $445,000 | $83,000 | $286,000 |
| Debt-To-Income Ratio | 31 | $4,645,000 | $149,000 | $485,000 | $55,000 | $176,000 |
| Collateral | 8 | $380,000 | $47,000 | $95,000 | $79,000 | $130,000 |
| Unverifiable Information | 3 | $825,000 | $275,000 | $455,000 | $138,000 | $300,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $55,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2021 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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