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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 385 | $ 51,485,000 | $ 133,727 | $ 137,548 |
| Outside any metro area | 91 | $ 19,935,000 | $ 219,065 | $ 164,648 |
| Cincinnati, OH-KY-IN | 3 | $ 195,000 | $ 65,000 | $ 188,666 |
| Duluth, MN-WI | 3 | $ 475,000 | $ 158,333 | $ 109,000 |
| Elgin, IL | 3 | $ 1,955,000 | $ 651,666 | $ 357,000 |
| Joplin, MO | 3 | $ 645,000 | $ 215,000 | $ 97,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 965,000 | $ 321,666 | $ 235,000 |
| Rockford, IL | 3 | $ 275,000 | $ 91,666 | $ 105,000 |
| Albuquerque, NM | 2 | $ 100,000 | $ 50,000 | $ 114,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 100,000 | $ 50,000 | $ 128,000 |
| Chicago-Naperville, IL | 2 | $ 70,000 | $ 35,000 | $ 42,000 |
| Cleveland-Elyria, OH | 2 | $ 390,000 | $ 195,000 | $ 299,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 140,000 | $ 70,000 | $ 116,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 420,000 | $ 210,000 | $ 83,000 |
| Springfield, IL | 2 | $ 180,000 | $ 90,000 | $ 52,000 |
| St. Cloud, MN | 2 | $ 400,000 | $ 200,000 | $ 185,000 |
| Stockton-Lodi, CA | 2 | $ 50,000 | $ 25,000 | $ 50,000 |
| Appleton, WI | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Columbia, MO | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Durham-Chapel Hill, NC | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Knoxville, TN | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Lincoln, NE | 1 | $ 245,000 | $ 245,000 | $ 312,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 45,000 | $ 45,000 | $ 124,000 |
| Ocala, FL | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Pittsburgh, PA | 1 | $ 285,000 | $ 285,000 | $ 339,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Tucson, AZ | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 235,000 | $ 235,000 | $ 128,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 315,000 | $ 315,000 | $ 264,000 |
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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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