City & County Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, City & County Credit Union of Saint Paul, MN reported 749 mortgage applications totaling $149.0 million, down 12% from 2020. The average application was for $198,925, and applicants reported an average income of $111,109. 57% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (524), Nashville-Davidson--Murfreesboro--Franklin, TN (6) and Rockford, IL (6) (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 | 749 |
| Total Mortgage Loan Application Amount | $148,995,000 |
| Average Mortgage Loan Application Amount | $198,925 |
| Highest Mortgage Loan Application Amount | $1,785,000 |
| Average Applicant Income | $111,109 |
| Highest Applicant Income | $1,560,000 |
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records City & County Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for City & County Credit Union in 2021
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 | 264 | $53,430,000 | $202,000 | $705,000 | $103,000 | $336,000 |
| Cash-out Refinancing | 167 | $36,635,000 | $219,000 | $705,000 | $100,000 | $347,000 |
| Home Purchase | 160 | $49,090,000 | $306,000 | $1,785,000 | $120,000 | $520,000 |
| Home Improvement | 95 | $6,055,000 | $63,000 | $455,000 | $127,000 | $1,260,000 |
| Other Purpose | 63 | $3,785,000 | $60,000 | $255,000 | $128,000 | $1,560,000 |
| 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 | 536 | $102,010,000 | $190,000 | $1,785,000 | $108,000 | $1,260,000 |
| Not Provided | 102 | $21,480,000 | $210,000 | $675,000 | $128,000 | $1,560,000 |
| Asian | 37 | $8,485,000 | $229,000 | $1,205,000 | $92,000 | $312,000 |
| Black or African American | 37 | $8,155,000 | $220,000 | $505,000 | $113,000 | $336,000 |
| Hispanic | 28 | $6,920,000 | $247,000 | $785,000 | $128,000 | $300,000 |
| American Indian or Alaskan Native | 3 | $315,000 | $105,000 | $135,000 | $81,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $320,000 | $160,000 | $175,000 | $119,000 | $155,000 |
| Not applicable | 1 | $85,000 | $85,000 | $85,000 | $91,000 | $91,000 |
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) | 749 | $148,995,000 | $198,000 | $1,785,000 | $111,000 | $1,560,000 |
| 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 | 424 | $93,710,000 | $221,000 | $1,785,000 | $112,000 | $520,000 |
| Application Withdrawn By Applicant | 186 | $34,570,000 | $185,000 | $1,205,000 | $128,000 | $1,560,000 |
| Application Denied By Financial Institution | 115 | $15,275,000 | $132,000 | $485,000 | $79,000 | $300,000 |
| File Closed For Incompleteness | 20 | $4,780,000 | $239,000 | $565,000 | $127,000 | $304,000 |
| Application Approved But Not Accepted | 3 | $495,000 | $165,000 | $245,000 | $101,000 | $128,000 |
| Loan Purchased By The Institution | 1 | $165,000 | $165,000 | $165,000 | $105,000 | $105,000 |
| 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 | 634 | $133,720,000 | $210,000 | $1,785,000 | $117,000 | $1,560,000 |
| Credit History | 38 | $4,370,000 | $115,000 | $305,000 | $90,000 | $196,000 |
| Other | 34 | $4,920,000 | $144,000 | $445,000 | $83,000 | $286,000 |
| Debt-To-Income Ratio | 31 | $4,645,000 | $149,000 | $485,000 | $55,000 | $176,000 |
| Collateral | 8 | $380,000 | $47,000 | $95,000 | $79,000 | $130,000 |
| Unverifiable Information | 3 | $825,000 | $275,000 | $455,000 | $138,000 | $300,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $55,000 | $55,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City & County Credit Union's 2021 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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