City & County Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, City & County Credit Union of Saint Paul, MN reported 350 mortgage applications totaling $58.5 million, down 33% from 2023. The average application was for $167,085, and applicants reported an average income of $139,397. 53% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (273), Cedar Rapids, IA (4) and Nashville-Davidson--Murfreesboro--Franklin, TN (4) (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 | 350 |
| Total Mortgage Loan Application Amount | $58,480,000 |
| Average Mortgage Loan Application Amount | $167,085 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $139,397 |
| Highest Applicant Income | $585,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 81 | $ 10,035,000 | $ 123,888 | $ 105,000 |
| Hennepin, Minnesota | 56 | $ 11,950,000 | $ 213,392 | $ 193,000 |
| Washington, Minnesota | 55 | $ 6,365,000 | $ 115,727 | $ 129,000 |
| Anoka, Minnesota | 23 | $ 3,655,000 | $ 158,913 | $ 123,000 |
| Dakota, Minnesota | 23 | $ 4,205,000 | $ 182,826 | $ 151,000 |
| St. Croix, Wisconsin | 10 | $ 1,610,000 | $ 161,000 | $ 138,000 |
| Carver, Minnesota | 6 | $ 1,590,000 | $ 265,000 | $ 192,000 |
| Wright, Minnesota | 6 | $ 1,100,000 | $ 183,333 | $ 141,000 |
| Marion, Missouri | 6 | $ 740,000 | $ 123,333 | $ 106,000 |
| Chisago, Minnesota | 5 | $ 405,000 | $ 81,000 | $ 93,000 |
| Linn, Iowa | 4 | $ 1,190,000 | $ 297,500 | $ 181,000 |
| Seminole, Florida | 3 | $ 1,175,000 | $ 391,666 | $ 190,000 |
| Sherburne, Minnesota | 3 | $ 345,000 | $ 115,000 | $ 120,000 |
| St. Lucie, Florida | 2 | $ 310,000 | $ 155,000 | $ 206,000 |
| Walton, Georgia | 2 | $ 340,000 | $ 170,000 | $ 186,000 |
| Cass, Minnesota | 2 | $ 740,000 | $ 370,000 | $ 381,000 |
| Isanti, Minnesota | 2 | $ 430,000 | $ 215,000 | $ 129,000 |
| Scott, Minnesota | 2 | $ 440,000 | $ 220,000 | $ 179,000 |
| St. Louis, Minnesota | 2 | $ 600,000 | $ 300,000 | $ 184,000 |
| Stearns, Minnesota | 2 | $ 380,000 | $ 190,000 | $ 123,000 |
| Boone, Missouri | 2 | $ 180,000 | $ 90,000 | $ 58,000 |
| Ralls, Missouri | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Bernalillo, New Mexico | 2 | $ 550,000 | $ 275,000 | $ 100,000 |
| Northampton, Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 106,000 |
| Rutherford, Tennessee | 2 | $ 140,000 | $ 70,000 | $ 70,000 |
| White, Tennessee | 2 | $ 130,000 | $ 65,000 | $ 42,000 |
| Polk, Wisconsin | 2 | $ 230,000 | $ 115,000 | $ 143,000 |
| Baldwin, Alabama | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Pima, Arizona | 1 | $ 425,000 | $ 425,000 | $ 446,000 |
| Nevada, California | 1 | $ 375,000 | $ 375,000 | $ 112,000 |
| Ventura, California | 1 | $ 605,000 | $ 605,000 | $ 157,000 |
| Indian River, Florida | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Miami-Dade, Florida | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Sarasota, Florida | 1 | $ 365,000 | $ 365,000 | $ 132,000 |
| Walton, Florida | 1 | $ 145,000 | $ 145,000 | $ 183,000 |
| Cobb, Georgia | 1 | $ 205,000 | $ 205,000 | $ 265,000 |
| Floyd, Georgia | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| Newton, Georgia | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
| DuPage, Illinois | 1 | $ 585,000 | $ 585,000 | $ 290,000 |
| Hancock, Indiana | 1 | $ 435,000 | $ 435,000 | $ 173,000 |
| Concordia, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Orleans, Louisiana | 1 | $ 395,000 | $ 395,000 | $ 134,000 |
| Dickinson, Michigan | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Aitkin, Minnesota | 1 | $ 295,000 | $ 295,000 | $ 250,000 |
| Becker, Minnesota | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Benton, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Freeborn, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Goodhue, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 182,000 |
| Mille Lacs, Minnesota | 1 | $ 315,000 | $ 315,000 | $ 186,000 |
| Pine, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 158,000 |
| Renville, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Clay, Missouri | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Newton, Missouri | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| St. Charles, Missouri | 1 | $ 445,000 | $ 445,000 | $ 178,000 |
| Chaves, New Mexico | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Sandoval, New Mexico | 1 | $ 335,000 | $ 335,000 | $ 152,000 |
| Santa Fe, New Mexico | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Erie, New York | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Wake, North Carolina | 1 | $ 935,000 | $ 935,000 | $ 214,000 |
| Fairfield, Ohio | 1 | $ 15,000 | $ 15,000 | $ 139,000 |
| Warren, Ohio | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Cannon, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 154,000 |
| Dickson, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 135,000 |
| Denton, Texas | 1 | $ 385,000 | $ 385,000 | $ 177,000 |
| Jefferson, Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 229,000 |
| Racine, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Rusk, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Wood, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2024
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 | 116 | $34,870,000 | $300,000 | $935,000 | $166,000 | $585,000 |
| Home Improvement | 97 | $6,485,000 | $66,000 | $305,000 | $130,000 | $314,000 |
| Other Purpose | 74 | $4,470,000 | $60,000 | $355,000 | $120,000 | $436,000 |
| Refinancing | 42 | $7,350,000 | $175,000 | $1,045,000 | $125,000 | $436,000 |
| Cash-out Refinancing | 21 | $5,305,000 | $252,000 | $785,000 | $133,000 | $385,000 |
| 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 | 267 | $47,695,000 | $178,000 | $1,045,000 | $140,000 | $585,000 |
| Asian | 27 | $4,045,000 | $149,000 | $605,000 | $144,000 | $436,000 |
| Black or African American | 23 | $2,445,000 | $106,000 | $385,000 | $112,000 | $385,000 |
| Hispanic | 16 | $3,330,000 | $208,000 | $615,000 | $140,000 | $440,000 |
| Not Provided | 16 | $820,000 | $51,000 | $145,000 | $154,000 | $382,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $127,000 | $127,000 |
| 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) | 350 | $58,480,000 | $167,000 | $1,045,000 | $139,000 | $585,000 |
| 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 | 184 | $33,110,000 | $179,000 | $1,045,000 | $150,000 | $585,000 |
| Application Withdrawn By Applicant | 79 | $14,265,000 | $180,000 | $755,000 | $139,000 | $440,000 |
| Application Denied By Financial Institution | 77 | $8,125,000 | $105,000 | $315,000 | $115,000 | $436,000 |
| Application Approved But Not Accepted | 10 | $2,980,000 | $298,000 | $935,000 | $136,000 | $252,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 273 | $50,355,000 | $184,000 | $1,045,000 | $146,000 | $585,000 |
| Debt-To-Income Ratio | 25 | $2,995,000 | $119,000 | $305,000 | $83,000 | $198,000 |
| Credit History | 20 | $2,050,000 | $102,000 | $275,000 | $108,000 | $385,000 |
| Other | 19 | $1,375,000 | $72,000 | $245,000 | $154,000 | $436,000 |
| Collateral | 8 | $1,180,000 | $147,000 | $315,000 | $148,000 | $308,000 |
| Unverifiable Information | 5 | $525,000 | $105,000 | $305,000 | $106,000 | $266,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2024 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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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