ST. CLOUD Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in St. Cloud averaged 5.61% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.38% and one month ago for the week of 2022-04-07, the average rate was 5.03%.

St. Cloud's average rate one year ago was 3.11%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.37%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
St. Cloud 30 Year Fixed Rate 2022-05-12 5.61%
St. Cloud 30 Year Fixed Rate Refi 2022-05-12 5.37%
St. Cloud 15 Year Fixed Rate 2022-05-12 5.15%
St. Cloud 15 Year Fixed Rate Refi 2022-05-12 4.68%
St. Cloud 30 Year FHA 2022-05-12 5.37%
St. Cloud 30 Year FHA Refi 2022-05-12 5.3%
St. Cloud 30 Year USDA 2022-05-12 5.45%
St. Cloud 30 Year USDA Refi 2022-05-12 5.01%
St. Cloud 30 Year VA 2022-05-12 5.43%
St. Cloud 30 Year VA Refi 2022-05-12 5.12%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Liberty Bank Minnesota 350 3.02% $2,644
CENTRAL MINNESOTA Credit Union 308 3.03% $3,227
QUICKEN LOANS, LLC 224 3.08% $4,597
ST. CLOUD FINANCIAL 140 3.13% $3,514
U.S. Bank 138 3.01% $3,391
Servion, Inc. 121 3.14% $3,517
Bremer Bank 119 3.09% $4,288
Wells Fargo Bank 114 3.19% $2,979
UNITED WHOLESALE MORTGAGE, LLC 112 2.99% $4,782
PRIMELENDING, A PLAINSCAPITAL COMPANY 105 3.35% $4,396
HOMEOWNERS FINANCIAL GROUP USA, LLC 103 3.20% $4,233
Bell Bank 81 3.05% $3,422
PLAZA HOME MORTGAGE, INC. 76 3.06% $3,591
BROKER SOLUTIONS, INC. 69 3.12% $4,293
HOME POINT FINANCIAL CORPORATION 66 3.05% $3,907
BankVista 65 2.93% $3,370
NEWREZ LLC 65 3.08% $3,883
PENNYMAC LOAN SERVICES, LLC 61 3.04% $3,964
CROSSCOUNTRY MORTGAGE, LLC 60 3.09% $4,301
LOANDEPOT.COM, LLC 54 3.07% $4,101
Deerwood Bank 45 2.88% $4,567
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 3.08% $4,002
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 43 3.04% $4,100
Flagstar Bank, FSB 39 2.98% $4,169
AFFINITY PLUS 36 3.09% $3,879
GUARANTEED RATE AFFINITY, LLC 33 3.11% $3,255
FREEDOM MORTGAGE CORPORATION 31 2.97% $2,736
Merchants Bank 31 2.96% $3,536
GUARANTEED RATE, INC. 29 3.07% $4,652
Goldwater Bank, N.A. 28 3.17% $4,193
BAY EQUITY LLC 27 3.10% $4,057
Prosperity Home Mortgage, LLC 27 3.18% $3,580
Mr. Cooper ( Nationstar Mortgage ) 24 3.29% $4,917
Gate City Bank 23 2.88% $4,208
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 23 3.22% $4,750
American Bank of the North 22 3.07% $2,868
American Mortgage & Equity Consultants, Inc. 20 3.19% $3,330
Summit Mortgage Corporation 19 3.21% $3,538
Lake Area Bank 18 3.07% $3,732
Frandsen Bank & Trust 17 3.12% $3,901
RESULTS MORTGAGE, LLC 16 3.26% $3,486
UNION HOME MORTGAGE CORP. 16 2.84% $4,387
Citizens Bank 16 3.38% $2,908
EVERETT FINANCIAL, INC. 15 3.42% $2,079
AMERISAVE MORTGAGE CORPORATION 15 2.92% $4,448
UIF CORPORATION 15 3.12% $6,004
Tradition Mortgage, LLC 14 3.07% $3,104
Truist Bank 13 2.76% $3,926
CMG MORTGAGE, INC. 13 3.22% $7,214
Mortgages Unlimited Inc. 11 3.24% $5,109
Paramount Residential Mortgage Group, Inc. 11 3.36% $4,956
COMPEER FINANCIAL, FLCA 10 3.44% $4,294
JPMorgan Chase Bank 10 3.21% $2,698
LEADERONE FINANCIAL CORPORATION 10 2.79% $3,002
CALIBER HOME LOANS, INC. 10 3.24% $4,210
HOMESIDE FINANCIAL, LLC 10 3.09% $3,882
Heritage Bank 9 3.33% $3,813
Alerus Financial 9 2.99% $1,703
Barrington Bank & Trust Company, N.A. 9 3.07% $3,444
Plains Commerce Bank 9 2.96% $6,591
STEARNS LENDING, LLC 8 3.06% $3,211
Waterstone Mortgage Corporation 8 3.25% $4,958
SPIRE Credit Union 7 2.96% $3,869
MEGASTAR FINANCIAL CORP. 7 3.14% $4,360
GUARANTY HOME MORTGAGE CORPORATION 7 3.16% $4,182
TCF National Bank 7 3.09% $3,983
CORTRUST MORTGAGE, INC. 7 2.98% $5,873
First Guaranty Mortgage Corporation 6 3.04% $4,812
MOVEMENT MORTGAGE, LLC 6 3.14% $4,417
Lend Smart Mortgage, LLC 6 3.21% $3,767
HIWAY 6 3.10% $4,502
Carrington Mortgage Services, LLC 6 3.08% $4,210
BETTER MORTGAGE CORPORATION 6 2.98% $3,148
Liberty Savings Bank, F.S.B. 5 2.85% $8,057
Bank of America 5 3.18% $4,213
KELLER MORTGAGE, LLC 5 3.20% $1,986
The Huntington National Bank 5 2.83% $3,484
Chicago Mortgage Solutions LLC 5 2.87% $1,889
WINGS FINANCIAL 5 2.88% $3,599
IOWA BANKERS MORTGAGE CORPORATION 5 2.75% $5,140
First Western Bank & Trust 5 2.73% $3,661
Cambria Financial Group, LLC 4 2.81% $4,229
CHERRY CREEK MORTGAGE, LLC 4 3.22% $705
ROYAL UNITED MORTGAGE LLC 4 3.34% $5,030
Bank of England 4 3.19% $3,975
NAVY FEDERAL CREDIT UNION 4 3.34% $5,316
Town & Country Banc Mortgage Services, Inc. 4 2.91% $3,574
GUIDANCE RESIDENTIAL, LLC 4 2.97% $4,889
Mortgage Research Center, LLC 4 2.84% $2,814
CRESCENT MORTGAGE COMPANY 4 3.06% $5,060
AXIA FINANCIAL, LLC 3 3.33% $3,399
Old National Bank 3 3.25% $3,483
PHH Mortgage Corporation 3 3.38% $4,573
AMERICAN FINANCING CORPORATION 3 3.04% $2,464
City National Bank 3 2.59% $4,065
InterContinental Capital Group, Inc 3 3.21% $3,655
SOFI LENDING CORP. 3 3.08% $2,786
AMERICAN FINANCIAL NETWORK, INC. 3 3.13% $8,164
LAKEVIEW LOAN SERVICING, LLC 3 2.79% $3,138
DATA MORTGAGE, INC. 3 4.25% $4,238
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.25% $1,836
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 4.33% $10,352
Citizens Community Federal 2 3.19% $2,183
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 3.50% $3,314
Baxter Credit Union 2 2.88% $2,965
CELEBRITY HOME LOANS, LLC 2 4.00% $7,040
CHURCHILL MORTGAGE CORPORATION 2 3.18% $2,491
Devon Bank 2 3.31% $4,231
First International Bank & Trust 2 2.69% $3,268
First PREMIER Bank 2 2.88% $3,791
GREAT RIVER FEDERAL CREDIT UNION 2 3.19% $3,104
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.56% $3,422
HomeTown Bank 2 3.00% $5,277
Hometown Lenders, Inc. 2 3.13% $4,517
KS StateBank 2 3.44% $1,879
MORTGAGE ACCESS CORP. 2 3.12% $3,162
North American Savings Bank, F.S.B. 2 2.56% $3,175
Northview Bank 2 3.06% $3,442
PANORAMA MORTGAGE GROUP, LLC 2 5.50% $5,751
PNC Bank 2 2.81% $3,877
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.49% $3,878
Princeton Mortgage Corporation 2 2.88% $3,329
RELIANCE FIRST CAPITAL, LLC 2 3.75% $4,607
Royal Credit Union 2 3.38% $0
SUN WEST MORTGAGE COMPANY, INC. 2 3.25% $2,432
Wyndham Capital Mortgage, Inc. 2 2.69% $955
MORIA DEVELOPMENT, INC. 1 3.13% $7,668
ARC HOME LLC 1 6.55% $17,809
IMPAC MORTGAGE CORP. 1 2.88% $1,009
IDEAL 1 2.88% $5,289
HOMESTEAD FUNDING CORP. 1 2.50% $3,578
HANCOCK MORTGAGE PARTNERS, LLC 1 3.75% $4,859
GUILD MORTGAGE COMPANY 1 2.99% $4,442
GSF Mortgage Corporation 1 3.38% $3,749
GREAT LAKES 1 3.25% $1,852
UBS Bank USA 1 2.88% $5,676
Ameris Bank 1 2.88% $4,185
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.88% $6,279
AmeriHome Mortgage Company, LLC 1 3.75% $2,345
GENISYS 1 3.13% $3,740
Florida Capital Bank 1 3.25% $7,813
First United Bank and Trust Company 1 3.00% $3,578
First Bank & Trust 1 2.88% $4,591
FINANCE OF AMERICA MORTGAGE LLC 1 3.50% $3,423
PLUS RELOCATION MORTGAGE, LLC 1 3.13% $3,343
Amerifirst Financial, Inc. 1 3.25% $6,383
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 3.13% $2,815
Farm Credit Mid-America, ACA 1 3.30% $8,149
VERIDIAN CREDIT UNION 1 2.75% $2,257
ENVOY MORTGAGE, LTD 1 3.00% $3,890
EMM LOANS LLC 1 3.25% $6,087
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.25% $1,592
Reliant Bank 1 3.00% $4,511
Renasant Bank 1 2.63% $3,078
EMBRACE HOME LOANS, INC. 1 2.75% $3,498
AMERICAN INTERNET MORTGAGE, INC. 1 2.75% $1,633
Dakota Community Bank & Trust 1 2.75% $6,879
SECURITYNATIONAL MORTGAGE COMPANY 1 3.63% $3,656
Coulee Bank 1 3.38% $3,761
Sierra Pacific Mortgage Company, Inc. 1 3.13% $3,712
COMPASS MORTGAGE, INC. 1 2.63% $3,950
Commerce Bank 1 2.88% $3,757
SPRING EQ, LLC 1 2.88% $3,459
ACADEMY MORTGAGE CORPORATION 1 2.75% $2,220
Cf Bank 1 2.50% $933
SUCCESS MORTGAGE PARTNERS, INC. 1 3.63% $3,785
BNC National Bank 1 3.50% $3,020
Alliance Bank 1 4.00% $2,588
BMO Harris Bank 1 3.38% $3,423
Bank Midwest 1 3.00% $3,351
Think Mutual Bank 1 2.88% $3,592
TOPLINE FEDERAL CREDIT UNION 1 4.00% $4,721
TOWN AND COUNTRY Credit Union 1 2.88% $3,374
Axos Bank 1 2.75% $988
TOWNE MORTGAGE COMPANY 1 3.00% $3,826
Arvest Bank 1 3.13% $1,976
Triumph Bank 1 2.75% $7,173
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.38% $1,245
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.13% $3,420
LOANPAL, LLC 1 2.75% $3,948
Luxury Mortgage Corp. 1 6.13% $0
MANN FINANCIAL INC. 1 3.13% $4,921
Manufacturers and Traders Trust Company 1 3.13% $3,226
MAYO EMPLOYEES FEDERAL CREDIT UNION 1 3.25% $5,147
LAND HOME FINANCIAL SERVICES, INC. 1 2.88% $4,989
MEMBERS COOPERATIVE 1 2.38% $2,408
Ixonia Bank 1 2.63% $6,254
MID AMERICA MORTGAGE, INC. 1 3.13% $1,405
MILEND, INC. 1 2.75% $4,900

ST. CLOUD, MN's 189 lenders originated 8,697 loans during 2021. The total origination value was $1,944,445,000, with an average loan value of $223,577.

The top ST. CLOUD lender as defined by loan originations is Liberty Bank Minnesota, with 350 loans originated. Their average total fees are $2,644, which is $582 lower than the next largest lender, CENTRAL MINNESOTA Credit Union.

The lowest fee ST. CLOUD lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,079), Liberty Bank Minnesota ($2,644), JPMorgan Chase Bank ($2,698), FREEDOM MORTGAGE CORPORATION ($2,736) and American Bank of the North ($2,868).

The lowest rate ST. CLOUD lenders (with over 10 loans originated) are Truist Bank (2.76%), LEADERONE FINANCIAL CORPORATION (2.79%), UNION HOME MORTGAGE CORP. (2.84%), Deerwood Bank (2.88%) and Gate City Bank (2.88%).

ST. CLOUD, MN Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
WALKER & DUNLOP, LLC $198,865,000 n/a 10.2%
Liberty Bank Minnesota $237,780,000 $153,140,000 -35.6% 7.9%
CENTRAL MINNESOTA Credit Union $169,330,000 $128,715,000 -24.0% 6.6%
QUICKEN LOANS, LLC $69,475,000 $104,540,000 50.5% 5.4%
U.S. Bank $87,495,000 $66,390,000 -24.1% 3.4%
ST. CLOUD FINANCIAL $66,995,000 $63,910,000 -4.6% 3.3%
Bremer Bank $130,655,000 $61,125,000 -53.2% 3.1%
FREEDOM MORTGAGE CORPORATION $40,430,000 $53,540,000 32.4% 2.8%
UNITED WHOLESALE MORTGAGE, LLC $32,650,000 $50,645,000 55.1% 2.6%
Wells Fargo Bank $35,430,000 $50,070,000 41.3% 2.6%
HOMEOWNERS FINANCIAL GROUP USA, LLC $47,430,000 $48,990,000 3.3% 2.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $46,455,000 $39,180,000 -15.7% 2.0%
PLAZA HOME MORTGAGE, INC. $51,145,000 $37,065,000 -27.5% 1.9%
Bell Bank $27,965,000 $36,805,000 31.6% 1.9%
Servion, Inc. $48,290,000 $36,605,000 -24.2% 1.9%
BankVista $49,360,000 $35,685,000 -27.7% 1.8%
Deerwood Bank $39,755,000 $34,780,000 -12.5% 1.8%
HOME POINT FINANCIAL CORPORATION $26,125,000 $30,775,000 17.8% 1.6%
PENNYMAC LOAN SERVICES, LLC $26,280,000 $29,985,000 14.1% 1.5%
BROKER SOLUTIONS, INC. $38,420,000 $28,935,000 -24.7% 1.5%
NEWREZ LLC $7,460,000 $26,930,000 261.0% 1.4%
Sentry Bank $28,675,000 $24,185,000 -15.7% 1.2%
CROSSCOUNTRY MORTGAGE, LLC $8,900,000 $22,790,000 156.1% 1.2%
LOANDEPOT.COM, LLC $18,025,000 $22,670,000 25.8% 1.2%
AFFINITY PLUS $19,170,000 $19,850,000 3.5% 1.0%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $14,315,000 $17,285,000 20.7% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $14,745,000 $16,370,000 11.0% 0.8%
Mortgage Research Center, LLC $12,365,000 $15,735,000 27.3% 0.8%
Flagstar Bank, FSB $19,100,000 $13,950,000 -27.0% 0.7%
Goldwater Bank, N.A. $3,160,000 $12,760,000 303.8% 0.7%
Merchants Bank $10,210,000 $12,720,000 24.6% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $8,470,000 $12,395,000 46.3% 0.6%
GUARANTEED RATE AFFINITY, LLC $9,080,000 $12,310,000 35.6% 0.6%
Old National Bank $2,520,000 $12,005,000 376.4% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $7,735,000 $10,965,000 41.8% 0.6%
Prosperity Home Mortgage, LLC $19,145,000 $10,830,000 -43.4% 0.6%
GUARANTEED RATE, INC. $6,005,000 $10,730,000 78.7% 0.6%
Gate City Bank $10,240,000 $9,285,000 -9.3% 0.5%
BAY EQUITY LLC $9,185,000 $9,280,000 1.0% 0.5%
COMPEER FINANCIAL, FLCA $18,465,000 $9,250,000 -49.9% 0.5%
Arbor Realty Trust, Inc. $8,500,000 n/a 0.4%
American Heritage National Bank $15,880,000 $8,325,000 -47.6% 0.4%
EVERETT FINANCIAL, INC. $25,115,000 $8,075,000 -67.8% 0.4%
LAKEVIEW LOAN SERVICING, LLC $8,805,000 $7,920,000 -10.1% 0.4%
American Mortgage & Equity Consultants, Inc. $6,480,000 $7,435,000 14.7% 0.4%
American Bank of the North $7,700,000 $7,265,000 -5.6% 0.4%
RESULTS MORTGAGE, LLC $6,105,000 $6,955,000 13.9% 0.4%
Minnesota National Bank $4,145,000 $6,855,000 65.4% 0.4%
AMERISAVE MORTGAGE CORPORATION $4,990,000 $6,800,000 36.3% 0.3%
Summit Mortgage Corporation $2,165,000 $6,465,000 198.6% 0.3%
UNION HOME MORTGAGE CORP. $1,360,000 $6,465,000 375.4% 0.3%
Lake Area Bank $4,730,000 $6,440,000 36.2% 0.3%
CMG MORTGAGE, INC. $12,280,000 $6,270,000 -48.9% 0.3%
Frandsen Bank & Trust $6,210,000 $6,270,000 1.0% 0.3%
Sherburne State Bank $6,565,000 $6,175,000 -5.9% 0.3%
BMO Harris Bank $145,000 $5,740,000 3,858.6% 0.3%
Paramount Residential Mortgage Group, Inc. $3,160,000 $5,450,000 72.5% 0.3%
Barrington Bank & Trust Company, N.A. $2,545,000 $4,995,000 96.3% 0.3%
Citizens Bank $985,000 $4,960,000 403.6% 0.3%
Tradition Mortgage, LLC $6,160,000 $4,940,000 -19.8% 0.3%
GREAT RIVER FEDERAL CREDIT UNION $5,160,000 $4,695,000 -9.0% 0.2%
American National Bank of Minnesota $2,070,000 $4,535,000 119.1% 0.2%
JPMorgan Chase Bank $2,505,000 $4,285,000 71.1% 0.2%
Truist Bank $8,330,000 $4,260,000 -48.9% 0.2%
UIF CORPORATION $2,685,000 $4,185,000 55.9% 0.2%
Plains Commerce Bank $2,445,000 $4,005,000 63.8% 0.2%
BERKELEY POINT CAPITAL LLC $3,935,000 n/a 0.2%
CORTRUST MORTGAGE, INC. $3,580,000 $3,935,000 9.9% 0.2%
CALIBER HOME LOANS, INC. $5,085,000 $3,825,000 -24.8% 0.2%
Citizens Bank Minnesota $410,000 $3,685,000 798.8% 0.2%
Mortgages Unlimited Inc. $6,920,000 $3,530,000 -49.0% 0.2%
Heritage Bank $7,765,000 $3,405,000 -56.1% 0.2%
LEADERONE FINANCIAL CORPORATION $14,075,000 $3,400,000 -75.8% 0.2%
Chicago Mortgage Solutions LLC $935,000 $3,360,000 259.4% 0.2%
Alerus Financial $4,120,000 $3,280,000 -20.4% 0.2%
Bank of America $2,845,000 $3,175,000 11.6% 0.2%
NEW DAY FINANCIAL, LLC $2,205,000 $3,120,000 41.5% 0.2%
21ST MORTGAGE CORPORATION $1,700,000 $2,890,000 70.0% 0.1%
USAA Federal Savings Bank $5,965,000 $2,845,000 -52.3% 0.1%
Town & Country Banc Mortgage Services, Inc. $8,935,000 $2,830,000 -68.3% 0.1%
Waterstone Mortgage Corporation $4,200,000 $2,660,000 -36.7% 0.1%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $3,415,000 $2,655,000 -22.3% 0.1%
TCF National Bank $3,190,000 $2,655,000 -16.8% 0.1%
First Western Bank & Trust $950,000 $2,625,000 176.3% 0.1%
First Guaranty Mortgage Corporation $915,000 $2,500,000 173.2% 0.1%
Bank of England $1,900,000 $2,455,000 29.2% 0.1%
Carrington Mortgage Services, LLC $1,930,000 $2,430,000 25.9% 0.1%
Liberty Savings Bank, F.S.B. $1,755,000 $2,385,000 35.9% 0.1%
DATA MORTGAGE, INC. $1,800,000 $2,380,000 32.2% 0.1%
STEARNS LENDING, LLC $835,000 $2,380,000 185.0% 0.1%
SPIRE Credit Union $1,995,000 $2,340,000 17.3% 0.1%
BETTER MORTGAGE CORPORATION $2,320,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,025,000 $2,255,000 -25.5% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $995,000 $2,235,000 124.6% 0.1%
Lend Smart Mortgage, LLC $1,775,000 $2,235,000 25.9% 0.1%
NAVY FEDERAL CREDIT UNION $2,410,000 $2,190,000 -9.1% 0.1%
MOVEMENT MORTGAGE, LLC $1,310,000 $2,080,000 58.8% 0.1%
Bridgewater Bank $5,830,000 $2,040,000 -65.0% 0.1%
Community Resource Bank $2,035,000 n/a 0.1%
IOWA BANKERS MORTGAGE CORPORATION $1,465,000 $1,940,000 32.4% 0.1%
The Federal Savings Bank $2,840,000 $1,920,000 -32.4% 0.1%
MEGASTAR FINANCIAL CORP. $640,000 $1,895,000 196.1% 0.1%
The Huntington National Bank $105,000 $1,895,000 1,704.8% 0.1%
HOMESIDE FINANCIAL, LLC $195,000 $1,890,000 869.2% 0.1%
AXIA FINANCIAL, LLC $730,000 $1,845,000 152.7% 0.1%
CHURCHILL MORTGAGE CORPORATION $535,000 $1,820,000 240.2% 0.1%
Home Federal Savings Bank $1,765,000 n/a 0.1%
Minnwest Bank $365,000 $1,715,000 369.9% 0.1%
HIWAY $2,590,000 $1,680,000 -35.1% 0.1%
City National Bank $1,525,000 n/a 0.1%
SOUTHPOINT FINANCIAL $1,090,000 $1,520,000 39.4% 0.1%
CRESCENT MORTGAGE COMPANY $3,380,000 $1,510,000 -55.3% 0.1%
KELLER MORTGAGE, LLC $3,000,000 $1,460,000 -51.3% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $770,000 $1,440,000 87.0% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,000,000 $1,400,000 40.0% 0.1%
GUIDANCE RESIDENTIAL, LLC $1,230,000 $1,340,000 8.9% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,525,000 $1,340,000 -12.1% 0.1%
Wyndham Capital Mortgage, Inc. $875,000 $1,320,000 50.9% 0.1%
ENVOY MORTGAGE, LTD $790,000 $1,315,000 66.5% 0.1%
PLANET HOME LENDING, LLC $970,000 $1,315,000 35.6% 0.1%
PENTAGON FEDERAL CREDIT UNION $660,000 $1,300,000 97.0% 0.1%
UBS Bank USA $1,295,000 n/a 0.1%
Reliant Bank $1,285,000 n/a 0.1%
SOFI LENDING CORP. $760,000 $1,230,000 61.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $910,000 $1,225,000 34.6% 0.1%
InterContinental Capital Group, Inc $615,000 $1,190,000 93.5% 0.1%
Citizens Alliance Bank $175,000 $1,170,000 568.6% 0.1%
First Bank & Trust $8,505,000 $1,160,000 -86.4% 0.1%
WINGS FINANCIAL $2,665,000 $1,150,000 -56.8% 0.1%
RiverWood Bank $1,295,000 $1,140,000 -12.0% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $1,555,000 $1,100,000 -29.3% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,090,000 n/a 0.1%
Baxter Credit Union $990,000 $1,030,000 4.0% 0.1%
Cambria Financial Group, LLC $2,325,000 $1,005,000 -56.8% 0.1%
GUILD MORTGAGE COMPANY $1,600,000 $960,000 -40.0% 0.0%
CHERRY CREEK MORTGAGE, LLC $940,000 n/a 0.0%
Neighborhood National Bank $145,000 $930,000 541.4% 0.0%
Renasant Bank $910,000 n/a 0.0%
Hometown Lenders, Inc. $905,000 n/a 0.0%
Union State Bank of Fargo $900,000 n/a 0.0%
Cf Bank $610,000 $880,000 44.3% 0.0%
National Bank of Commerce $7,460,000 $855,000 -88.5% 0.0%
GSF Mortgage Corporation $1,685,000 $840,000 -50.1% 0.0%
PHH Mortgage Corporation $885,000 $835,000 -5.6% 0.0%
RELIANCE FIRST CAPITAL, LLC $830,000 n/a 0.0%
AMERICAN ADVISORS GROUP $155,000 $805,000 419.4% 0.0%
HomeTown Bank $1,815,000 $775,000 -57.3% 0.0%
Think Mutual Bank $1,010,000 $760,000 -24.8% 0.0%
North American Savings Bank, F.S.B. $1,135,000 $750,000 -33.9% 0.0%
ARC HOME LLC $185,000 $740,000 300.0% 0.0%
MORTGAGE ACCESS CORP. $730,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $715,000 $730,000 2.1% 0.0%
ROYAL UNITED MORTGAGE LLC $200,000 $715,000 257.5% 0.0%
Manufacturers and Traders Trust Company $690,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $220,000 $670,000 204.5% 0.0%
TOWN AND COUNTRY Credit Union $245,000 $660,000 169.4% 0.0%
PLUS RELOCATION MORTGAGE, LLC $650,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $230,000 $650,000 182.6% 0.0%
Commerce Bank $615,000 n/a 0.0%
Citizens Community Federal $410,000 $610,000 48.8% 0.0%
Devon Bank $450,000 $570,000 26.7% 0.0%
First International Bank & Trust $185,000 $540,000 191.9% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $605,000 $535,000 -11.6% 0.0%
LOANPAL, LLC $510,000 n/a 0.0%
Ixonia Bank $460,000 $505,000 9.8% 0.0%
First Western Trust Bank $485,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $480,000 n/a 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $475,000 n/a 0.0%
Princeton Mortgage Corporation $470,000 n/a 0.0%
Amerifirst Financial, Inc. $465,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $450,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $610,000 $450,000 -26.2% 0.0%
HOMESTEAD FUNDING CORP. $510,000 $450,000 -11.8% 0.0%
PNC Bank $205,000 $445,000 117.1% 0.0%
RUOFF MORTGAGE COMPANY, INC. $610,000 $440,000 -27.9% 0.0%
Ameris Bank $435,000 n/a 0.0%
Associated Bank $1,485,000 $435,000 -70.7% 0.0%
Coulee Bank $435,000 n/a 0.0%
Dakota Community Bank & Trust $435,000 n/a 0.0%
First State Bank of St. Charles, Missouri $435,000 n/a 0.0%
Low VA Rates, LLC $435,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,690,000 $430,000 -74.6% 0.0%
Roundbank $705,000 $430,000 -39.0% 0.0%
Farm Credit Mid-America, ACA $415,000 n/a 0.0%
IDEAL $400,000 n/a 0.0%
First Savings Bank $850,000 $390,000 -54.1% 0.0%
Two Harbors Federal Credit Union $385,000 n/a 0.0%
KS StateBank $840,000 $380,000 -54.8% 0.0%
MINNCO CREDIT UNION $380,000 n/a 0.0%
Farmers & Merchants Savings Bank $245,000 $375,000 53.1% 0.0%
Florida Capital Bank $3,235,000 $360,000 -88.9% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $655,000 $360,000 -45.0% 0.0%
CCM Finance, LLC $210,000 $355,000 69.0% 0.0%
MAYO EMPLOYEES FEDERAL CREDIT UNION $355,000 n/a 0.0%
Axos Bank $805,000 $345,000 -57.1% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $1,460,000 $340,000 -76.7% 0.0%
Deere Employees Credit Union $410,000 $335,000 -18.3% 0.0%
Royal Credit Union $600,000 $325,000 -45.8% 0.0%
First PREMIER Bank $85,000 $320,000 276.5% 0.0%
Gateway First Bank $315,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $315,000 n/a 0.0%
TOPLINE FEDERAL CREDIT UNION $1,140,000 $315,000 -72.4% 0.0%
MID AMERICA MORTGAGE, INC. $310,000 n/a 0.0%
Northview Bank $1,170,000 $310,000 -73.5% 0.0%
SHAREPOINT CREDIT UNION $510,000 $310,000 -39.2% 0.0%
SPRING EQ, LLC $325,000 $310,000 -4.6% 0.0%
MEMBERS COOPERATIVE $1,015,000 $305,000 -70.0% 0.0%
BEST CAPITAL FUNDING $300,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $300,000 n/a 0.0%
Arvest Bank $440,000 $295,000 -33.0% 0.0%
First Federal Bank $910,000 $285,000 -68.7% 0.0%
Magnolia Bank $360,000 $285,000 -20.8% 0.0%
MANN FINANCIAL INC. $225,000 $285,000 26.7% 0.0%
MORIA DEVELOPMENT, INC. $865,000 $285,000 -67.1% 0.0%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $205,000 $275,000 34.1% 0.0%
COMPASS MORTGAGE, INC. $275,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $275,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $270,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $265,000 n/a 0.0%
Triumph Bank $265,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $255,000 n/a 0.0%
GENISYS $125,000 $255,000 104.0% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $255,000 n/a 0.0%
Lake Elmo Bank $230,000 n/a 0.0%
First Bank Richmond $225,000 n/a 0.0%
LOANFLIGHT LENDING, LLC $225,000 n/a 0.0%
CHEVRON $215,000 n/a 0.0%
MILEND, INC. $835,000 $215,000 -74.3% 0.0%
AmeriHome Mortgage Company, LLC $850,000 $210,000 -75.3% 0.0%
American Federal Bank $285,000 $205,000 -28.1% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $245,000 $205,000 -16.3% 0.0%
First United Bank and Trust Company $205,000 n/a 0.0%
SOUTHWEST FUNDING, LP $165,000 $205,000 24.2% 0.0%
Texana Bank $155,000 $205,000 32.3% 0.0%
Mid-Continent Funding, Inc. $195,000 n/a 0.0%
Alliance Bank $235,000 $190,000 -19.1% 0.0%
HANCOCK MORTGAGE PARTNERS, LLC $1,240,000 $185,000 -85.1% 0.0%
Merchants Bank of Indiana $390,000 $175,000 -55.1% 0.0%
UNITED SECURITY FINANCIAL CORP $175,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $170,000 n/a 0.0%
OPEN MORTGAGE, LLC $165,000 n/a 0.0%
Sunrise Banks $165,000 n/a 0.0%
BNC National Bank $155,000 n/a 0.0%
Luxury Mortgage Corp. $155,000 n/a 0.0%
Minnesota Valley Federal Credit Union $450,000 $155,000 -65.6% 0.0%
St. Paul Federal Credit Union $235,000 $155,000 -34.0% 0.0%
Third Federal Savings and Loan Association of Cleveland $155,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,415,000 $145,000 -89.8% 0.0%
Bank Midwest $995,000 $145,000 -85.4% 0.0%
EMM LOANS LLC $840,000 $145,000 -82.7% 0.0%
GREAT LAKES $145,000 n/a 0.0%
TOWNE MORTGAGE COMPANY $145,000 $145,000 0.0% 0.0%
Chickasaw Community Bank $135,000 n/a 0.0%
IMPAC MORTGAGE CORP. $135,000 n/a 0.0%
NOVATION CREDIT UNION $135,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $170,000 $125,000 -26.5% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $125,000 n/a 0.0%
Northwest Bank $315,000 $125,000 -60.3% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $125,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $125,000 n/a 0.0%
Charter Bank $575,000 $115,000 -80.0% 0.0%
North Shore Bank of Commerce $115,000 n/a 0.0%
PARKSIDE LENDING, LLC $275,000 $115,000 -58.2% 0.0%
VERIDIAN CREDIT UNION $75,000 $115,000 53.3% 0.0%
TRIAD FINANCIAL SERVICES, INC. $45,000 $110,000 144.4% 0.0%
ACADEMY MORTGAGE CORPORATION $225,000 $105,000 -53.3% 0.0%
Ally Bank $105,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $105,000 n/a 0.0%
CANOPY MORTGAGE, LLC $95,000 n/a 0.0%
The State Bank of Faribault $1,205,000 $95,000 -92.1% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $690,000 $85,000 -87.7% 0.0%
LENDSURE MORTGAGE CORP. $85,000 n/a 0.0%
Discover Bank $865,000 $80,000 -90.8% 0.0%
Johnson Bank $75,000 n/a 0.0%
Bank of the West $2,250,000 $65,000 -97.1% 0.0%
NUMARK CREDIT UNION $65,000 n/a 0.0%
MidWestOne Bank $155,000 $55,000 -64.5% 0.0%
Connexus Credit Union $45,000 n/a 0.0%
American Investors Bank and Mortgage $35,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $35,000 n/a 0.0%
Figure Lending LLC $25,000 n/a 0.0%
Great Southern Bank $15,000 n/a 0.0%
CLEARPOINTE CAPITAL, LLC $25,000 $5,000 -80.0% 0.0%

ST. CLOUD's top lender by overall market share is WALKER & DUNLOP, LLC, with 10.2% market share. In second place, with 7.9%, is Liberty Bank Minnesota, having originated $153,140,000 in loans. In third place, with 6.6%, is CENTRAL MINNESOTA Credit Union, having originated $128,715,000 in loans. In third place, with 5.4%, is QUICKEN LOANS, LLC, having originated $104,540,000 in loans. In third place, with 3.4%, is U.S. Bank, having originated $66,390,000 in loans.


ST. CLOUD, MN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,326 $951,340,000 $286,031
Refi 3,236 $613,590,000 $189,614
Cash Out Refi 1,708 $323,870,000 $189,619
Other 271 $37,195,000 $137,251
Home Improvement 156 $18,450,000 $118,269

St. Cloud's most frequently cited loan purpose was Home Purchase, with 3,326 originations. The 2nd most popular reason was Refi, with 3,236 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 3,531 $936,225,000 $265,144
3-4% 2,605 $551,565,000 $211,733
<2.5% 1,896 $346,630,000 $182,822
4-5% 254 $28,650,000 $112,795
5-6% 62 $6,090,000 $98,226
6-7% 42 $4,030,000 $95,952
Over 8% 20 $880,000 $44,000
7-8% 11 $1,115,000 $101,364

During 2021, St. Cloud's most frequently originated rate bucket was 2.5-3%, with 3,531 originations.

Loan Sizing (ST. CLOUD, MN MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 3,927 $594,195,000 $151,310
$200k-400k 3,063 $811,445,000 $264,918
$100,000 or less 1,269 $73,675,000 $58,058
$400k-600k 360 $168,670,000 $468,528
$600k-1000k 47 $34,895,000 $742,447
$Over $1MM 31 $261,565,000 $8,437,581

ST. CLOUD's loan sizing saw the bucket of loans from $100k-200k with 3,927 originations, totaling $594,195,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,984 $678,390,000 $227,342
60-80% 2,904 $651,340,000 $224,291
40-60% 1,168 $200,970,000 $172,063
20-40% 485 $251,575,000 $518,711
Under 20% 466 $20,650,000 $44,313
Over 100% 51 $13,655,000 $267,745

ST. CLOUD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,984 originations, totaling $678,390,000 in origination value.


Market Conditions (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 $214,900 (8.5%) $251,144 (3.5%) 0.79 519
2018-02-01 $218,700 (0.6%) $259,810 (2.1%) 0.79 531
2018-03-01 $234,900 (3.9%) $270,682 (1.6%) 0.81 555
2018-04-01 $252,400 (12.2%) $285,062 (6.7%) 0.85 562
2018-05-01 $252,372 (14.7%) $289,350 (9.3%) 0.84 639
2018-06-01 $255,900 (17.0%) $292,696 (12.0%) 0.85 651
2018-07-01 $250,000 (19.1%) $294,705 (13.9%) 0.83 684
2018-08-01 $249,900 (16.8%) $292,174 (13.0%) 0.84 671
2018-09-01 $245,000 (16.7%) $286,042 (10.6%) 0.82 676
2018-10-01 $245,950 (16.6%) $282,684 (9.1%) 0.82 670
2018-11-01 $229,950 (9.5%) $272,223 (6.8%) 0.77 631
2018-12-01 $234,900 (9.5%) $274,714 (7.3%) 0.80 545
2019-01-01 $229,900 (7.0%) $274,808 (9.4%) 0.79 470
2019-02-01 $234,950 (7.4%) $277,788 (6.9%) 0.79 465
2019-03-01 $243,671 (3.7%) $287,618 (6.3%) 0.79 511
2019-04-01 $249,900 (-1.0%) $292,190 (2.5%) 0.79 582
2019-05-01 $249,850 (-1.0%) $286,905 (-0.9%) 0.77 672
2019-06-01 $249,900 (-2.3%) $288,992 (-1.3%) 0.77 702
2019-07-01 $249,250 (-0.3%) $290,301 (-1.5%) 0.77 725
2019-08-01 $239,943 (-4.0%) $283,905 (-2.8%) 0.76 761
2019-09-01 $239,943 (-2.1%) $280,291 (-2.0%) 0.76 765
2019-10-01 $234,500 (-4.7%) $271,696 (-3.9%) 0.75 726
2019-11-01 $232,900 (1.3%) $271,892 (-0.1%) 0.75 672
2019-12-01 $235,000 (0.0%) $272,639 (-0.8%) 0.78 546
2020-01-01 $233,400 (1.5%) $269,039 (-2.1%) 0.78 476
2020-02-01 $254,900 (8.5%) $290,248 (4.5%) 0.82 479
2020-03-01 $269,900 (10.8%) $305,319 (6.2%) 0.84 481
2020-04-01 $272,450 (9.0%) $307,805 (5.3%) 0.85 501
2020-05-01 $274,900 (10.0%) $307,628 (7.2%) 0.83 536
2020-06-01 $274,900 (10.0%) $311,856 (7.9%) 0.80 519
2020-07-01 $269,450 (8.1%) $309,821 (6.7%) 0.77 473
2020-08-01 $258,900 (7.9%) $306,732 (8.0%) 0.74 439
2020-09-01 $269,900 (12.5%) $317,717 (13.4%) 0.77 431
2020-10-01 $259,800 (10.8%) $313,883 (15.5%) 0.74 418
2020-11-01 $252,000 (8.2%) $308,576 (13.5%) 0.72 334
2020-12-01 $252,450 (7.4%) $311,233 (14.2%) 0.74 274
2021-01-01 $254,000 (8.8%) $314,428 (16.9%) 0.75 224
2021-02-01 $272,450 (6.9%) $352,191 (21.3%) 0.78 205
2021-03-01 $299,250 (10.9%) $363,401 (19.0%) 0.84 195
2021-04-01 $299,900 (10.1%) $356,402 (15.8%) 0.81 196
2021-05-01 $304,000 (10.6%) $360,381 (17.2%) 0.80 203
2021-06-01 $284,900 (3.6%) $347,099 (11.3%) 0.74 272
2021-07-01 $289,950 (7.6%) $348,742 (12.6%) 0.75 299
2021-08-01 $289,950 (12.0%) $341,487 (11.3%) 0.76 331
2021-09-01 $299,000 (10.8%) $341,072 (7.4%) 0.79 330
2021-10-01 $285,000 (9.7%) $332,637 (6.0%) 0.75 335
2021-11-01 $298,450 (18.4%) $337,184 (9.3%) 0.79 280
2021-12-01 $299,900 (18.8%) $352,901 (13.4%) 0.80 231
2022-01-01 $315,000 (24.0%) $368,465 (17.2%) 0.84 166
2022-02-01 $327,000 (20.0%) $377,528 (7.2%) 0.83 145
2022-03-01 $334,450 (11.8%) $398,963 (9.8%) 0.83 149
2022-04-01 $344,900 (15.0%) $402,487 (12.9%) 0.81 176
ST. CLOUD's median listing price for 2022-04-01 was $344,900, a difference of $45,000 (15.0%) versus the prior year and $10,450 versus the prior month.

ST. CLOUD's median listing price comes in at 81% of the national average.

ST. CLOUD's average listing price for 2022-04-01 was $402,487, a difference of $46,085 (12.9%) versus the prior year and $3,524 versus the prior month.

For the 2022-04-01 period, ST. CLOUD had 176 MLS listings, a difference of 27 listings (18%) versus the prior month and -20 listings (-10%) 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
2018-01-01 102 days 1,828 sqft
2018-02-01 94 days 1,874 sqft
2018-03-01 64 days 1,887 sqft
2018-04-01 63 days 1,987 sqft
2018-05-01 54 days 1,990 sqft
2018-06-01 51 days 2,018 sqft
2018-07-01 53 days 2,031 sqft
2018-08-01 59 days 2,019 sqft
2018-09-01 59 days 2,016 sqft
2018-10-01 59 days 2,000 sqft
2018-11-01 64 days 1,949 sqft
2018-12-01 82 days 1,885 sqft
2019-01-01 92 days 1,870 sqft
2019-02-01 80 days 1,860 sqft
2019-03-01 57 days 1,916 sqft
2019-04-01 42 days 2,012 sqft
2019-05-01 38 days 1,984 sqft
2019-06-01 42 days 1,988 sqft
2019-07-01 48 days 1,993 sqft
2019-08-01 51 days 1,967 sqft
2019-09-01 58 days 1,939 sqft
2019-10-01 63 days 1,923 sqft
2019-11-01 71 days 1,928 sqft
2019-12-01 84 days 1,956 sqft
2020-01-01 90 days 1,974 sqft
2020-02-01 84 days 2,044 sqft
2020-03-01 53 days 2,106 sqft
2020-04-01 49 days 2,112 sqft
2020-05-01 50 days 2,100 sqft
2020-06-01 48 days 2,071 sqft
2020-07-01 50 days 2,046 sqft
2020-08-01 50 days 2,112 sqft
2020-09-01 48 days 2,081 sqft
2020-10-01 45 days 2,016 sqft
2020-11-01 54 days 1,921 sqft
2020-12-01 68 days 1,887 sqft
2021-01-01 78 days 1,849 sqft
2021-02-01 58 days 1,916 sqft
2021-03-01 41 days 1,920 sqft
2021-04-01 37 days 1,919 sqft
2021-05-01 41 days 1,950 sqft
2021-06-01 32 days 1,892 sqft
2021-07-01 33 days 1,904 sqft
2021-08-01 36 days 1,945 sqft
2021-09-01 39 days 1,927 sqft
2021-10-01 42 days 1,910 sqft
2021-11-01 48 days 1,943 sqft
2021-12-01 58 days 1,917 sqft
2022-01-01 76 days 1,888 sqft
2022-02-01 66 days 2,240 sqft
2022-03-01 40 days 2,229 sqft
2022-04-01 32 days 2,247 sqft
ST. CLOUD's median listing age (time on market) for 2022-04-01 was 32 days. This is -12% shorter than the same period one year ago.

ST. CLOUD's median square footage for active listings during the 2022-04-01 period was 2,247 sqft. One year prior, the average listing was 1,919 sqft.