ST. CLOUD Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in St. Cloud averaged
6.69%
for the week of 2024-11-14, compared to the national average of
6.78% for the same period.
The average rate for the prior week (2024-11-07) was
6.7% and
one month ago for the week of 2024-10-10, the
average rate was 6.53%.
St. Cloud's average rate one year ago was 7.61%.
For refis of the same type during the week of 2024-11-14, the average rate
was 7.48%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| St. Cloud 30 Year Fixed Rate | 2024-11-14 | 6.69% |
| St. Cloud 30 Year Fixed Rate Refi | 2024-11-14 | 7.48% |
| St. Cloud 15 Year Fixed Rate | 2024-11-14 | 5.99% |
| St. Cloud 15 Year Fixed Rate Refi | 2024-11-14 | 6.19% |
| St. Cloud 30 Year FHA | 2024-11-14 | -0.06% |
| St. Cloud 30 Year FHA Refi | 2024-11-14 | -0.1% |
| St. Cloud 30 Year USDA | 2024-11-14 | -0.2% |
| St. Cloud 30 Year USDA Refi | 2024-11-14 | -0.2% |
| St. Cloud 30 Year VA | 2024-11-14 | 0.09% |
| St. Cloud 30 Year VA Refi | 2024-11-14 | -0.2% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ST. CLOUD, MN.
ST. CLOUD Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ST. CLOUD, MN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
ST. CLOUD Average Closing Costs & Other Stats
ST. CLOUD, MN's 117 lenders originated 3,352
loans during 2023. The total origination value was $693,750,000, with an average loan value of
$206,966.
ST. CLOUD's average closing costs are $4,475.
The top ST. CLOUD lender as defined by loan originations is CENTRAL MINNESOTA Credit Union, with
158 loans originated. Their average total fees are
$3,346, which is $2,771
lower than the next largest lender,
Bremer Bank.
The lowest fee ST. CLOUD lenders (with over 10 loans originated) are
Liberty Bank Minnesota ($2,811), CENTRAL MINNESOTA Credit Union ($3,346), EVERETT FINANCIAL, INC. ($4,077), Gate City Bank ($4,287) and The Huntington National Bank ($4,299).
The lowest rate ST. CLOUD lenders (with over 10 loans originated) are
Gate City Bank (6.11%), ST. CLOUD FINANCIAL (6.37%), Frandsen Bank & Trust (6.48%), Servion, Inc. (6.56%) and GUARANTEED RATE AFFINITY, LLC (6.58%).
ST. CLOUD, MN Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| CENTRAL MINNESOTA Credit Union | $72,085,000 | $51,480,000 | -28.6% | 7.4% |
| Liberty Bank Minnesota | $57,325,000 | $36,570,000 | -36.2% | 5.3% |
| Bremer Bank | $43,505,000 | $36,305,000 | -16.5% | 5.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $36,925,000 | $33,165,000 | -10.2% | 4.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $34,330,000 | $31,945,000 | -6.9% | 4.6% |
| Falcon National Bank | $29,760,000 | n/a | 4.3% | |
| ST. CLOUD FINANCIAL | $29,810,000 | $24,105,000 | -19.1% | 3.5% |
| American Heritage National Bank | $38,380,000 | $19,370,000 | -49.5% | 2.8% |
| Deerwood Bank | $9,185,000 | $18,035,000 | 96.4% | 2.6% |
| QUICKEN LOANS, LLC | $37,780,000 | $16,930,000 | -55.2% | 2.4% |
| U.S. Bank | $28,505,000 | $15,225,000 | -46.6% | 2.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,080,000 | $15,205,000 | 50.8% | 2.2% |
| Bell Bank | $17,670,000 | $13,560,000 | -23.3% | 2.0% |
| BROKER SOLUTIONS, INC. | $14,520,000 | $12,490,000 | -14.0% | 1.8% |
| PLAZA HOME MORTGAGE, INC. | $12,885,000 | $12,330,000 | -4.3% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $13,570,000 | $11,975,000 | -11.8% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $15,750,000 | $11,610,000 | -26.3% | 1.7% |
| Mortgage Research Center, LLC | $13,570,000 | $11,145,000 | -17.9% | 1.6% |
| EVERETT FINANCIAL, INC. | $21,010,000 | $10,135,000 | -51.8% | 1.5% |
| Old National Bank | $1,705,000 | $9,825,000 | 476.2% | 1.4% |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $12,525,000 | $9,720,000 | -22.4% | 1.4% |
| BankVista | $11,175,000 | $9,305,000 | -16.7% | 1.3% |
| Sentry Bank | $13,005,000 | $9,135,000 | -29.8% | 1.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $20,460,000 | $7,930,000 | -61.2% | 1.1% |
| Servion, Inc. | $17,930,000 | $7,885,000 | -56.0% | 1.1% |
| Wells Fargo Bank | $21,075,000 | $6,900,000 | -67.3% | 1.0% |
| Minnesota National Bank | $4,265,000 | $6,620,000 | 55.2% | 1.0% |
| GUARANTEED RATE AFFINITY, LLC | $9,590,000 | $6,580,000 | -31.4% | 0.9% |
| AFFINITY PLUS | $6,605,000 | $6,430,000 | -2.6% | 0.9% |
| Minnwest Bank | $1,020,000 | $6,160,000 | 503.9% | 0.9% |
| Prosperity Home Mortgage, LLC | $6,830,000 | $5,805,000 | -15.0% | 0.8% |
| NEWREZ LLC | $9,125,000 | $5,645,000 | -38.1% | 0.8% |
| Gate City Bank | $7,885,000 | $5,420,000 | -31.3% | 0.8% |
| Frandsen Bank & Trust | $4,050,000 | $5,170,000 | 27.7% | 0.7% |
| LOANDEPOT.COM, LLC | $14,085,000 | $4,910,000 | -65.1% | 0.7% |
| Sherburne State Bank | $6,795,000 | $4,855,000 | -28.6% | 0.7% |
| Sunrise Banks | $4,755,000 | n/a | 0.7% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,170,000 | $4,665,000 | 47.2% | 0.7% |
| The Huntington National Bank | $2,565,000 | $4,435,000 | 72.9% | 0.6% |
| American National Bank of Minnesota | $3,590,000 | $4,105,000 | 14.3% | 0.6% |
| American Mortgage & Equity Consultants, Inc. | $3,115,000 | $4,030,000 | 29.4% | 0.6% |
| West Bank | $4,660,000 | $3,460,000 | -25.8% | 0.5% |
| Freeport State Bank | $3,455,000 | n/a | 0.5% | |
| BAY EQUITY LLC | $6,950,000 | $3,410,000 | -50.9% | 0.5% |
| CMG MORTGAGE, INC. | $4,900,000 | $3,315,000 | -32.3% | 0.5% |
| COMPEER FINANCIAL, FLCA | $8,165,000 | $3,305,000 | -59.5% | 0.5% |
| Neighborhood Loans, Inc. | $345,000 | $3,145,000 | 811.6% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $10,390,000 | $3,130,000 | -69.9% | 0.5% |
| Royal Credit Union | $2,375,000 | $2,975,000 | 25.3% | 0.4% |
| SPIRE Credit Union | $3,490,000 | $2,970,000 | -14.9% | 0.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $970,000 | $2,960,000 | 205.2% | 0.4% |
| Kensington Bank | $2,935,000 | n/a | 0.4% | |
| Flagstar Bank, FSB | $6,320,000 | $2,795,000 | -55.8% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $3,895,000 | $2,570,000 | -34.0% | 0.4% |
| GUARANTEED RATE, INC. | $5,275,000 | $2,415,000 | -54.2% | 0.3% |
| Harvest Bank | $2,315,000 | n/a | 0.3% | |
| GREAT RIVER FEDERAL CREDIT UNION | $3,405,000 | $2,225,000 | -34.7% | 0.3% |
| UNION HOME MORTGAGE CORP. | $2,120,000 | $2,190,000 | 3.3% | 0.3% |
| NBKC BANK | $1,415,000 | $2,130,000 | 50.5% | 0.3% |
| WINGS FINANCIAL | $2,875,000 | $2,035,000 | -29.2% | 0.3% |
| Citizens Bank | $3,780,000 | $1,985,000 | -47.5% | 0.3% |
| CARDINAL FINANCIAL | $5,745,000 | $1,920,000 | -66.6% | 0.3% |
| BMO Harris Bank | $1,505,000 | $1,880,000 | 24.9% | 0.3% |
| Alerus Financial | $2,125,000 | $1,855,000 | -12.7% | 0.3% |
| Summit Mortgage Corporation | $2,245,000 | $1,805,000 | -19.6% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,975,000 | $1,770,000 | -70.4% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $3,505,000 | $1,730,000 | -50.6% | 0.2% |
| Heritage Bank | $2,350,000 | $1,680,000 | -28.5% | 0.2% |
| CORTRUST MORTGAGE, INC. | $1,930,000 | $1,655,000 | -14.2% | 0.2% |
| RIVERLAND BANK | $1,605,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $1,140,000 | $1,580,000 | 38.6% | 0.2% |
| Barings Multifamily Capital | $1,485,000 | n/a | 0.2% | |
| Bonanza Valley State Bank | $1,465,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $265,000 | $1,415,000 | 434.0% | 0.2% |
| GUIDANCE RESIDENTIAL, LLC | $1,140,000 | $1,355,000 | 18.9% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,670,000 | $1,335,000 | -20.1% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,050,000 | $1,280,000 | 21.9% | 0.2% |
| Truist | $2,035,000 | $1,255,000 | -38.3% | 0.2% |
| The Bank of Elk River | $475,000 | $1,235,000 | 160.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $2,730,000 | $1,230,000 | -54.9% | 0.2% |
| First Bank & Trust | $855,000 | $1,230,000 | 43.9% | 0.2% |
| Bank of England | $1,445,000 | $1,120,000 | -22.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,395,000 | $1,105,000 | -20.8% | 0.2% |
| USAA Federal Savings Bank | $4,695,000 | $1,080,000 | -77.0% | 0.2% |
| CorTrust Bank | $225,000 | $1,040,000 | 362.2% | 0.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $200,000 | $1,005,000 | 402.5% | 0.1% |
| TOPLINE FEDERAL CREDIT UNION | $495,000 | $995,000 | 101.0% | 0.1% |
| National Bank of Commerce | $985,000 | n/a | 0.1% | |
| CALIBER HOME LOANS, INC. | $4,370,000 | $975,000 | -77.7% | 0.1% |
| Ixonia Bank | $365,000 | $940,000 | 157.5% | 0.1% |
| Northpointe Bank | $570,000 | $910,000 | 59.6% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $405,000 | $900,000 | 122.2% | 0.1% |
| IOWA BANKERS MORTGAGE CORPORATION | $1,895,000 | $880,000 | -53.6% | 0.1% |
| Tradition Mortgage, LLC | $3,090,000 | $880,000 | -71.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,450,000 | $865,000 | -40.3% | 0.1% |
| SWBC MORTGAGE CORPORATION | $855,000 | n/a | 0.1% | |
| MEGASTAR FINANCIAL CORP. | $360,000 | $780,000 | 116.7% | 0.1% |
| Farmers & Merchants State Bank | $775,000 | n/a | 0.1% | |
| Discover Bank | $650,000 | $745,000 | 14.6% | 0.1% |
| Merchants Bank | $1,820,000 | $745,000 | -59.1% | 0.1% |
| MILEND, INC. | $910,000 | $735,000 | -19.2% | 0.1% |
| Equity Prime Mortgage LLC | $155,000 | $715,000 | 361.3% | 0.1% |
| Goldwater Bank, N.A. | $4,150,000 | $710,000 | -82.9% | 0.1% |
| First Western Bank & Trust | $1,120,000 | $705,000 | -37.1% | 0.1% |
| 21st Century Bank | $675,000 | n/a | 0.1% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $125,000 | $670,000 | 436.0% | 0.1% |
| Plains Commerce Bank | $890,000 | $665,000 | -25.3% | 0.1% |
| UIF CORPORATION | $1,040,000 | $665,000 | -36.1% | 0.1% |
| First National Bank of Milaca | $655,000 | n/a | 0.1% | |
| Perennial Bank | $650,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $815,000 | $640,000 | -21.5% | 0.1% |
| Star Bank | $630,000 | n/a | 0.1% | |
| HIWAY | $935,000 | $620,000 | -33.7% | 0.1% |
| The Federal Savings Bank | $1,590,000 | $620,000 | -61.0% | 0.1% |
| Cambria Financial Group, LLC | $665,000 | $565,000 | -15.0% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $195,000 | $560,000 | 187.2% | 0.1% |
| JPMorgan Chase Bank | $3,045,000 | $560,000 | -81.6% | 0.1% |
| Ally Bank | $465,000 | $540,000 | 16.1% | 0.1% |
| DATA MORTGAGE, INC. | $1,640,000 | $520,000 | -68.3% | 0.1% |
| NEXERA HOLDING LLC | $510,000 | n/a | 0.1% | |
| Northview Bank | $820,000 | $500,000 | -39.0% | 0.1% |
| Citibank | $325,000 | $495,000 | 52.3% | 0.1% |
| Foresight Bank | $255,000 | $495,000 | 94.1% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $725,000 | $475,000 | -34.5% | 0.1% |
| GUILD MORTGAGE COMPANY | $175,000 | $465,000 | 165.7% | 0.1% |
| Choice Financial Group | $450,000 | n/a | 0.1% | |
| CRESCENT MORTGAGE COMPANY | $1,925,000 | $450,000 | -76.6% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $440,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $435,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $435,000 | n/a | 0.1% | |
| Armed Forces Bank | $425,000 | n/a | 0.1% | |
| The Security National Bank of Sioux City, Iowa | $425,000 | n/a | 0.1% | |
| Mortgages Unlimited Inc. | $1,290,000 | $415,000 | -67.8% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $285,000 | $415,000 | 45.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,930,000 | $410,000 | -78.8% | 0.1% |
| MinnStar Bank N.A. | $405,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $1,200,000 | $400,000 | -66.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $550,000 | $390,000 | -29.1% | 0.1% |
| Bridgewater Bank | $15,915,000 | $380,000 | -97.6% | 0.1% |
| Citizens Bank Minnesota | $310,000 | $380,000 | 22.6% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $370,000 | n/a | 0.1% | |
| NFM, INC. | $355,000 | n/a | 0.1% | |
| Security Bank & Trust Company | $340,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $265,000 | $325,000 | 22.6% | 0.0% |
| Flagship Banks Minnesota | $1,210,000 | $315,000 | -74.0% | 0.0% |
| Premier Bank | $305,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $305,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $580,000 | $305,000 | -47.4% | 0.0% |
| BETTER MORTGAGE CORPORATION | $395,000 | $300,000 | -24.1% | 0.0% |
| Coastal Community Bank | $300,000 | n/a | 0.0% | |
| Ameris Bank | $295,000 | n/a | 0.0% | |
| First United Bank | $295,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $285,000 | n/a | 0.0% | |
| Midwest Bank | $285,000 | n/a | 0.0% | |
| Heartland Bank and Trust Company | $280,000 | n/a | 0.0% | |
| American Federal Bank | $345,000 | $275,000 | -20.3% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $275,000 | n/a | 0.0% | |
| Lake Central Bank | $265,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $265,000 | n/a | 0.0% | |
| Ohnward Bank & Trust | $265,000 | n/a | 0.0% | |
| Citizens Community Federal | $385,000 | $255,000 | -33.8% | 0.0% |
| SENB Bank | $255,000 | n/a | 0.0% | |
| FIRST TECHNOLOGY | $245,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $245,000 | n/a | 0.0% | |
| MEMBERS COOPERATIVE | $235,000 | $240,000 | 2.1% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $225,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $765,000 | $225,000 | -70.6% | 0.0% |
| Figure Lending LLC | $330,000 | $225,000 | -31.8% | 0.0% |
| Flanagan State Bank | $225,000 | n/a | 0.0% | |
| Park State Bank | $225,000 | n/a | 0.0% | |
| Platinum Bank | $225,000 | n/a | 0.0% | |
| OCMBC, INC. | $220,000 | n/a | 0.0% | |
| NP, Inc. | $215,000 | n/a | 0.0% | |
| UBS Bank USA | $1,510,000 | $215,000 | -85.8% | 0.0% |
| SOUTHPOINT FINANCIAL | $540,000 | $210,000 | -61.1% | 0.0% |
| CITY-COUNTY CREDIT UNION | $505,000 | $205,000 | -59.4% | 0.0% |
| First Federal Bank | $205,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $430,000 | $205,000 | -52.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $755,000 | $195,000 | -74.2% | 0.0% |
| ALTRA | $185,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $495,000 | $185,000 | -62.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $220,000 | $185,000 | -15.9% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $185,000 | n/a | 0.0% | |
| Centier Bank | $175,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $220,000 | $175,000 | -20.5% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $175,000 | n/a | 0.0% | |
| Highland Bank | $170,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $165,000 | n/a | 0.0% | |
| First National Bank of Elk River | $165,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $995,000 | $165,000 | -83.4% | 0.0% |
| BUILDING TRADES FEDERAL CREDIT UNION | $160,000 | n/a | 0.0% | |
| Capital Bank | $155,000 | n/a | 0.0% | |
| Lakeview Bank | $155,000 | n/a | 0.0% | |
| Nations Lending Corporation | $440,000 | $150,000 | -65.9% | 0.0% |
| RiverWood Bank | $2,660,000 | $150,000 | -94.4% | 0.0% |
| AgCountry Farm Credit Services, FLCA | $150,000 | $145,000 | -3.3% | 0.0% |
| FNB Moose Lake | $135,000 | $145,000 | 7.4% | 0.0% |
| Oregon Community Bank | $145,000 | n/a | 0.0% | |
| MANN FINANCIAL INC. | $870,000 | $135,000 | -84.5% | 0.0% |
| MidWestOne Bank | $125,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $245,000 | $115,000 | -53.1% | 0.0% |
| Green Belt Bank & Trust | $105,000 | n/a | 0.0% | |
| HomeTown Bank | $910,000 | $95,000 | -89.6% | 0.0% |
| STAR USA FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| Anoka Hennepin Credit Union | $25,000 | $75,000 | 200.0% | 0.0% |
| Associated Bank | $730,000 | $75,000 | -89.7% | 0.0% |
| Baxter Credit Union | $75,000 | n/a | 0.0% | |
| IDEAL | $55,000 | $75,000 | 36.4% | 0.0% |
| ALLIANT CREDIT UNION | $65,000 | n/a | 0.0% | |
| HomeTrust Bank | $65,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $65,000 | n/a | 0.0% | |
| SMW Financial Credit Union | $65,000 | n/a | 0.0% | |
| Coulee Bank | $55,000 | n/a | 0.0% | |
| NOVATION CREDIT UNION | $55,000 | n/a | 0.0% | |
| Think Mutual Bank | $1,360,000 | $55,000 | -96.0% | 0.0% |
| Signature Federal Credit Union | $85,000 | $45,000 | -47.1% | 0.0% |
| MINNCO CREDIT UNION | $15,000 | n/a | 0.0% |
ST. CLOUD's top lender by overall market share is CENTRAL MINNESOTA Credit Union, with 7.4% market share. In second place, with 5.3%, is Liberty Bank Minnesota, having originated $36,570,000 in loans. In third place, with 5.2%, is Bremer Bank, having originated $36,305,000 in loans. In fourth place, with 4.8%, is HOMEOWNERS FINANCIAL GROUP USA, LLC, having originated $33,165,000 in loans. In fifth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $31,945,000 in loans.
ST. CLOUD Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - ST. CLOUD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $212,975 (8.0%) | $249,381 (4.2%) | 0.79 | 510 |
| 2018-02-01 | $217,675 (0.1%) | $259,815 (3.1%) | 0.79 | 527 |
| 2018-03-01 | $224,900 (0.0%) | $270,566 (2.0%) | 0.79 | 541 |
| 2018-04-01 | $249,950 (12.3%) | $286,099 (8.2%) | 0.85 | 545 |
| 2018-05-01 | $249,950 (13.7%) | $291,671 (11.4%) | 0.83 | 611 |
| 2018-06-01 | $254,900 (18.3%) | $293,414 (12.8%) | 0.85 | 619 |
| 2018-07-01 | $248,350 (18.3%) | $291,583 (13.7%) | 0.83 | 651 |
| 2018-08-01 | $247,200 (17.7%) | $289,484 (13.4%) | 0.83 | 642 |
| 2018-09-01 | $240,000 (14.3%) | $284,748 (11.4%) | 0.81 | 653 |
| 2018-10-01 | $247,175 (17.8%) | $284,223 (11.2%) | 0.84 | 655 |
| 2018-11-01 | $229,950 (10.0%) | $273,979 (8.4%) | 0.78 | 620 |
| 2018-12-01 | $229,948 (9.5%) | $275,031 (8.9%) | 0.79 | 534 |
| 2019-01-01 | $232,400 (9.1%) | $276,566 (10.9%) | 0.80 | 469 |
| 2019-02-01 | $236,950 (8.9%) | $278,034 (7.0%) | 0.80 | 463 |
| 2019-03-01 | $244,186 (8.6%) | $286,589 (5.9%) | 0.80 | 515 |
| 2019-04-01 | $249,186 (-0.3%) | $290,251 (1.5%) | 0.79 | 597 |
| 2019-05-01 | $249,900 (0.0%) | $285,905 (-2.0%) | 0.78 | 679 |
| 2019-06-01 | $249,900 (-2.0%) | $286,802 (-2.3%) | 0.78 | 715 |
| 2019-07-01 | $245,875 (-1.0%) | $284,921 (-2.3%) | 0.77 | 739 |
| 2019-08-01 | $235,318 (-4.8%) | $276,272 (-4.6%) | 0.75 | 760 |
| 2019-09-01 | $232,270 (-3.2%) | $270,958 (-4.8%) | 0.74 | 739 |
| 2019-10-01 | $229,950 (-7.0%) | $267,267 (-6.0%) | 0.74 | 724 |
| 2019-11-01 | $229,900 (0.0%) | $267,039 (-2.5%) | 0.75 | 670 |
| 2019-12-01 | $232,000 (0.9%) | $268,986 (-2.2%) | 0.77 | 547 |
| 2020-01-01 | $229,925 (-1.1%) | $266,935 (-3.5%) | 0.77 | 488 |
| 2020-02-01 | $250,000 (5.5%) | $287,535 (3.4%) | 0.82 | 495 |
| 2020-03-01 | $269,900 (10.5%) | $300,822 (5.0%) | 0.85 | 500 |
| 2020-04-01 | $267,950 (7.5%) | $303,831 (4.7%) | 0.84 | 529 |
| 2020-05-01 | $269,900 (8.0%) | $304,052 (6.4%) | 0.82 | 564 |
| 2020-06-01 | $271,425 (8.6%) | $310,306 (8.2%) | 0.80 | 539 |
| 2020-07-01 | $269,325 (9.5%) | $310,786 (9.1%) | 0.78 | 498 |
| 2020-08-01 | $258,950 (10.0%) | $307,415 (11.3%) | 0.74 | 471 |
| 2020-09-01 | $266,175 (14.6%) | $316,149 (16.7%) | 0.76 | 462 |
| 2020-10-01 | $259,400 (12.8%) | $312,681 (17.0%) | 0.74 | 447 |
| 2020-11-01 | $252,450 (9.8%) | $307,738 (15.2%) | 0.74 | 350 |
| 2020-12-01 | $250,725 (8.1%) | $311,778 (15.9%) | 0.75 | 293 |
| 2021-01-01 | $249,950 (8.7%) | $317,645 (19.0%) | 0.75 | 239 |
| 2021-02-01 | $272,450 (9.0%) | $350,784 (22.0%) | 0.79 | 221 |
| 2021-03-01 | $297,396 (10.2%) | $367,540 (22.2%) | 0.84 | 215 |
| 2021-04-01 | $297,450 (11.0%) | $355,863 (17.1%) | 0.81 | 217 |
| 2021-05-01 | $299,900 (11.1%) | $368,103 (21.1%) | 0.80 | 219 |
| 2021-06-01 | $284,925 (5.0%) | $347,958 (12.1%) | 0.75 | 294 |
| 2021-07-01 | $293,450 (9.0%) | $351,267 (13.0%) | 0.77 | 332 |
| 2021-08-01 | $289,950 (12.0%) | $344,650 (12.1%) | 0.77 | 355 |
| 2021-09-01 | $295,950 (11.2%) | $342,646 (8.4%) | 0.79 | 360 |
| 2021-10-01 | $284,950 (9.9%) | $332,022 (6.2%) | 0.76 | 363 |
| 2021-11-01 | $293,450 (16.2%) | $334,994 (8.9%) | 0.78 | 295 |
| 2021-12-01 | $299,900 (19.6%) | $347,124 (11.3%) | 0.81 | 242 |
| 2022-01-01 | $315,000 (26.0%) | $360,734 (13.6%) | 0.85 | 179 |
| 2022-02-01 | $322,900 (18.5%) | $380,050 (8.3%) | 0.84 | 153 |
| 2022-03-01 | $329,950 (11.0%) | $399,942 (8.8%) | 0.83 | 154 |
| 2022-04-01 | $349,900 (17.6%) | $407,909 (14.6%) | 0.83 | 189 |
| 2022-05-01 | $339,650 (13.3%) | $406,284 (10.4%) | 0.78 | 240 |
| 2022-06-01 | $328,450 (15.3%) | $386,778 (11.2%) | 0.73 | 302 |
| 2022-07-01 | $325,000 (10.8%) | $381,650 (8.7%) | 0.73 | 311 |
| 2022-08-01 | $335,900 (15.9%) | $388,510 (12.7%) | 0.78 | 308 |
| 2022-09-01 | $329,925 (11.5%) | $380,471 (11.0%) | 0.77 | 320 |
| 2022-10-01 | $335,000 (17.6%) | $389,410 (17.3%) | 0.79 | 312 |
| 2022-11-01 | $325,000 (10.8%) | $379,659 (13.3%) | 0.78 | 286 |
| 2022-12-01 | $325,000 (8.4%) | $384,662 (10.8%) | 0.80 | 242 |
| 2023-01-01 | $336,150 (6.7%) | $386,875 (7.3%) | 0.83 | 208 |
| 2023-02-01 | $354,925 (9.9%) | $392,884 (3.4%) | 0.86 | 198 |
| 2023-03-01 | $357,650 (8.4%) | $405,380 (1.4%) | 0.84 | 202 |
| 2023-04-01 | $374,900 (7.1%) | $417,215 (2.3%) | 0.87 | 210 |
| 2023-05-01 | $368,650 (8.5%) | $431,155 (6.1%) | 0.84 | 244 |
| 2023-06-01 | $354,975 (8.1%) | $413,083 (6.8%) | 0.80 | 276 |
| 2023-07-01 | $357,450 (10.0%) | $410,184 (7.5%) | 0.81 | 295 |
| 2023-08-01 | $354,900 (5.7%) | $405,962 (4.5%) | 0.81 | 302 |
| 2023-09-01 | $349,000 (5.8%) | $404,167 (6.2%) | 0.81 | 323 |
| 2023-10-01 | $329,125 (-1.8%) | $387,745 (-0.4%) | 0.77 | 348 |
| 2023-11-01 | $316,675 (-2.6%) | $378,485 (-0.3%) | 0.75 | 340 |
| 2023-12-01 | $319,900 (-1.6%) | $377,852 (-1.8%) | 0.78 | 301 |
| 2024-01-01 | $323,750 (-3.7%) | $379,122 (-2.0%) | 0.79 | 246 |
| 2024-02-01 | $334,925 (-5.6%) | $388,519 (-1.1%) | 0.81 | 235 |
| 2024-03-01 | $350,000 (-2.1%) | $418,496 (3.2%) | 0.82 | 266 |
| 2024-04-01 | $373,675 (-0.3%) | $429,448 (2.9%) | 0.87 | 291 |
| 2024-05-01 | $384,925 (4.4%) | $441,484 (2.4%) | 0.87 | 315 |
| 2024-06-01 | $379,900 (7.0%) | $443,612 (7.4%) | 0.85 | 338 |
| 2024-07-01 | $361,500 (1.1%) | $427,078 (4.1%) | 0.83 | 346 |
| 2024-08-01 | $359,000 (1.2%) | $416,384 (2.6%) | 0.83 | 380 |
| 2024-09-01 | $339,900 (-2.6%) | $409,565 (1.3%) | 0.80 | 415 |
| 2024-10-01 | $329,900 (0.2%) | $405,872 (4.7%) | 0.78 | 403 |
ST. CLOUD's median listing price for 2024-10-01 was $329,900, a difference of
$775
(0.2%) versus the prior year and
$-10,000 versus the prior month.
ST. CLOUD's median listing price comes in at 78% of the national average.
ST. CLOUD's average listing price for 2024-10-01 was $405,872, a difference of $18,127 (4.7%) versus the prior year and $-3,693 versus the prior month.
For the 2024-10-01 period, ST. CLOUD had 403 MLS listings, a difference of -12 listings (-3%) versus the prior month and 55 listings (16%) versus the prior year.
ST. CLOUD's median listing price comes in at 78% of the national average.
ST. CLOUD's average listing price for 2024-10-01 was $405,872, a difference of $18,127 (4.7%) versus the prior year and $-3,693 versus the prior month.
For the 2024-10-01 period, ST. CLOUD had 403 MLS listings, a difference of -12 listings (-3%) versus the prior month and 55 listings (16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ST. CLOUD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 88 days | 1,815 sqft |
| 2018-02-01 | 65 days | 1,871 sqft |
| 2018-03-01 | 54 days | 1,900 sqft |
| 2018-04-01 | 52 days | 1,999 sqft |
| 2018-05-01 | 46 days | 2,016 sqft |
| 2018-06-01 | 45 days | 2,041 sqft |
| 2018-07-01 | 51 days | 2,047 sqft |
| 2018-08-01 | 57 days | 2,045 sqft |
| 2018-09-01 | 57 days | 2,044 sqft |
| 2018-10-01 | 55 days | 2,003 sqft |
| 2018-11-01 | 61 days | 1,947 sqft |
| 2018-12-01 | 80 days | 1,851 sqft |
| 2019-01-01 | 87 days | 1,850 sqft |
| 2019-02-01 | 78 days | 1,841 sqft |
| 2019-03-01 | 59 days | 1,902 sqft |
| 2019-04-01 | 39 days | 2,003 sqft |
| 2019-05-01 | 38 days | 1,968 sqft |
| 2019-06-01 | 42 days | 1,974 sqft |
| 2019-07-01 | 47 days | 1,983 sqft |
| 2019-08-01 | 54 days | 1,975 sqft |
| 2019-09-01 | 64 days | 1,951 sqft |
| 2019-10-01 | 70 days | 1,926 sqft |
| 2019-11-01 | 77 days | 1,931 sqft |
| 2019-12-01 | 89 days | 1,959 sqft |
| 2020-01-01 | 86 days | 1,968 sqft |
| 2020-02-01 | 75 days | 2,043 sqft |
| 2020-03-01 | 51 days | 2,105 sqft |
| 2020-04-01 | 46 days | 2,101 sqft |
| 2020-05-01 | 47 days | 2,071 sqft |
| 2020-06-01 | 46 days | 2,063 sqft |
| 2020-07-01 | 48 days | 2,055 sqft |
| 2020-08-01 | 47 days | 2,128 sqft |
| 2020-09-01 | 45 days | 2,109 sqft |
| 2020-10-01 | 47 days | 2,025 sqft |
| 2020-11-01 | 55 days | 1,929 sqft |
| 2020-12-01 | 66 days | 1,900 sqft |
| 2021-01-01 | 69 days | 1,848 sqft |
| 2021-02-01 | 47 days | 1,905 sqft |
| 2021-03-01 | 39 days | 1,923 sqft |
| 2021-04-01 | 32 days | 1,920 sqft |
| 2021-05-01 | 35 days | 1,957 sqft |
| 2021-06-01 | 30 days | 1,916 sqft |
| 2021-07-01 | 34 days | 1,952 sqft |
| 2021-08-01 | 35 days | 1,945 sqft |
| 2021-09-01 | 39 days | 1,934 sqft |
| 2021-10-01 | 43 days | 1,909 sqft |
| 2021-11-01 | 50 days | 1,931 sqft |
| 2021-12-01 | 60 days | 1,946 sqft |
| 2022-01-01 | 77 days | 1,911 sqft |
| 2022-02-01 | 58 days | 2,212 sqft |
| 2022-03-01 | 33 days | 2,217 sqft |
| 2022-04-01 | 23 days | 2,256 sqft |
| 2022-05-01 | 21 days | 2,103 sqft |
| 2022-06-01 | 29 days | 2,053 sqft |
| 2022-07-01 | 39 days | 2,100 sqft |
| 2022-08-01 | 39 days | 2,124 sqft |
| 2022-09-01 | 46 days | 2,065 sqft |
| 2022-10-01 | 46 days | 2,060 sqft |
| 2022-11-01 | 57 days | 1,978 sqft |
| 2022-12-01 | 71 days | 1,945 sqft |
| 2023-01-01 | 78 days | 1,873 sqft |
| 2023-02-01 | 73 days | 2,002 sqft |
| 2023-03-01 | 44 days | 2,131 sqft |
| 2023-04-01 | 44 days | 2,061 sqft |
| 2023-05-01 | 34 days | 2,010 sqft |
| 2023-06-01 | 30 days | 2,036 sqft |
| 2023-07-01 | 37 days | 2,028 sqft |
| 2023-08-01 | 46 days | 2,052 sqft |
| 2023-09-01 | 46 days | 2,079 sqft |
| 2023-10-01 | 45 days | 2,007 sqft |
| 2023-11-01 | 53 days | 1,953 sqft |
| 2023-12-01 | 66 days | 1,868 sqft |
| 2024-01-01 | 62 days | 1,936 sqft |
| 2024-02-01 | 59 days | 2,013 sqft |
| 2024-03-01 | 36 days | 2,019 sqft |
| 2024-04-01 | 38 days | 2,135 sqft |
| 2024-05-01 | 30 days | 2,114 sqft |
| 2024-06-01 | 32 days | 2,121 sqft |
| 2024-07-01 | 44 days | 2,123 sqft |
| 2024-08-01 | 40 days | 2,032 sqft |
| 2024-09-01 | 44 days | 2,043 sqft |
| 2024-10-01 | 49 days | 2,002 sqft |
ST. CLOUD's median listing age (time on market) for 2024-10-01 was 49 days.
This
is 9%
longer
than the same period one year ago.
ST. CLOUD's median square footage for active listings during the 2024-10-01 period was 2,002 sqft. One year prior, the average listing was 2,007 sqft.
ST. CLOUD's median square footage for active listings during the 2024-10-01 period was 2,002 sqft. One year prior, the average listing was 2,007 sqft.
ST. CLOUD, MN Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 55320 | St. Cloud, MN MSA | $840 | $980 | $1,200 | $1,660 | $1,940 |
| 55329 | St. Cloud, MN MSA | $650 | $670 | $840 | $1,130 | $1,340 |
| 55353 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 55371 | St. Cloud, MN MSA | $840 | $980 | $1,200 | $1,660 | $1,950 |
| 55382 | St. Cloud, MN MSA | $890 | $980 | $1,200 | $1,660 | $1,940 |
| 55389 | St. Cloud, MN MSA | $660 | $680 | $850 | $1,140 | $1,360 |
| 56301 | St. Cloud, MN MSA | $790 | $820 | $1,020 | $1,370 | $1,630 |
| 56302 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56303 | St. Cloud, MN MSA | $720 | $750 | $930 | $1,250 | $1,490 |
| 56304 | St. Cloud, MN MSA | $840 | $980 | $1,200 | $1,660 | $1,940 |
| 56307 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56310 | St. Cloud, MN MSA | $650 | $670 | $840 | $1,130 | $1,340 |
| 56312 | St. Cloud, MN MSA | $680 | $710 | $880 | $1,180 | $1,410 |
| 56314 | St. Cloud, MN MSA | $740 | $760 | $950 | $1,280 | $1,520 |
| 56316 | St. Cloud, MN MSA | $660 | $680 | $850 | $1,140 | $1,360 |
| 56320 | St. Cloud, MN MSA | $840 | $870 | $1,080 | $1,450 | $1,720 |
| 56321 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56325 | St. Cloud, MN MSA | $800 | $830 | $1,030 | $1,390 | $1,650 |
| 56329 | St. Cloud, MN MSA | $840 | $980 | $1,200 | $1,660 | $1,940 |
| 56330 | St. Cloud, MN MSA | $670 | $740 | $970 | $1,370 | $1,650 |
| 56331 | St. Cloud, MN MSA | $810 | $840 | $1,050 | $1,410 | $1,680 |
| 56333 | St. Cloud, MN MSA | $700 | $720 | $900 | $1,210 | $1,440 |
| 56335 | St. Cloud, MN MSA | $740 | $770 | $960 | $1,290 | $1,530 |
| 56336 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56340 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56352 | St. Cloud, MN MSA | $740 | $770 | $960 | $1,290 | $1,530 |
| 56356 | St. Cloud, MN MSA | $760 | $790 | $990 | $1,330 | $1,580 |
| 56357 | St. Cloud, MN MSA | $690 | $740 | $940 | $1,300 | $1,550 |
| 56360 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56362 | St. Cloud, MN MSA | $690 | $720 | $890 | $1,200 | $1,420 |
| 56367 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56368 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56369 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56371 | St. Cloud, MN MSA | $670 | $700 | $870 | $1,170 | $1,390 |
| 56373 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56374 | St. Cloud, MN MSA | $720 | $750 | $930 | $1,250 | $1,490 |
| 56375 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56376 | St. Cloud, MN MSA | $640 | $660 | $830 | $1,110 | $1,320 |
| 56377 | St. Cloud, MN MSA | $880 | $910 | $1,130 | $1,520 | $1,800 |
| 56378 | St. Cloud, MN MSA | $670 | $690 | $860 | $1,160 | $1,370 |
| 56379 | St. Cloud, MN MSA | $840 | $980 | $1,200 | $1,660 | $1,940 |
| 56385 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56387 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56388 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56395 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
| 56398 | St. Cloud, MN MSA | $780 | $800 | $1,000 | $1,350 | $1,600 |
2022 Average & Median Rent Data Statistics
ST. CLOUD, MN average 1BR rent: $771, median: $755
ST. CLOUD, MN average 2BR rent: $961, median: $955
ST. CLOUD, MN average 3BR rent: $1,300, median: $1,290
ST. CLOUD, MN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,175 | $527,785,000 | $242,660 |
| Cash Out Refi | 449 | $58,155,000 | $129,521 |
| Refi | 260 | $60,940,000 | $234,385 |
| Other | 249 | $21,175,000 | $85,040 |
| Home Improvement | 219 | $25,695,000 | $117,329 |
St. Cloud's most frequently cited loan purpose was Home Purchase, with 2,175 originations. The 2nd most popular reason was Cash Out Refi, with 449 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,238 | $275,180,000 | $222,278 |
| 7-8% | 745 | $157,905,000 | $211,953 |
| Over 8% | 421 | $40,115,000 | $95,285 |
| 5-6% | 412 | $96,820,000 | $235,000 |
| <2.5% | 102 | $1,560,000 | $15,294 |
| 4-5% | 20 | $4,740,000 | $237,000 |
| 3-4% | 11 | $885,000 | $80,455 |
| 2.5-3% | 5 | $835,000 | $167,000 |
During 2023, St. Cloud's most frequently originated rate bucket was 6-7%, with 1,238 originations.
Loan Sizing (ST. CLOUD, MN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,239 | $336,115,000 | $271,279 |
| $100,000 or less | 1,008 | $45,110,000 | $44,752 |
| $100k-200k | 884 | $134,970,000 | $152,681 |
| $400k-600k | 149 | $70,935,000 | $476,074 |
| $600k-1000k | 53 | $38,265,000 | $721,981 |
| $Over $1MM | 19 | $68,355,000 | $3,597,632 |
ST. CLOUD's loan sizing saw the bucket of loans from $200k-400k with 1,239 originations, totaling $336,115,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,285 | $337,665,000 | $262,774 |
| Under 20% | 621 | $23,035,000 | $37,093 |
| 60-80% | 480 | $132,100,000 | $275,208 |
| 20-40% | 319 | $32,955,000 | $103,307 |
| 40-60% | 210 | $41,760,000 | $198,857 |
| Over 100% | 30 | $8,170,000 | $272,333 |
ST. CLOUD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,285 originations, totaling $337,665,000 in origination value.