City & County Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, City & County Credit Union of Saint Paul, MN reported 526 mortgage applications totaling $80.7 million, down 13% from 2022. The average application was for $153,498, and applicants reported an average income of $143,072. 52% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (385), Cincinnati, OH-KY-IN (3) and Duluth, MN-WI (3) (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 | 526 |
| Total Mortgage Loan Application Amount | $80,740,000 |
| Average Mortgage Loan Application Amount | $153,498 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $143,072 |
| Highest Applicant Income | $2,802,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington, Minnesota | 105 | $ 10,225,000 | $ 97,380 | $ 124,000 |
| Ramsey, Minnesota | 87 | $ 8,915,000 | $ 102,471 | $ 112,000 |
| Hennepin, Minnesota | 82 | $ 17,090,000 | $ 208,414 | $ 185,000 |
| Dakota, Minnesota | 31 | $ 4,065,000 | $ 131,129 | $ 125,000 |
| Anoka, Minnesota | 30 | $ 3,760,000 | $ 125,333 | $ 127,000 |
| Wright, Minnesota | 18 | $ 1,880,000 | $ 104,444 | $ 137,000 |
| Carver, Minnesota | 7 | $ 1,635,000 | $ 233,571 | $ 288,000 |
| Scott, Minnesota | 6 | $ 610,000 | $ 101,666 | $ 100,000 |
| Cass, Minnesota | 5 | $ 775,000 | $ 155,000 | $ 186,000 |
| Chisago, Minnesota | 5 | $ 545,000 | $ 109,000 | $ 81,000 |
| St. Croix, Wisconsin | 5 | $ 1,305,000 | $ 261,000 | $ 182,000 |
| Osceola, Michigan | 4 | $ 140,000 | $ 35,000 | $ 427,000 |
| Sherburne, Minnesota | 4 | $ 360,000 | $ 90,000 | $ 131,000 |
| Bedford, Tennessee | 4 | $ 320,000 | $ 80,000 | $ 78,000 |
| Kane, Illinois | 3 | $ 1,955,000 | $ 651,666 | $ 357,000 |
| Crow Wing, Minnesota | 3 | $ 985,000 | $ 328,333 | $ 261,000 |
| Sibley, Minnesota | 3 | $ 455,000 | $ 151,666 | $ 182,000 |
| San Joaquin, California | 2 | $ 50,000 | $ 25,000 | $ 50,000 |
| McHenry, Illinois | 2 | $ 70,000 | $ 35,000 | $ 42,000 |
| Sangamon, Illinois | 2 | $ 180,000 | $ 90,000 | $ 52,000 |
| Winnebago, Illinois | 2 | $ 250,000 | $ 125,000 | $ 126,000 |
| Aitkin, Minnesota | 2 | $ 70,000 | $ 35,000 | $ 37,000 |
| Goodhue, Minnesota | 2 | $ 600,000 | $ 300,000 | $ 125,000 |
| Kanabec, Minnesota | 2 | $ 70,000 | $ 35,000 | $ 15,000 |
| St. Louis, Minnesota | 2 | $ 370,000 | $ 185,000 | $ 127,000 |
| Jasper, Missouri | 2 | $ 460,000 | $ 230,000 | $ 81,000 |
| Marion, Missouri | 2 | $ 240,000 | $ 120,000 | $ 58,000 |
| Ralls, Missouri | 2 | $ 150,000 | $ 75,000 | $ 93,000 |
| Butler, Ohio | 2 | $ 130,000 | $ 65,000 | $ 211,000 |
| Geauga, Ohio | 2 | $ 390,000 | $ 195,000 | $ 299,000 |
| Montgomery, Ohio | 2 | $ 140,000 | $ 70,000 | $ 116,000 |
| Rutherford, Tennessee | 2 | $ 540,000 | $ 270,000 | $ 272,000 |
| Milwaukee, Wisconsin | 2 | $ 420,000 | $ 210,000 | $ 83,000 |
| Pima, Arizona | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| Pulaski, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 124,000 |
| Marion, Florida | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Palm Beach, Florida | 1 | $ 315,000 | $ 315,000 | $ 264,000 |
| Pinellas, Florida | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Gwinnett, Georgia | 1 | $ 45,000 | $ 45,000 | $ 150,000 |
| Newton, Georgia | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Boone, Illinois | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Franklin, Indiana | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Henry, Indiana | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Bremer, Iowa | 1 | $ 235,000 | $ 235,000 | $ 128,000 |
| Mecosta, Michigan | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Oakland, Michigan | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Kandiyohi, Minnesota | 1 | $ 355,000 | $ 355,000 | $ 80,000 |
| Lake, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Mille Lacs, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 175,000 |
| Rice, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Stearns, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 280,000 |
| Todd, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Barry, Missouri | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Boone, Missouri | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Newton, Missouri | 1 | $ 185,000 | $ 185,000 | $ 129,000 |
| Cass, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Lancaster, Nebraska | 1 | $ 245,000 | $ 245,000 | $ 312,000 |
| Bernalillo, New Mexico | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Valencia, New Mexico | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Durham, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Ashtabula, Ohio | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Jackson, Ohio | 1 | $ 295,000 | $ 295,000 | $ 250,000 |
| Ottawa, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Allegheny, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 339,000 |
| Campbell, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Davidson, Tennessee | 1 | $ 425,000 | $ 425,000 | $ 160,000 |
| DeKalb, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 135,000 |
| Henderson, Texas | 1 | $ 2,005,000 | $ 2,005,000 | $ 2,802,000 |
| Burnett, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 270,000 |
| Outagamie, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Pierce, Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Polk, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2023
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 | 171 | $48,045,000 | $280,000 | $745,000 | $142,000 | $1,272,000 |
| Home Improvement | 142 | $9,350,000 | $65,000 | $315,000 | $129,000 | $510,000 |
| Other Purpose | 133 | $8,335,000 | $62,000 | $605,000 | $125,000 | $795,000 |
| Refinancing | 67 | $10,585,000 | $157,000 | $1,005,000 | $183,000 | $1,387,000 |
| Cash-out Refinancing | 13 | $4,425,000 | $340,000 | $2,005,000 | $290,000 | $2,802,000 |
| 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 | 384 | $55,330,000 | $144,000 | $2,005,000 | $144,000 | $2,802,000 |
| Not Provided | 48 | $10,200,000 | $212,000 | $745,000 | $169,000 | $363,000 |
| Black or African American | 32 | $6,430,000 | $200,000 | $735,000 | $127,000 | $332,000 |
| Hispanic | 25 | $2,845,000 | $113,000 | $495,000 | $136,000 | $322,000 |
| Asian | 24 | $3,540,000 | $147,000 | $585,000 | $123,000 | $269,000 |
| American Indian or Alaskan Native | 7 | $1,025,000 | $146,000 | $385,000 | $85,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $130,000 | $65,000 | $65,000 | $133,000 | $150,000 |
| 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) | 526 | $80,740,000 | $153,000 | $2,005,000 | $143,000 | $2,802,000 |
| 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 | 275 | $39,345,000 | $143,000 | $1,005,000 | $154,000 | $1,387,000 |
| Application Denied By Financial Institution | 125 | $16,965,000 | $135,000 | $2,005,000 | $119,000 | $2,802,000 |
| Application Withdrawn By Applicant | 102 | $17,800,000 | $174,000 | $735,000 | $155,000 | $1,272,000 |
| Preapproval Approved but not Accepted | 16 | $5,310,000 | $331,000 | $675,000 | $129,000 | $260,000 |
| Preapproval Denied by Financial Institution | 6 | $960,000 | $160,000 | $295,000 | $40,000 | $67,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $72,000 | $72,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $51,000 | $51,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 395 | $62,815,000 | $159,000 | $1,005,000 | $152,000 | $1,387,000 |
| Credit History | 47 | $5,775,000 | $122,000 | $705,000 | $84,000 | $190,000 |
| Other | 29 | $3,505,000 | $120,000 | $705,000 | $98,000 | $300,000 |
| Debt-To-Income Ratio | 26 | $2,870,000 | $110,000 | $435,000 | $69,000 | $230,000 |
| Collateral | 19 | $3,775,000 | $198,000 | $2,005,000 | $256,000 | $2,802,000 |
| Unverifiable Information | 6 | $900,000 | $150,000 | $305,000 | $227,000 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $440,000 | $220,000 | $285,000 | $84,000 | $110,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $65,000 | $65,000 |
| Employment History | 1 | $455,000 | $455,000 | $455,000 | $120,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2023 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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with aggregated HMDA statistics today.
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