City & County Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, City & County Credit Union of Saint Paul, MN reported 607 mortgage applications totaling $103.9 million, down 19% from 2021. The average application was for $171,210, and applicants reported an average income of $120,546. 57% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (463), Atlanta-Sandy Springs-Roswell, GA (8) and Cedar Rapids, IA (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 | 607 |
| Total Mortgage Loan Application Amount | $103,925,000 |
| Average Mortgage Loan Application Amount | $171,210 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $120,546 |
| Highest Applicant Income | $768,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 134 | $ 16,280,000 | $ 121,492 | $ 95,000 |
| Washington, Minnesota | 107 | $ 16,045,000 | $ 149,953 | $ 131,000 |
| Hennepin, Minnesota | 98 | $ 21,140,000 | $ 215,714 | $ 152,000 |
| Dakota, Minnesota | 47 | $ 7,785,000 | $ 165,638 | $ 126,000 |
| Anoka, Minnesota | 23 | $ 3,065,000 | $ 133,260 | $ 107,000 |
| Wright, Minnesota | 15 | $ 2,615,000 | $ 174,333 | $ 128,000 |
| Carver, Minnesota | 12 | $ 3,940,000 | $ 328,333 | $ 161,000 |
| Scott, Minnesota | 8 | $ 1,180,000 | $ 147,500 | $ 122,000 |
| Marion, Missouri | 8 | $ 740,000 | $ 92,500 | $ 61,000 |
| Linn, Iowa | 6 | $ 840,000 | $ 140,000 | $ 83,000 |
| Chisago, Minnesota | 6 | $ 380,000 | $ 63,333 | $ 84,000 |
| St. Croix, Wisconsin | 6 | $ 1,340,000 | $ 223,333 | $ 139,000 |
| Boone, Illinois | 4 | $ 810,000 | $ 202,500 | $ 227,000 |
| Maricopa, Arizona | 3 | $ 495,000 | $ 165,000 | $ 157,000 |
| Rutherford, Tennessee | 3 | $ 565,000 | $ 188,333 | $ 100,000 |
| Larimer, Colorado | 2 | $ 450,000 | $ 225,000 | $ 225,000 |
| Barrow, Georgia | 2 | $ 230,000 | $ 115,000 | $ 86,000 |
| DeKalb, Georgia | 2 | $ 80,000 | $ 40,000 | $ 66,000 |
| Newton, Georgia | 2 | $ 360,000 | $ 180,000 | $ 90,000 |
| Isanti, Minnesota | 2 | $ 360,000 | $ 180,000 | $ 89,000 |
| Sherburne, Minnesota | 2 | $ 400,000 | $ 200,000 | $ 107,000 |
| Jasper, Missouri | 2 | $ 180,000 | $ 90,000 | $ 146,000 |
| Newton, Missouri | 2 | $ 110,000 | $ 55,000 | $ 68,000 |
| Ralls, Missouri | 2 | $ 120,000 | $ 60,000 | $ 82,000 |
| Montgomery, Ohio | 2 | $ 80,000 | $ 40,000 | $ 91,000 |
| Bedford, Tennessee | 2 | $ 90,000 | $ 45,000 | $ 69,000 |
| Cannon, Tennessee | 2 | $ 500,000 | $ 250,000 | $ 105,000 |
| Dallas, Texas | 2 | $ 1,350,000 | $ 675,000 | $ 160,000 |
| Sawyer, Wisconsin | 2 | $ 520,000 | $ 260,000 | $ 170,000 |
| Benton, Arkansas | 1 | $ 365,000 | $ 365,000 | $ 249,000 |
| Humboldt, California | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Denver, Colorado | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Broward, Florida | 1 | $ 65,000 | $ 65,000 | $ 181,000 |
| Charlotte, Florida | 1 | $ 25,000 | $ 25,000 | $ 89,000 |
| Hillsborough, Florida | 1 | $ 185,000 | $ 185,000 | $ 245,000 |
| Lee, Florida | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Palm Beach, Florida | 1 | $ 545,000 | $ 545,000 | $ 93,000 |
| Volusia, Florida | 1 | $ 205,000 | $ 205,000 | $ 177,000 |
| Cherokee, Georgia | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Fulton, Georgia | 1 | $ 425,000 | $ 425,000 | $ 294,000 |
| Canyon, Idaho | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Kootenai, Idaho | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Cook, Illinois | 1 | $ 375,000 | $ 375,000 | $ 196,000 |
| DeKalb, Illinois | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Franklin, Illinois | 1 | $ 195,000 | $ 195,000 | $ 140,000 |
| Ogle, Illinois | 1 | $ 35,000 | $ 35,000 | $ 119,000 |
| Pike, Illinois | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Winnebago, Illinois | 1 | $ 405,000 | $ 405,000 | $ 142,000 |
| Franklin, Indiana | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Wayne, Indiana | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Benton, Iowa | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Oldham, Kentucky | 1 | $ 345,000 | $ 345,000 | $ 101,000 |
| Prince George's, Maryland | 1 | $ 425,000 | $ 425,000 | $ 107,000 |
| Ottawa, Michigan | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
| Aitkin, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Blue Earth, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Crow Wing, Minnesota | 1 | $ 495,000 | $ 495,000 | $ 312,000 |
| Goodhue, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Le Sueur, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| McLeod, Minnesota | 1 | $ 415,000 | $ 415,000 | $ 264,000 |
| Mille Lacs, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Rice, Minnesota | 1 | $ 485,000 | $ 485,000 | $ 351,000 |
| Sibley, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 189,000 |
| St. Louis, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 193,000 |
| Stearns, Minnesota | 1 | $ 505,000 | $ 505,000 | $ 554,000 |
| Wabasha, Minnesota | 1 | $ 335,000 | $ 335,000 | $ 130,000 |
| Wadena, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 105,000 |
| Clay, Missouri | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Pike, Missouri | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Platte, Missouri | 1 | $ 385,000 | $ 385,000 | $ 182,000 |
| Warren, Missouri | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Cass, Nebraska | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Clark, Nevada | 1 | $ 175,000 | $ 175,000 | $ 1,000 |
| Bernalillo, New Mexico | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Sandoval, New Mexico | 1 | $ 485,000 | $ 485,000 | $ 173,000 |
| Cass, North Dakota | 1 | $ 275,000 | $ 275,000 | $ 53,000 |
| Jackson, Ohio | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Warren, Ohio | 1 | $ 95,000 | $ 95,000 | $ 176,000 |
| Greenville, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 228,000 |
| Tarrant, Texas | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Washington, Utah | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Brown, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 361,000 |
| Burnett, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Douglas, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 236,000 |
| Eau Claire, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Marathon, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 350,000 |
| Milwaukee, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Pierce, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 121,000 |
| Waukesha, Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2022
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 | 175 | $54,105,000 | $309,000 | $1,105,000 | $132,000 | $554,000 |
| Home Improvement | 162 | $10,340,000 | $63,000 | $275,000 | $122,000 | $768,000 |
| Other Purpose | 110 | $7,810,000 | $71,000 | $305,000 | $119,000 | $343,000 |
| Refinancing | 98 | $16,580,000 | $169,000 | $815,000 | $108,000 | $432,000 |
| Cash-out Refinancing | 62 | $15,090,000 | $243,000 | $825,000 | $107,000 | $300,000 |
| 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 | 429 | $69,545,000 | $162,000 | $885,000 | $121,000 | $432,000 |
| Not Provided | 69 | $14,945,000 | $216,000 | $1,105,000 | $118,000 | $554,000 |
| Black or African American | 35 | $7,015,000 | $200,000 | $615,000 | $135,000 | $768,000 |
| Hispanic | 32 | $4,980,000 | $155,000 | $615,000 | $121,000 | $379,000 |
| Asian | 31 | $6,085,000 | $196,000 | $625,000 | $118,000 | $272,000 |
| American Indian or Alaskan Native | 5 | $485,000 | $97,000 | $225,000 | $79,000 | $158,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 607 | $103,925,000 | $171,000 | $1,105,000 | $120,000 | $768,000 |
| 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 | 344 | $64,290,000 | $186,000 | $1,105,000 | $135,000 | $554,000 |
| Application Denied By Financial Institution | 132 | $15,520,000 | $117,000 | $495,000 | $88,000 | $768,000 |
| Application Withdrawn By Applicant | 110 | $20,500,000 | $186,000 | $725,000 | $112,000 | $373,000 |
| File Closed For Incompleteness | 18 | $3,440,000 | $191,000 | $625,000 | $135,000 | $361,000 |
| Application Approved But Not Accepted | 3 | $175,000 | $58,000 | $105,000 | $79,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 475 | $88,405,000 | $186,000 | $1,105,000 | $129,000 | $554,000 |
| Other | 60 | $7,980,000 | $133,000 | $495,000 | $89,000 | $240,000 |
| Debt-To-Income Ratio | 27 | $4,475,000 | $165,000 | $455,000 | $71,000 | $170,000 |
| Credit History | 25 | $1,885,000 | $75,000 | $255,000 | $84,000 | $162,000 |
| Collateral | 12 | $660,000 | $55,000 | $205,000 | $65,000 | $128,000 |
| Unverifiable Information | 7 | $325,000 | $46,000 | $135,000 | $199,000 | $768,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $115,000 | $115,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2022 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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