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 7.03% for the week of 2023-09-14, compared to the national average of 7.18% for the same period.

The average rate for the prior week (2023-09-07) was 7.17% and one month ago for the week of 2023-08-10, the average rate was 7.01%.

St. Cloud's average rate one year ago was 5.84%.

For refis of the same type during the week of 2023-09-14, the average rate was 6.38%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-14 7.18%
St. Cloud 30 Year Fixed Rate 2023-09-14 7.03%
St. Cloud 30 Year Fixed Rate Refi 2023-09-14 6.38%
St. Cloud 15 Year Fixed Rate 2023-09-14 6.46%
St. Cloud 15 Year Fixed Rate Refi 2023-09-14 6.02%
St. Cloud 30 Year FHA 2023-09-14 6.67%
St. Cloud 30 Year FHA Refi 2023-09-14 6.79%
St. Cloud 30 Year USDA 2023-09-14 6.88%
St. Cloud 30 Year USDA Refi 2023-09-14 7.08%
St. Cloud 30 Year VA 2023-09-14 6.4%
St. Cloud 30 Year VA Refi 2023-09-14 6.81%
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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
CENTRAL MINNESOTA Credit Union 217 5.23% $3,614
Liberty Bank Minnesota 139 4.81% $3,279
QUICKEN LOANS, LLC 93 4.86% $5,943
HOMEOWNERS FINANCIAL GROUP USA, LLC 90 5.34% $5,476
UNITED WHOLESALE MORTGAGE, LLC 89 5.22% $5,481
Bremer Bank 70 4.78% $5,852
ST. CLOUD FINANCIAL 69 4.93% $4,476
Servion, Inc. 61 4.83% $4,445
U.S. Bank 59 4.83% $4,343
Wells Fargo Bank 59 4.90% $4,039
PRIMELENDING, A PLAINSCAPITAL COMPANY 55 5.07% $5,940
Bell Bank 44 5.07% $4,646
CROSSCOUNTRY MORTGAGE, LLC 42 5.22% $6,115
HOME POINT FINANCIAL CORPORATION 39 4.59% $5,590
PENNYMAC LOAN SERVICES, LLC 37 4.84% $4,858
EVERETT FINANCIAL, INC. 33 5.23% $2,399
BROKER SOLUTIONS, INC. 29 4.98% $4,531
NEWREZ LLC 29 4.60% $4,010
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 26 5.21% $4,573
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 5.32% $5,648
PLAZA HOME MORTGAGE, INC. 25 4.78% $4,334
LOANDEPOT.COM, LLC 24 4.49% $7,064
Prosperity Home Mortgage, LLC 21 5.40% $4,304
Gate City Bank 20 4.29% $5,565
GUARANTEED RATE AFFINITY, LLC 20 5.23% $4,861
BankVista 19 5.10% $3,795
Mr. Cooper ( Nationstar Mortgage ) 17 4.65% $6,602
Flagstar Bank, FSB 15 4.75% $4,592
AFFINITY PLUS 14 5.12% $4,411
MOVEMENT MORTGAGE, LLC 13 5.23% $5,767
FREEDOM MORTGAGE CORPORATION 13 4.52% $5,077
Deerwood Bank 13 4.53% $5,463
BAY EQUITY LLC 12 4.80% $5,536
GUARANTEED RATE, INC. 11 4.65% $5,293
COMPEER FINANCIAL, FLCA 10 5.78% $4,088
RESULTS MORTGAGE, LLC 10 4.79% $5,747
Goldwater Bank, N.A. 10 5.33% $6,314
WINGS FINANCIAL 9 5.17% $3,186
Tradition Mortgage, LLC 9 5.29% $5,440
CARDINAL FINANCIAL 9 4.91% $5,945
GREAT RIVER FEDERAL CREDIT UNION 9 4.42% $4,573
Citizens Bank 8 4.92% $4,277
ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 5.21% $4,761
CORTRUST MORTGAGE, INC. 7 5.73% $6,094
IOWA BANKERS MORTGAGE CORPORATION 7 4.57% $4,818
CALIBER HOME LOANS, INC. 7 4.59% $5,758
SPIRE Credit Union 7 5.50% $4,589
CMG MORTGAGE, INC. 7 4.70% $6,535
Frandsen Bank & Trust 7 6.02% $5,099
The Huntington National Bank 6 5.29% $3,661
Royal Credit Union 6 4.92% $2,755
Waterstone Mortgage Corporation 6 5.02% $6,233
NAVY FEDERAL CREDIT UNION 6 5.63% $5,900
Alerus Financial 6 5.19% $4,080
American Mortgage & Equity Consultants, Inc. 6 4.67% $5,615
JPMorgan Chase Bank 6 4.08% $8,416
AMERISAVE MORTGAGE CORPORATION 6 3.81% $7,864
UNION HOME MORTGAGE CORP. 5 4.83% $4,682
Merchants Bank 5 4.15% $2,797
Mortgage Research Center, LLC 5 5.03% $3,120
Truist 5 4.62% $5,165
Bank of America 4 3.97% $4,032
Summit Mortgage Corporation 4 5.47% $7,165
Think Mutual Bank 4 4.75% $4,349
Plains Commerce Bank 4 4.78% $5,553
UIF CORPORATION 4 4.47% $7,364
First Western Bank & Trust 4 5.13% $3,428
Mortgages Unlimited Inc. 3 5.25% $7,422
GUIDANCE RESIDENTIAL, LLC 3 6.38% $5,274
DATA MORTGAGE, INC. 3 5.63% $4,917
Cambria Financial Group, LLC 3 3.88% $4,160
Ally Bank 3 4.13% $3,038
ENVOY MORTGAGE, LTD 3 4.67% $5,535
AMERICAN PACIFIC MORTGAGE CORPORATION 3 5.75% $8,366
Paramount Residential Mortgage Group, Inc. 3 5.13% $4,934
First International Bank & Trust 3 4.33% $4,289
Heritage Bank 3 4.96% $6,381
LAKEVIEW LOAN SERVICING, LLC 3 5.37% $3,235
Hometown Lenders, Inc. 3 4.87% $5,064
Minnwest Bank 3 4.63% $3,607
ZILLOW HOME LOANS, LLC 3 4.71% $4,463
GUARANTY HOME MORTGAGE CORPORATION 2 3.75% $4,120
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.81% $8,222
AmeriHome Mortgage Company, LLC 2 4.19% $2,080
AXIA FINANCIAL, LLC 2 5.94% $4,109
Bank of England 2 4.75% $5,134
Barrington Bank & Trust Company, N.A. 2 5.06% $3,428
BMO Harris Bank 2 4.44% $5,961
BNC National Bank 2 7.63% $6,536
CHURCHILL MORTGAGE CORPORATION 2 5.25% $3,542
Citadel Servicing Corporation 2 6.69% $16,021
City National Bank 2 3.77% $3,986
First Bank & Trust 2 5.06% $7,095
FIRST COMMUNITY CREDIT UNION 2 4.94% $4,051
GSF Mortgage Corporation 2 4.93% $8,004
Ixonia Bank 2 6.00% $4,665
MANN FINANCIAL INC. 2 5.75% $11,987
Morgan Stanley Private Bank 2 4.85% $3,390
Neighborhood Loans, Inc. 2 7.31% $6,040
Northview Bank 2 6.00% $4,298
Northwest Bank 2 3.56% $3,068
PNC Bank 2 4.44% $3,901
Raymond James Bank 2 4.56% $3,282
The Federal Savings Bank 2 5.44% $9,492
UBS Bank USA 2 3.63% $4,605
USAA Federal Savings Bank 2 5.25% $4,262
HIWAY 1 3.25% $5,866
Academy Bank 1 6.13% $3,373
GENISYS 1 4.88% $3,552
M&T Bank 1 3.63% $2,676
NATIONS RELIABLE LENDING, LLC 1 5.13% $2,815
First PREMIER Bank 1 7.64% $3,585
NBKC BANK 1 2.88% $1,876
Associated Bank 1 3.50% $3,873
First Internet Bank of Indiana 1 5.37% $3,433
Northpointe Bank 1 2.99% $2,163
NORTHROP GRUMMAN Federal Credit Union 1 4.88% $9,443
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.13% $5,383
ALAMEDA MORTGAGE CORPORATION 1 6.99% $6,177
First Guaranty Mortgage Corporation 1 3.25% $4,726
EMBRACE HOME LOANS, INC. 1 5.88% $5,823
PHH Mortgage Corporation 1 4.75% $4,019
DUPACO COMMUNITY 1 4.88% $3,649
DRAPER AND KRAMER MORTGAGE CORP. 1 3.63% $2,410
AMERICAN INTERNET MORTGAGE, INC. 1 5.00% $3,299
PREMIA MORTGAGE, LLC 1 6.63% $0
Discover Bank 1 4.99% $0
Devon Bank 1 5.88% $5,725
PROVIDENT FUNDING ASSOCIATES, L.P. 1 4.25% $4,402
CRESCENT MORTGAGE COMPANY 1 4.13% $6,599
Quontic Bank 1 6.38% $8,948
AMERICAN FINANCING CORPORATION 1 4.50% $4,943
RELIANCE FIRST CAPITAL, LLC 1 6.25% $8,153
CITIZENS EQUITY FIRST 1 4.50% $2,902
RiverWood Bank 1 3.38% $2,822
Citizens Community Federal 1 4.59% $5,294
Citibank 1 3.13% $4,762
SHAREPOINT CREDIT UNION 1 6.00% $2,695
Sierra Pacific Mortgage Company, Inc. 1 3.99% $9,527
CHERRY CREEK MORTGAGE, LLC 1 3.38% $825
Century Mortgage Company DBA Century Lending Company 1 7.00% $6,246
Carrington Mortgage Services, LLC 1 6.50% $12,605
AMERICAN FINANCE HOUSE LARIBA 1 6.13% $2,941
CAPITAL CREDIT UNION 1 4.38% $9,563
CALCON MUTUAL MORTGAGE LLC 1 7.25% $6,124
THRIVENT Federal Credit Union 1 3.88% $3,935
TOPLINE FEDERAL CREDIT UNION 1 3.50% $4,263
Town & Country Banc Mortgage Services 1 4.83% $3,573
BNY Mellon 1 5.50% $3,969
BETTER MORTGAGE CORPORATION 1 4.50% $9,594
BEST CAPITAL FUNDING 1 3.13% $5,977
Alliance Bank 1 5.00% $3,014
MEGASTAR FINANCIAL CORP. 1 4.00% $4,498
MEMBERS COOPERATIVE 1 5.75% $5,225
Lend Smart Mortgage, LLC 1 5.25% $15,037
MICHIGAN MUTUAL, INC. 1 4.99% $2,257
MILEND, INC. 1 3.50% $6,591
HomeTown Bank 1 3.38% $9,608
Bank Forward 1 5.25% $5,016
MORTGAGE 1 INCORPORATED 1 5.50% $3,585
HOMESIDE FINANCIAL, LLC 1 6.00% $9,429

ST. CLOUD Average Closing Costs & Other Stats

ST. CLOUD, MN's 161 lenders originated 4,490 loans during 2022. The total origination value was $963,750,000, with an average loan value of $214,644.

ST. CLOUD's average closing costs are $4,291.

The top ST. CLOUD lender as defined by loan originations is CENTRAL MINNESOTA Credit Union, with 217 loans originated. Their average total fees are $3,614, which is $336 higher than the next largest lender, Liberty Bank Minnesota.

The lowest fee ST. CLOUD lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,399), Liberty Bank Minnesota ($3,279), CENTRAL MINNESOTA Credit Union ($3,614), BankVista ($3,795) and NEWREZ LLC ($4,010).

The lowest rate ST. CLOUD lenders (with over 10 loans originated) are Gate City Bank (4.29%), LOANDEPOT.COM, LLC (4.49%), FREEDOM MORTGAGE CORPORATION (4.52%), Deerwood Bank (4.53%) and HOME POINT FINANCIAL CORPORATION (4.59%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
CENTRAL MINNESOTA Credit Union $128,715,000 $72,085,000 -44.0% 7.5%
Liberty Bank Minnesota $153,140,000 $57,325,000 -62.6% 5.9%
Bremer Bank $61,125,000 $43,505,000 -28.8% 4.5%
American Heritage National Bank $8,325,000 $38,380,000 361.0% 4.0%
QUICKEN LOANS, LLC $104,540,000 $37,780,000 -63.9% 3.9%
HOMEOWNERS FINANCIAL GROUP USA, LLC $48,990,000 $36,925,000 -24.6% 3.8%
UNITED WHOLESALE MORTGAGE, LLC $50,645,000 $34,330,000 -32.2% 3.6%
ST. CLOUD FINANCIAL $63,910,000 $29,810,000 -53.4% 3.1%
U.S. Bank $66,390,000 $28,505,000 -57.1% 3.0%
Wells Fargo Bank $50,070,000 $21,075,000 -57.9% 2.2%
EVERETT FINANCIAL, INC. $8,075,000 $21,010,000 160.2% 2.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $39,180,000 $20,460,000 -47.8% 2.1%
HOME POINT FINANCIAL CORPORATION $30,775,000 $18,175,000 -40.9% 1.9%
Servion, Inc. $36,605,000 $17,930,000 -51.0% 1.9%
Bell Bank $36,805,000 $17,670,000 -52.0% 1.8%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $2,655,000 $16,310,000 514.3% 1.7%
Bridgewater Bank $2,040,000 $15,915,000 680.1% 1.7%
CROSSCOUNTRY MORTGAGE, LLC $22,790,000 $15,750,000 -30.9% 1.6%
BROKER SOLUTIONS, INC. $28,935,000 $14,520,000 -49.8% 1.5%
LOANDEPOT.COM, LLC $22,670,000 $14,085,000 -37.9% 1.5%
Mortgage Research Center, LLC $15,735,000 $13,570,000 -13.8% 1.4%
PENNYMAC LOAN SERVICES, LLC $29,985,000 $13,570,000 -54.7% 1.4%
Sentry Bank $24,185,000 $13,005,000 -46.2% 1.3%
PLAZA HOME MORTGAGE, INC. $37,065,000 $12,885,000 -65.2% 1.3%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $17,285,000 $12,525,000 -27.5% 1.3%
BankVista $35,685,000 $11,175,000 -68.7% 1.2%
FREEDOM MORTGAGE CORPORATION $53,540,000 $10,390,000 -80.6% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $16,370,000 $10,080,000 -38.4% 1.0%
GUARANTEED RATE AFFINITY, LLC $12,310,000 $9,590,000 -22.1% 1.0%
Deerwood Bank $34,780,000 $9,185,000 -73.6% 1.0%
NEWREZ LLC $26,930,000 $9,125,000 -66.1% 0.9%
COMPEER FINANCIAL, FLCA $9,250,000 $8,165,000 -11.7% 0.8%
Gate City Bank $9,285,000 $7,885,000 -15.1% 0.8%
BAY EQUITY LLC $9,280,000 $6,950,000 -25.1% 0.7%
Prosperity Home Mortgage, LLC $10,830,000 $6,830,000 -36.9% 0.7%
Sherburne State Bank $6,175,000 $6,795,000 10.0% 0.7%
AFFINITY PLUS $19,850,000 $6,605,000 -66.7% 0.7%
Flagstar Bank, FSB $13,950,000 $6,320,000 -54.7% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $12,395,000 $5,975,000 -51.8% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $10,965,000 $5,745,000 -47.6% 0.6%
GUARANTEED RATE, INC. $10,730,000 $5,275,000 -50.8% 0.5%
CMG MORTGAGE, INC. $6,270,000 $4,900,000 -21.9% 0.5%
USAA Federal Savings Bank $2,845,000 $4,695,000 65.0% 0.5%
West Bank $4,660,000 n/a 0.5%
CALIBER HOME LOANS, INC. $3,825,000 $4,370,000 14.2% 0.5%
Minnesota National Bank $6,855,000 $4,265,000 -37.8% 0.4%
RESULTS MORTGAGE, LLC $6,955,000 $4,235,000 -39.1% 0.4%
Goldwater Bank, N.A. $12,760,000 $4,150,000 -67.5% 0.4%
Frandsen Bank & Trust $6,270,000 $4,050,000 -35.4% 0.4%
MOVEMENT MORTGAGE, LLC $2,080,000 $3,895,000 87.3% 0.4%
Citizens Bank $4,960,000 $3,780,000 -23.8% 0.4%
Citywide Banks $3,765,000 n/a 0.4%
American National Bank of Minnesota $4,535,000 $3,590,000 -20.8% 0.4%
NAVY FEDERAL CREDIT UNION $2,190,000 $3,505,000 60.0% 0.4%
SPIRE Credit Union $2,340,000 $3,490,000 49.1% 0.4%
GREAT RIVER FEDERAL CREDIT UNION $4,695,000 $3,405,000 -27.5% 0.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $205,000 $3,170,000 1,446.3% 0.3%
American Mortgage & Equity Consultants, Inc. $7,435,000 $3,115,000 -58.1% 0.3%
Tradition Mortgage, LLC $4,940,000 $3,090,000 -37.4% 0.3%
JPMorgan Chase Bank $4,285,000 $3,045,000 -28.9% 0.3%
Grandbridge Real Estate Capital LLC $2,920,000 n/a 0.3%
WINGS FINANCIAL $1,150,000 $2,875,000 150.0% 0.3%
AMERISAVE MORTGAGE CORPORATION $6,800,000 $2,730,000 -59.9% 0.3%
RiverWood Bank $1,140,000 $2,660,000 133.3% 0.3%
Bank of America $3,175,000 $2,590,000 -18.4% 0.3%
The Huntington National Bank $1,895,000 $2,565,000 35.4% 0.3%
Royal Credit Union $325,000 $2,375,000 630.8% 0.2%
Waterstone Mortgage Corporation $2,660,000 $2,355,000 -11.5% 0.2%
Heritage Bank $3,405,000 $2,350,000 -31.0% 0.2%
Summit Mortgage Corporation $6,465,000 $2,245,000 -65.3% 0.2%
Alerus Financial $3,280,000 $2,125,000 -35.2% 0.2%
UNION HOME MORTGAGE CORP. $6,465,000 $2,120,000 -67.2% 0.2%
Truist $4,260,000 $2,035,000 -52.2% 0.2%
CORTRUST MORTGAGE, INC. $3,935,000 $1,930,000 -51.0% 0.2%
LAKEVIEW LOAN SERVICING, LLC $7,920,000 $1,930,000 -75.6% 0.2%
CRESCENT MORTGAGE COMPANY $1,510,000 $1,925,000 27.5% 0.2%
IOWA BANKERS MORTGAGE CORPORATION $1,940,000 $1,895,000 -2.3% 0.2%
Merchants Bank $12,720,000 $1,820,000 -85.7% 0.2%
Old National Bank $12,005,000 $1,705,000 -85.8% 0.2%
Paramount Residential Mortgage Group, Inc. $5,450,000 $1,670,000 -69.4% 0.2%
DATA MORTGAGE, INC. $2,380,000 $1,640,000 -31.1% 0.2%
The Federal Savings Bank $1,920,000 $1,590,000 -17.2% 0.2%
UBS Bank USA $1,295,000 $1,510,000 16.6% 0.2%
BMO Harris Bank $5,740,000 $1,505,000 -73.8% 0.2%
NEW DAY FINANCIAL, LLC $3,120,000 $1,450,000 -53.5% 0.2%
Bank of England $2,455,000 $1,445,000 -41.1% 0.1%
NBKC BANK $1,415,000 n/a 0.1%
Hometown Lenders, Inc. $905,000 $1,400,000 54.7% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $85,000 $1,395,000 1,541.2% 0.1%
Think Mutual Bank $760,000 $1,360,000 78.9% 0.1%
Mortgages Unlimited Inc. $3,530,000 $1,290,000 -63.5% 0.1%
Flagship Banks Minnesota $1,210,000 n/a 0.1%
Carrington Mortgage Services, LLC $2,430,000 $1,200,000 -50.6% 0.1%
Morgan Stanley Private Bank $1,150,000 n/a 0.1%
21ST MORTGAGE CORPORATION $2,890,000 $1,140,000 -60.6% 0.1%
GUIDANCE RESIDENTIAL, LLC $1,340,000 $1,140,000 -14.9% 0.1%
First International Bank & Trust $540,000 $1,120,000 107.4% 0.1%
First Western Bank & Trust $2,625,000 $1,120,000 -57.3% 0.1%
Citizens Alliance Bank $1,170,000 $1,090,000 -6.8% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,340,000 $1,050,000 -21.6% 0.1%
UIF CORPORATION $4,185,000 $1,040,000 -75.1% 0.1%
Minnwest Bank $1,715,000 $1,020,000 -40.5% 0.1%
ZILLOW HOME LOANS, LLC $650,000 $995,000 53.1% 0.1%
PNC Bank $445,000 $985,000 121.3% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,440,000 $970,000 -32.6% 0.1%
BNY Mellon $965,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $125,000 $950,000 660.0% 0.1%
HIWAY $1,680,000 $935,000 -44.3% 0.1%
HomeTown Bank $775,000 $910,000 17.4% 0.1%
MILEND, INC. $215,000 $910,000 323.3% 0.1%
Plains Commerce Bank $4,005,000 $890,000 -77.8% 0.1%
MANN FINANCIAL INC. $285,000 $870,000 205.3% 0.1%
First Bank & Trust $1,160,000 $855,000 -26.3% 0.1%
City National Bank $1,525,000 $830,000 -45.6% 0.1%
Northview Bank $310,000 $820,000 164.5% 0.1%
Citadel Servicing Corporation $815,000 n/a 0.1%
Town & Country Banc Mortgage Services, Inc. $2,830,000 $790,000 -72.1% 0.1%
ENVOY MORTGAGE, LTD $1,315,000 $765,000 -41.8% 0.1%
Northwest Bank $125,000 $765,000 512.0% 0.1%
AmeriHome Mortgage Company, LLC $210,000 $755,000 259.5% 0.1%
Associated Bank $435,000 $730,000 67.8% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $430,000 $725,000 68.6% 0.1%
AMERICAN FINANCING CORPORATION $670,000 $720,000 7.5% 0.1%
Raymond James Bank $720,000 n/a 0.1%
GUARANTY HOME MORTGAGE CORPORATION $2,235,000 $675,000 -69.8% 0.1%
Cambria Financial Group, LLC $1,005,000 $665,000 -33.8% 0.1%
Discover Bank $80,000 $650,000 712.5% 0.1%
GENISYS $255,000 $585,000 129.4% 0.1%
TRIAD FINANCIAL SERVICES, INC. $110,000 $580,000 427.3% 0.1%
Northpointe Bank $570,000 n/a 0.1%
Alliance Bank $190,000 $555,000 192.1% 0.1%
Barrington Bank & Trust Company, N.A. $4,995,000 $550,000 -89.0% 0.1%
SOUTHPOINT FINANCIAL $1,520,000 $540,000 -64.5% 0.1%
GSF Mortgage Corporation $840,000 $530,000 -36.9% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $520,000 n/a 0.1%
BNC National Bank $155,000 $515,000 232.3% 0.1%
CITY-COUNTY CREDIT UNION $505,000 n/a 0.1%
AMERICAN FINANCE HOUSE LARIBA $500,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $1,820,000 $495,000 -72.8% 0.1%
TOPLINE FEDERAL CREDIT UNION $315,000 $495,000 57.1% 0.1%
The Bank of Elk River $475,000 n/a 0.0%
Ally Bank $105,000 $465,000 342.9% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $1,400,000 $460,000 -67.1% 0.0%
BEST CAPITAL FUNDING $300,000 $455,000 51.7% 0.0%
First Internet Bank of Indiana $445,000 n/a 0.0%
Nations Lending Corporation $440,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $430,000 n/a 0.0%
First Guaranty Mortgage Corporation $2,500,000 $425,000 -83.0% 0.0%
HOMESIDE FINANCIAL, LLC $1,890,000 $425,000 -77.5% 0.0%
RELIANCE FIRST CAPITAL, LLC $830,000 $420,000 -49.4% 0.0%
THRIVENT Federal Credit Union $420,000 n/a 0.0%
VERIDIAN CREDIT UNION $115,000 $415,000 260.9% 0.0%
Sierra Pacific Mortgage Company, Inc. $730,000 $405,000 -44.5% 0.0%
BETTER MORTGAGE CORPORATION $2,320,000 $395,000 -83.0% 0.0%
AXIA FINANCIAL, LLC $1,845,000 $390,000 -78.9% 0.0%
Citizens Community Federal $610,000 $385,000 -36.9% 0.0%
PHH Mortgage Corporation $835,000 $370,000 -55.7% 0.0%
Ixonia Bank $505,000 $365,000 -27.7% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,255,000 $360,000 -84.0% 0.0%
MEGASTAR FINANCIAL CORP. $1,895,000 $360,000 -81.0% 0.0%
NORTHROP GRUMMAN Federal Credit Union $355,000 n/a 0.0%
FIRST COMMUNITY CREDIT UNION $350,000 n/a 0.0%
American Federal Bank $205,000 $345,000 68.3% 0.0%
Neighborhood Loans, Inc. $345,000 n/a 0.0%
Figure Lending LLC $25,000 $330,000 1,220.0% 0.0%
Citibank $325,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $315,000 $320,000 1.6% 0.0%
Cornerstone Bank $315,000 n/a 0.0%
Citizens Bank Minnesota $3,685,000 $310,000 -91.6% 0.0%
PREMIA MORTGAGE, LLC $305,000 n/a 0.0%
Community Resource Bank $2,035,000 $300,000 -85.3% 0.0%
Devon Bank $570,000 $285,000 -50.0% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $285,000 n/a 0.0%
Charter Bank $115,000 $275,000 139.1% 0.0%
CHERRY CREEK MORTGAGE, LLC $940,000 $275,000 -70.7% 0.0%
Quontic Bank $275,000 n/a 0.0%
LOANPAL, LLC $510,000 $270,000 -47.1% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $275,000 $265,000 -3.6% 0.0%
CAPITAL CREDIT UNION $265,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $265,000 n/a 0.0%
Lend Smart Mortgage, LLC $2,235,000 $265,000 -88.1% 0.0%
Minnesota Valley Federal Credit Union $155,000 $265,000 71.0% 0.0%
PLANET HOME LENDING, LLC $1,315,000 $265,000 -79.8% 0.0%
LEADERONE FINANCIAL CORPORATION $3,400,000 $260,000 -92.4% 0.0%
Foresight Bank $255,000 n/a 0.0%
Bank Forward $245,000 n/a 0.0%
SPRING EQ, LLC $310,000 $245,000 -21.0% 0.0%
ALAMEDA MORTGAGE CORPORATION $235,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $450,000 $235,000 -47.8% 0.0%
Gateway First Bank $315,000 $235,000 -25.4% 0.0%
MEMBERS COOPERATIVE $305,000 $235,000 -23.0% 0.0%
SHAREPOINT CREDIT UNION $310,000 $235,000 -24.2% 0.0%
Academy Bank $225,000 n/a 0.0%
CALCON MUTUAL MORTGAGE LLC $225,000 n/a 0.0%
CorTrust Bank $225,000 n/a 0.0%
Deere Employees Credit Union $335,000 $220,000 -34.3% 0.0%
FINANCE OF AMERICA REVERSE LLC $220,000 n/a 0.0%
First PREMIER Bank $320,000 $220,000 -31.3% 0.0%
EMM LOANS LLC $145,000 $215,000 48.3% 0.0%
LENDINGONE, LLC $215,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $1,300,000 $215,000 -83.5% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $210,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $200,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $145,000 $195,000 34.5% 0.0%
CITIZENS EQUITY FIRST $195,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $195,000 n/a 0.0%
MORTGAGE 1 INCORPORATED $185,000 n/a 0.0%
North Shore Bank of Commerce $115,000 $185,000 60.9% 0.0%
AMERICAN ADVISORS GROUP $805,000 $175,000 -78.3% 0.0%
GUILD MORTGAGE COMPANY $960,000 $175,000 -81.8% 0.0%
AMERICAN HERITAGE LENDING, INC. $165,000 n/a 0.0%
Bank Midwest $145,000 $165,000 13.8% 0.0%
LADERA LENDING, INC. $165,000 n/a 0.0%
M&T Bank $690,000 $165,000 -76.1% 0.0%
OPEN MORTGAGE, LLC $165,000 $165,000 0.0% 0.0%
Associated Healthcare Credit Union $155,000 n/a 0.0%
Equity Prime Mortgage LLC $155,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $155,000 n/a 0.0%
Strong Home Mortgage, LLC $155,000 n/a 0.0%
AgCountry Farm Credit Services, FLCA $150,000 n/a 0.0%
NBH Bank $145,000 n/a 0.0%
Neighborhood National Bank $930,000 $145,000 -84.4% 0.0%
Texana Bank $205,000 $145,000 -29.3% 0.0%
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. $135,000 n/a 0.0%
DUPACO COMMUNITY $135,000 n/a 0.0%
FNB Moose Lake $135,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $135,000 n/a 0.0%
Great Southern Bank $15,000 $130,000 766.7% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $125,000 n/a 0.0%
Farmers & Merchants Savings Bank $375,000 $105,000 -72.0% 0.0%
Security First Bank of North Dakota $85,000 n/a 0.0%
Signature Federal Credit Union $85,000 n/a 0.0%
IDEAL $400,000 $55,000 -86.3% 0.0%
First Interstate Bank $45,000 n/a 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $35,000 n/a 0.0%
Anoka Hennepin Credit Union $25,000 n/a 0.0%
CLEARPOINTE CAPITAL, LLC $5,000 $15,000 200.0% 0.0%

ST. CLOUD's top lender by overall market share is CENTRAL MINNESOTA Credit Union, with 7.5% market share. In second place, with 5.9%, is Liberty Bank Minnesota, having originated $57,325,000 in loans. In third place, with 4.5%, is Bremer Bank, having originated $43,505,000 in loans. In fourth place, with 4.0%, is American Heritage National Bank, having originated $38,380,000 in loans. In fifth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $37,780,000 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 $212,475 (7.9%) $249,326 (4.2%) 0.79 509
2018-02-01 $217,450 (0.3%) $259,779 (3.2%) 0.79 526
2018-03-01 $224,900 (0.0%) $270,550 (2.0%) 0.79 541
2018-04-01 $249,950 (13.0%) $286,099 (8.3%) 0.85 545
2018-05-01 $249,950 (13.7%) $291,671 (11.5%) 0.83 611
2018-06-01 $254,900 (18.4%) $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 (13.5%) 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 (11.3%) 0.84 655
2018-11-01 $229,950 (10.1%) $273,979 (8.4%) 0.78 620
2018-12-01 $229,948 (9.5%) $275,031 (9.0%) 0.79 534
2019-01-01 $232,400 (9.4%) $276,566 (10.9%) 0.80 469
2019-02-01 $236,950 (9.0%) $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 $245,375 (-1.2%) $284,720 (-2.4%) 0.77 738
2019-08-01 $234,336 (-5.2%) $276,061 (-4.6%) 0.74 759
2019-09-01 $231,841 (-3.4%) $270,736 (-4.9%) 0.74 738
2019-10-01 $229,950 (-7.0%) $267,032 (-6.1%) 0.74 723
2019-11-01 $229,900 (0.0%) $266,766 (-2.6%) 0.75 669
2019-12-01 $231,950 (0.9%) $268,696 (-2.3%) 0.77 546
2020-01-01 $229,925 (-1.1%) $266,773 (-3.5%) 0.77 487
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 (9.8%) $310,786 (9.2%) 0.78 498
2020-08-01 $258,950 (10.5%) $307,415 (11.4%) 0.74 471
2020-09-01 $266,175 (14.8%) $316,149 (16.8%) 0.76 462
2020-10-01 $259,400 (12.8%) $312,681 (17.1%) 0.74 447
2020-11-01 $252,450 (9.8%) $307,738 (15.4%) 0.74 350
2020-12-01 $250,725 (8.1%) $311,778 (16.0%) 0.75 293
2021-01-01 $249,950 (8.7%) $317,645 (19.1%) 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%) 0.82 302
ST. CLOUD's median listing price for 2023-08-01 was $354,900, a difference of $19,000 (5.7%) versus the prior year and $-2,550 versus the prior month.

ST. CLOUD's median listing price comes in at 82% of the national average.

ST. CLOUD's average listing price for 2023-08-01 was $405,962, a difference of $17,452 (4.5%) versus the prior year and $-4,222 versus the prior month.

For the 2023-08-01 period, ST. CLOUD had 302 MLS listings, a difference of 7 listings (2%) versus the prior month and -6 listings (-2%) 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 1,817 sqft
2018-02-01 65 days 1,872 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 1,984 sqft
2019-08-01 55 days 1,976 sqft
2019-09-01 64 days 1,949 sqft
2019-10-01 70 days 1,925 sqft
2019-11-01 77 days 1,928 sqft
2019-12-01 89 days 1,958 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 1,901 sqft
2021-01-01 69 days 1,849 sqft
2021-02-01 47 days 1,905 sqft
2021-03-01 39 days 1,926 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 2,067 sqft
2022-10-01 46 days 2,064 sqft
2022-11-01 57 days 1,982 sqft
2022-12-01 71 days 1,945 sqft
2023-01-01 78 days 1,870 sqft
2023-02-01 73 days 2,002 sqft
2023-03-01 44 days 2,134 sqft
2023-04-01 44 days 2,061 sqft
2023-05-01 34 days 2,009 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
ST. CLOUD's median listing age (time on market) for 2023-08-01 was 46 days. This is 16% longer than the same period one year ago.

ST. CLOUD's median square footage for active listings during the 2023-08-01 period was 2,052 sqft. One year prior, the average listing was 2,124 sqft.

ST. CLOUD, MN Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
55320 St. Cloud, MN $810 $950 $1,180 $1,660 $1,950
55329 St. Cloud, MN $610 $640 $790 $1,080 $1,270
55353 St. Cloud, MN $590 $620 $760 $1,050 $1,230
55371 St. Cloud, MN $810 $950 $1,180 $1,660 $1,950
55382 St. Cloud, MN $810 $950 $1,180 $1,660 $1,950
55389 St. Cloud, MN $610 $640 $790 $1,080 $1,260
56301 St. Cloud, MN $710 $750 $920 $1,260 $1,480
56302 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56303 St. Cloud, MN $660 $690 $850 $1,170 $1,370
56304 St. Cloud, MN $810 $950 $1,180 $1,660 $1,950
56307 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56310 St. Cloud, MN $620 $650 $800 $1,100 $1,290
56312 St. Cloud, MN $680 $720 $880 $1,210 $1,420
56314 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56316 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56320 St. Cloud, MN $780 $820 $1,000 $1,370 $1,610
56321 St. Cloud, MN $650 $680 $840 $1,150 $1,350
56325 St. Cloud, MN $740 $770 $950 $1,300 $1,530
56329 St. Cloud, MN $810 $950 $1,180 $1,660 $1,950
56330 St. Cloud, MN $660 $740 $970 $1,370 $1,650
56331 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56333 St. Cloud, MN $630 $660 $810 $1,110 $1,310
56335 St. Cloud, MN $670 $700 $860 $1,180 $1,390
56336 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56340 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56352 St. Cloud, MN $670 $700 $860 $1,180 $1,390
56356 St. Cloud, MN $680 $710 $880 $1,200 $1,410
56357 St. Cloud, MN $630 $690 $870 $1,210 $1,430
56360 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56362 St. Cloud, MN $630 $660 $810 $1,110 $1,310
56367 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56368 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56369 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56371 St. Cloud, MN $620 $650 $790 $1,090 $1,280
56373 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56374 St. Cloud, MN $650 $680 $840 $1,150 $1,350
56375 St. Cloud, MN $610 $640 $780 $1,070 $1,260
56376 St. Cloud, MN $630 $660 $810 $1,110 $1,310
56377 St. Cloud, MN $810 $850 $1,040 $1,430 $1,680
56378 St. Cloud, MN $590 $620 $760 $1,050 $1,230
56379 St. Cloud, MN $810 $950 $1,180 $1,660 $1,950
56385 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56387 St. Cloud, MN $710 $750 $920 $1,260 $1,480
56388 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56395 St. Cloud, MN $710 $740 $910 $1,250 $1,470
56398 St. Cloud, MN $710 $740 $910 $1,250 $1,470

2022 Average & Median Rent Data Statistics
ST. CLOUD, MN average 1BR rent: $723, median: $700
ST. CLOUD, MN average 2BR rent: $892, median: $865
ST. CLOUD, MN average 3BR rent: $1,232, median: $1,190

ST. CLOUD, MN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,669 $661,455,000 $247,829
Cash Out Refi 811 $141,765,000 $174,803
Refi 603 $125,985,000 $208,930
Home Improvement 227 $17,685,000 $77,907
Other 180 $16,860,000 $93,667

St. Cloud's most frequently cited loan purpose was Home Purchase, with 2,669 originations. The 2nd most popular reason was Cash Out Refi, with 811 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 1,244 $268,240,000 $215,627
4-5% 939 $202,675,000 $215,841
3-4% 892 $190,560,000 $213,632
6-7% 499 $96,765,000 $193,918
2.5-3% 245 $48,865,000 $199,449
<2.5% 217 $22,085,000 $101,774
7-8% 133 $20,335,000 $152,895
Over 8% 63 $3,395,000 $53,889

During 2022, St. Cloud's most frequently originated rate bucket was 5-6%, with 1,244 originations.

Loan Sizing (ST. CLOUD, MN MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,616 $433,620,000 $268,329
$100k-200k 1,512 $230,450,000 $152,414
$100,000 or less 1,016 $47,620,000 $46,870
$400k-600k 236 $111,090,000 $470,720
$600k-1000k 86 $61,540,000 $715,581
$Over $1MM 24 $79,430,000 $3,309,583

ST. CLOUD's loan sizing saw the bucket of loans from $200k-400k with 1,616 originations, totaling $433,620,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,803 $472,085,000 $261,833
60-80% 1,007 $233,865,000 $232,239
Under 20% 617 $24,555,000 $39,797
40-60% 395 $72,955,000 $184,696
20-40% 342 $33,180,000 $97,018
Over 100% 46 $12,930,000 $281,087

ST. CLOUD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,803 originations, totaling $472,085,000 in origination value.