Applications / Mortgage Analytics / Lenders / Minnesota / St. Cloud Financial Credit Union
Sartell, MN · Credit union · NCUA · $430 million assets · 318 loans in 2025
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318
loans originated, 2025
383
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Cloud Financial Credit Union is a Minnesota credit union that mostly refinances and ranks 10 of 243 lenders in its home market of St. Cloud.
Similar lenders here are credit unions making between half and twice as many loans. Refinances made up 70.8% of St. Cloud Financial's loans and purchases 28.0%. Its loans peaked at 573 in 2020, when its typical rate was 3.25%; a lender this reliant on refinancing may simply see less demand at higher rates. It made 318 in 2025, down 1% while the typical peer grew 7%.
Its typical rate, 6.10%, is lower than at about four in five similar lenders, where it is 6.88%, and down from 6.75% in 2024. Its share of higher-priced loans (a rate well above the average for similar loans) fell from 6.8% to 2.5%, near the middle of its peers.
In St. Cloud, where it has lent since 1997, its share fell from 4.2% to 2.5%. Shares are measured in dollars, and its own loan count barely moved, so much of the fall may come from larger loans by others: CBRE Multifamily Capital leads the market.
Low- and moderate-income borrowers took 32.4% of its loans, against 27.5% at the typical peer, a higher share than about two in three peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Cloud Financial Credit Union took 383 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.8% · Purchase 28.0% · Home improvement 1.3%
Conventional 98.7% · USDA (RHS or FSA) 0.6% · VA 0.6% · of 318 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 | 314 | 98.7% |
| Florida | 1 | 0.3% |
| Michigan | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
| Wisconsin | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Cloud | 202 |
| Minneapolis-St. Paul-Bloomington | 69 |
| Detroit-Dearborn-Livonia | 1 |
| Punta Gorda | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ANTUZH5AQQXR02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 142599 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524584 | 1997–2017 |
Established 1 January 1934. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: St. Cloud Financial Credit Union's data.
St. Cloud Financial Credit Union's data
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St. Cloud Financial 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.
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