City & County Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, City & County Credit Union of Saint Paul, MN reported 696 mortgage applications totaling $125.0 million, up 132% from 2018. The average application was for $179,525, and applicants reported an average income of $118,265. 58% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (527), Nashville-Davidson--Murfreesboro--Franklin, TN (16) and Rockford, IL (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 | 696 |
| Total Mortgage Loan Application Amount | $124,950,000 |
| Average Mortgage Loan Application Amount | $179,525 |
| Highest Mortgage Loan Application Amount | $1,255,000 |
| Average Applicant Income | $118,265 |
| Highest Applicant Income | $1,760,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 527 | $ 97,905,000 | $ 185,777 | $ 121,314 |
| Outside any metro area | 66 | $ 8,050,000 | $ 121,969 | $ 91,833 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 2,120,000 | $ 132,500 | $ 76,000 |
| Rockford, IL | 7 | $ 735,000 | $ 105,000 | $ 78,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 1,170,000 | $ 195,000 | $ 124,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,420,000 | $ 236,666 | $ 91,000 |
| Cedar Rapids, IA | 5 | $ 475,000 | $ 95,000 | $ 101,000 |
| Albuquerque, NM | 3 | $ 785,000 | $ 261,666 | $ 88,000 |
| Duluth, MN-WI | 3 | $ 365,000 | $ 121,666 | $ 127,000 |
| Joplin, MO | 3 | $ 275,000 | $ 91,666 | $ 87,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 565,000 | $ 188,333 | $ 93,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 675,000 | $ 225,000 | $ 216,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,225,000 | $ 408,333 | $ 231,000 |
| St. Louis, MO-IL | 3 | $ 535,000 | $ 178,333 | $ 220,000 |
| Cincinnati, OH-KY-IN | 2 | $ 330,000 | $ 165,000 | $ 146,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 640,000 | $ 320,000 | $ 177,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 210,000 | $ 105,000 | $ 129,000 |
| San Diego-Carlsbad, CA | 2 | $ 800,000 | $ 400,000 | $ 138,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 200,000 | $ 100,000 | $ 99,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 480,000 | $ 240,000 | $ 161,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Austin-Round Rock, TX | 1 | $ 325,000 | $ 325,000 | $ 316,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Chicago-Naperville, IL | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Columbus, OH | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 375,000 | $ 375,000 | $ 150,000 |
| Elgin, IL | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Iowa City, IA | 1 | $ 355,000 | $ 355,000 | $ 223,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 115,000 | $ 115,000 | $ 130,000 |
| Ocala, FL | 1 | $ 195,000 | $ 195,000 | $ 160,000 |
| Ogden-Clearfield, UT | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Port St. Lucie, FL | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Portland-South Portland, ME | 1 | $ 245,000 | $ 245,000 | $ 126,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 655,000 | $ 655,000 | $ 220,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Tyler, TX | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 265,000 | $ 265,000 | $ 249,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for City & County Credit Union in 2019
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 | 202 | $54,110,000 | $267,000 | $1,255,000 | $121,000 | $542,000 |
| Refinancing | 162 | $28,620,000 | $176,000 | $535,000 | $131,000 | $1,760,000 |
| Cash-out Refinancing | 131 | $29,465,000 | $224,000 | $705,000 | $101,000 | $363,000 |
| Home Improvement | 117 | $7,285,000 | $62,000 | $325,000 | $114,000 | $348,000 |
| Other Purpose | 84 | $5,470,000 | $65,000 | $385,000 | $120,000 | $513,000 |
| 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 | 514 | $90,830,000 | $176,000 | $825,000 | $114,000 | $542,000 |
| Not Provided | 79 | $15,165,000 | $191,000 | $1,255,000 | $159,000 | $1,760,000 |
| Hispanic | 35 | $7,235,000 | $206,000 | $1,045,000 | $114,000 | $455,000 |
| Black or African American | 29 | $5,635,000 | $194,000 | $505,000 | $111,000 | $673,000 |
| Asian | 21 | $3,495,000 | $166,000 | $465,000 | $97,000 | $232,000 |
| Not applicable | 6 | $300,000 | $50,000 | $75,000 | $121,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $845,000 | $169,000 | $245,000 | $69,000 | $130,000 |
| American Indian or Alaskan Native | 3 | $455,000 | $151,000 | $205,000 | $86,000 | $109,000 |
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) | 696 | $124,950,000 | $179,000 | $1,255,000 | $118,000 | $1,760,000 |
| 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 | 407 | $75,765,000 | $186,000 | $1,045,000 | $120,000 | $513,000 |
| Application Denied By Financial Institution | 138 | $18,720,000 | $135,000 | $475,000 | $86,000 | $673,000 |
| Application Withdrawn By Applicant | 122 | $24,310,000 | $199,000 | $1,255,000 | $149,000 | $1,760,000 |
| Application Approved But Not Accepted | 17 | $3,745,000 | $220,000 | $695,000 | $105,000 | $278,000 |
| File Closed For Incompleteness | 12 | $2,410,000 | $200,000 | $375,000 | $128,000 | $316,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 696 | $124,950,000 | $179,000 | $1,255,000 | $118,000 | $1,760,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2019 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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