Applications / Mortgage Analytics / Lenders / Minnesota / St. Cloud Financial Credit Union / Competition
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
Who St. Cloud Financial Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — ST. CLOUD, MN, 2025
St. Cloud Financial Credit Union ranks 10th of 243 lenders in St. Cloud, MN, with $26.1M lent: 2.5% of a $1.04B market.
St. Cloud, MN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
St. Cloud Financial Credit Union ranks 223rd of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $10.9M lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO MINNESOTA, 2025
St. Cloud Financial Credit Union ranks 117th of 536 lenders in non-metro Minnesota, with $8.5M lent: 0.2% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO WISCONSIN, 2025
St. Cloud Financial Credit Union ranks 483rd of 659 lenders in non-metro Wisconsin, with $575K lent: 0.0% of a $8.43B market.
non-metro Wisconsin is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO SOUTH CAROLINA, 2025
St. Cloud Financial Credit Union ranks 355th of 514 lenders in non-metro South Carolina, with $485K lent: 0.0% of a $2.95B market.
non-metro South Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 27% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PUNTA GORDA, FL, 2025
St. Cloud Financial Credit Union ranks 425th of 548 lenders in Punta Gorda, FL, with $295K lent: 0.0% of a $2.09B market.
Punta Gorda, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — DETROIT-WARREN-DEARBORN, MI, 2025
St. Cloud Financial Credit Union ranks 521st of 599 lenders in Detroit-Warren-Dearborn, MI, with $275K lent: 0.0% of a $23.68B market.
Detroit-Warren-Dearborn, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — ROCHESTER, MN, 2025
St. Cloud Financial Credit Union ranks 222nd of 276 lenders in Rochester, MN, with $285K lent: 0.0% of a $1.45B market.
Rochester, MN is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and St. Cloud Financial Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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