City & County Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, City & County Credit Union of Saint Paul, MN reported 421 mortgage applications totaling $75.2 million, up 20% from 2024. The average application was for $178,586, and applicants reported an average income of $156,572. 58% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (329), Duluth, MN-WI (5) and Atlanta-Sandy Springs-Roswell, GA (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 | 421 |
| Total Mortgage Loan Application Amount | $75,185,000 |
| Average Mortgage Loan Application Amount | $178,586 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $156,572 |
| Highest Applicant Income | $3,336,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 329 | $ 54,915,000 | $ 166,914 | $ 148,723 |
| Outside any metro area | 38 | $ 6,930,000 | $ 182,368 | $ 126,578 |
| Duluth, MN-WI | 5 | $ 825,000 | $ 165,000 | $ 124,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 535,000 | $ 178,333 | $ 101,000 |
| Cedar Rapids, IA | 3 | $ 315,000 | $ 105,000 | $ 132,000 |
| Joplin, MO | 3 | $ 715,000 | $ 238,333 | $ 131,000 |
| Kansas City, MO-KS | 3 | $ 1,155,000 | $ 385,000 | $ 260,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,175,000 | $ 391,666 | $ 140,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 370,000 | $ 185,000 | $ 215,000 |
| Wildwood-The Villages, FL | 2 | $ 140,000 | $ 70,000 | $ 100,000 |
| Appleton, WI | 1 | $ 525,000 | $ 525,000 | $ 155,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 125,000 | $ 125,000 | $ 195,000 |
| Athens-Clarke County, GA | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 225,000 | $ 225,000 | $ 346,000 |
| Cincinnati, OH-KY-IN | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Columbia, MO | 1 | $ 255,000 | $ 255,000 | $ 52,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 655,000 | $ 655,000 | $ 183,000 |
| Elgin, IL | 1 | $ 315,000 | $ 315,000 | $ 89,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 285,000 | $ 285,000 | $ 263,000 |
| Iowa City, IA | 1 | $ 495,000 | $ 495,000 | $ 166,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 155,000 | $ 155,000 | $ 285,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 75,000 | $ 75,000 | $ 302,000 |
| Lawrence, KS | 1 | $ 425,000 | $ 425,000 | $ 259,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 175,000 | $ 175,000 | $ 349,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 535,000 | $ 535,000 | $ 3,336,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 125,000 | $ 125,000 | $ 207,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Provo-Orem, UT | 1 | $ 445,000 | $ 445,000 | $ 155,000 |
| Punta Gorda, FL | 1 | $ 45,000 | $ 45,000 | $ 167,000 |
| Reno, NV | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Rochester, MN | 1 | $ 635,000 | $ 635,000 | $ 200,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 385,000 | $ 385,000 | $ 244,000 |
| Sioux Falls, SD | 1 | $ 315,000 | $ 315,000 | $ 175,000 |
| Spokane-Spokane Valley, WA | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| St. Joseph, MO-KS | 1 | $ 535,000 | $ 535,000 | $ 220,000 |
| St. Louis, MO-IL | 1 | $ 75,000 | $ 75,000 | $ 262,000 |
| Tampa, FL | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Valdosta, GA | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| York-Hanover, PA | 1 | $ 195,000 | $ 195,000 | $ 278,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2025
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 | 120 | $41,660,000 | $347,000 | $825,000 | $204,000 | $3,336,000 |
| Home Improvement | 110 | $7,840,000 | $71,000 | $355,000 | $138,000 | $390,000 |
| Other Purpose | 103 | $7,115,000 | $69,000 | $305,000 | $146,000 | $1,880,000 |
| Cash-out Refinancing | 45 | $8,675,000 | $192,000 | $785,000 | $127,000 | $527,000 |
| Refinancing | 43 | $9,895,000 | $230,000 | $765,000 | $128,000 | $331,000 |
| 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 | 325 | $59,605,000 | $183,000 | $825,000 | $153,000 | $1,880,000 |
| Black or African American | 29 | $3,665,000 | $126,000 | $525,000 | $111,000 | $285,000 |
| Hispanic | 23 | $5,215,000 | $226,000 | $535,000 | $172,000 | $354,000 |
| Asian | 20 | $4,030,000 | $201,000 | $585,000 | $292,000 | $3,336,000 |
| Not Provided | 14 | $1,320,000 | $94,000 | $405,000 | $137,000 | $343,000 |
| American Indian or Alaskan Native | 7 | $865,000 | $123,000 | $385,000 | $130,000 | $343,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $420,000 | $210,000 | $215,000 | $64,000 | $78,000 |
| Not applicable | 1 | $65,000 | $65,000 | $65,000 | $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) | 418 | $74,330,000 | $177,000 | $825,000 | $157,000 | $3,336,000 |
| FHA-insured (Federal Housing Administration) | 3 | $855,000 | $285,000 | $385,000 | $94,000 | $145,000 |
| 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 | 246 | $50,340,000 | $204,000 | $825,000 | $159,000 | $680,000 |
| Application Withdrawn By Applicant | 87 | $13,745,000 | $157,000 | $655,000 | $163,000 | $1,880,000 |
| Application Denied By Financial Institution | 76 | $6,910,000 | $90,000 | $585,000 | $141,000 | $3,336,000 |
| Application Approved But Not Accepted | 12 | $4,190,000 | $349,000 | $505,000 | $152,000 | $288,000 |
| 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 | 345 | $68,275,000 | $197,000 | $825,000 | $160,000 | $1,880,000 |
| Other | 27 | $2,025,000 | $75,000 | $205,000 | $111,000 | $294,000 |
| Debt-To-Income Ratio | 20 | $1,920,000 | $96,000 | $355,000 | $84,000 | $343,000 |
| Credit History | 12 | $1,330,000 | $110,000 | $585,000 | $105,000 | $267,000 |
| Collateral | 8 | $1,090,000 | $136,000 | $535,000 | $518,000 | $3,336,000 |
| Unverifiable Information | 8 | $390,000 | $48,000 | $125,000 | $71,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2025 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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