City & County Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, City & County Credit Union of Saint Paul, MN reported 154 mortgage applications totaling $14.9 million, up 22% from 2011. The average application was for $96,805, and applicants reported an average income of $95,649. 47% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (145) and Rochester, MN (1).
| 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 | 154 |
| Total Mortgage Loan Application Amount | $14,908,000 |
| Average Mortgage Loan Application Amount | $96,805 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $95,649 |
| Highest Applicant Income | $548,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 145 | $ 14,396,000 | $ 99,282 | $ 95,468 |
| Rochester, MN | 1 | $ 50,000 | $ 50,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2012
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 | 118 | $12,130,000 | $102,000 | $417,000 | $93,000 | $380,000 |
| Home Purchase | 19 | $1,959,000 | $103,000 | $211,000 | $127,000 | $548,000 |
| Home Improvement | 17 | $819,000 | $48,000 | $160,000 | $79,000 | $335,000 |
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 | 118 | $11,867,000 | $100,000 | $417,000 | $99,000 | $548,000 |
| Not Provided | 28 | $2,374,000 | $84,000 | $297,000 | $91,000 | $244,000 |
| Black or African American | 6 | $530,000 | $88,000 | $179,000 | $56,000 | $70,000 |
| Hispanic | 1 | $53,000 | $53,000 | $53,000 | $53,000 | $53,000 |
| Asian | 1 | $84,000 | $84,000 | $84,000 | $78,000 | $78,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 154 | $14,908,000 | $96,000 | $417,000 | $95,000 | $548,000 |
| 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 | 72 | $4,450,000 | $61,000 | $194,000 | $93,000 | $380,000 |
| Application Withdrawn By Applicant | 52 | $6,468,000 | $124,000 | $417,000 | $98,000 | $548,000 |
| Application Denied By Financial Institution | 30 | $3,990,000 | $133,000 | $350,000 | $97,000 | $548,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $914,000 | $114,000 | $297,000 | $78,000 | $145,000 |
| Other | 8 | $905,000 | $113,000 | $200,000 | $140,000 | $548,000 |
| Debt-To-Income Ratio | 7 | $1,555,000 | $222,000 | $350,000 | $104,000 | $278,000 |
| Collateral | 4 | $361,000 | $90,000 | $238,000 | $72,000 | $100,000 |
| Employment History | 3 | $255,000 | $85,000 | $205,000 | $44,000 | $79,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2012 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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