Applications / Mortgage Analytics / Lenders / Minnesota / St. Paul Federal Credit Union
Saint Paul, MN · Credit union · NCUA · $259 million assets · 62 loans in 2025
St. Paul Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
62
loans originated, 2025
79
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Paul Federal Credit Union nearly doubled its home lending in 2025, most of it refinancing, though it remains far below its volume of 2020 and 2021.
It made 62 loans, up 88% from 33. Similar lenders, credit unions making between half and twice as many loans, grew 7%; it grew faster than more than nine in ten of them. Refinances made up 71.0% of its loans and home purchases the rest.
The rebound leaves it well short of the 197 loans it made in 2020 and the 212 in 2021. Its lending fell each year from 2022 to 2024, to 33. The figures do not say why.
Its typical loan was $255,000, against $95,000 at similar credit unions, larger than at about nine in ten of them. Every loan was conventional; it made none backed by the government. Low- and moderate-income borrowers took 32.3% of its loans, close to the 30.9% at similar lenders.
It has lent in the Minneapolis-St. Paul area since 1994 and ranks 196 of 688 lenders there, with 0.1% of the market, up 0.1 points. Bell Bank and United Wholesale Mortgage lead. It absorbed Capital Trust Federal Credit Union in 2008, and in 2025 it made its first loans in Eau Claire.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. St. Paul Federal Credit Union took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 71.0% · Purchase 29.0%
Conventional 100.0% · of 62 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
| State | Loans | Share |
|---|---|---|
| Minnesota | 57 | 91.9% |
| Wisconsin | 5 | 8.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 53 |
| Duluth | 1 |
| Eau Claire | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TFUMB07CBEN720 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 176491 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524358 | 1994–2017 |
Established 1 January 1953. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: St. Paul Federal Credit Union's data.
St. Paul Federal Credit Union's data
$215
St. Paul Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy St. Paul Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]