A rebound
Its loans rose to 246, while similar lenders (credit unions making between half and twice as many loans) grew 5%. Its growth was faster than at about three in four of them. The rise followed a slide from 424 loans in 2021 to 184 in 2024.
Applications / Mortgage Analytics / Lenders / Minnesota / City & County Credit Union
City & County Credit Union
Saint Paul, MN · Credit union · NCUA · $1.2 billion assets · 246 loans in 2025
City & County Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
246
loans originated, 2025
421
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City & County Credit Union made 34% more loans in 2025 after three years of falls, and nearly a third of its lending goes on home improvement.
Home improvement looms large
Home improvement made up 30.5% of its loans, close to purchases at 34.1%. All were conventional and none was jumbo, or larger than the conforming limit. Its typical loan, $125,000, was higher than the $105,000 at similar lenders.
Slightly more borrowers of modest means
Low- and moderate-income (LMI) borrowers took 30.5% of its loans, against 27.7% at similar lenders, and both that share and its share in LMI areas rose from 2024. Majority-minority areas took 6.5%, against 11.8%. One possible reason is the markets it serves, which include non-metro Minnesota, Missouri and Michigan.
A small share, a wide reach
In Minneapolis-St. Paul-Bloomington, its largest market, it ranked 119 of 688 lenders with 0.1%. It lent in 19 states, and in 2025 it first lent in St. Joseph, Provo-Orem-Lehi and Lawrence.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
246 loans in 2025, against a peak of 424 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City & County Credit Union took 421 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
34.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 34.1% · Home improvement 30.5% · Refinance 19.5% · Other 15.9%
Conventional 100.0% · of 246 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
19 states, 28 metros, 53 counties
| State | Loans | Share |
|---|---|---|
| Minnesota | 197 | 80.1% |
| Wisconsin | 11 | 4.5% |
| Missouri | 9 | 3.7% |
| Florida | 7 | 2.8% |
| Iowa | 3 | 1.2% |
| Michigan | 3 | 1.2% |
| Georgia | 2 | 0.8% |
| Kansas | 2 | 0.8% |
| Tennessee | 2 | 0.8% |
| Arizona | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 190 |
| Duluth | 4 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Cedar Rapids | 2 |
| Kansas City | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Wildwood-The Villages | 2 |
| Appleton | 1 |
| Arlington-Alexandria-Reston | 1 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500DB378C704F4610 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 632492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560255 | 1990–2017 |
Established 1 January 1928. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: City & County Credit Union's data.
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