ST. CLOUD Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in St. Cloud averaged
6.81%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.94% and
one month ago for the week of 2023-02-09, the
average rate was 6.23%.
St. Cloud's average rate one year ago was 3.76%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.57%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
St. Cloud 30 Year Fixed Rate | 2023-03-16 | 6.81% |
St. Cloud 30 Year Fixed Rate Refi | 2023-03-16 | 6.57% |
St. Cloud 15 Year Fixed Rate | 2023-03-16 | 6.27% |
St. Cloud 15 Year Fixed Rate Refi | 2023-03-16 | 6% |
St. Cloud 30 Year FHA | 2023-03-16 | 6.36% |
St. Cloud 30 Year FHA Refi | 2023-03-16 | 6.59% |
St. Cloud 30 Year USDA | 2023-03-16 | 6.65% |
St. Cloud 30 Year USDA Refi | 2023-03-16 | 6.42% |
St. Cloud 30 Year VA | 2023-03-16 | 6.11% |
St. Cloud 30 Year VA Refi | 2023-03-16 | 6.1% |
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 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.
ST. CLOUD's average closing costs are $4,056.
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 (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 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 | 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 fourth place, with 5.4%, is QUICKEN LOANS, LLC, having originated $104,540,000 in loans. In fifth place, with 3.4%, is U.S. Bank, having originated $66,390,000 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. LouisDate | 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%) | $284,837 (11.5%) | 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 (-5.0%) | 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%) | 0.81 | 495 |
2020-03-01 | $269,900 (10.5%) | $300,822 (5.0%) | 0.84 | 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%) | 0.74 | 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%) | 0.80 | 217 |
2021-05-01 | $299,900 (11.1%) | $368,103 (21.1%) | 0.79 | 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%) | $380,845 (8.4%) | 0.73 | 311 |
2022-08-01 | $335,900 (15.9%) | $388,510 (12.7%) | 0.77 | 308 |
2022-09-01 | $329,900 (11.5%) | $380,475 (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 | $354,900 (9.9%) | $392,884 (3.4%) | 0.86 | 198 |
ST. CLOUD's median listing price comes in at 86% of the national average.
ST. CLOUD's average listing price for 2023-02-01 was $392,884, a difference of $12,834 (3.4%) versus the prior year and $6,009 versus the prior month.
For the 2023-02-01 period, ST. CLOUD had 198 MLS listings, a difference of -10 listings (-5%) versus the prior month and 45 listings (29%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - ST. CLOUD (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 101 days | 1,817 sqft |
2018-02-01 | 96 days | 1,872 sqft |
2018-03-01 | 65 days | 1,900 sqft |
2018-04-01 | 63 days | 1,999 sqft |
2018-05-01 | 54 days | 2,016 sqft |
2018-06-01 | 49 days | 2,041 sqft |
2018-07-01 | 53 days | 2,047 sqft |
2018-08-01 | 59 days | 2,045 sqft |
2018-09-01 | 60 days | 2,043 sqft |
2018-10-01 | 58 days | 2,003 sqft |
2018-11-01 | 64 days | 1,947 sqft |
2018-12-01 | 82 days | 1,851 sqft |
2019-01-01 | 89 days | 1,850 sqft |
2019-02-01 | 84 days | 1,841 sqft |
2019-03-01 | 63 days | 1,902 sqft |
2019-04-01 | 42 days | 2,003 sqft |
2019-05-01 | 39 days | 1,968 sqft |
2019-06-01 | 43 days | 1,974 sqft |
2019-07-01 | 49 days | 1,984 sqft |
2019-08-01 | 57 days | 1,976 sqft |
2019-09-01 | 66 days | 1,949 sqft |
2019-10-01 | 72 days | 1,925 sqft |
2019-11-01 | 82 days | 1,928 sqft |
2019-12-01 | 93 days | 1,958 sqft |
2020-01-01 | 89 days | 1,968 sqft |
2020-02-01 | 82 days | 2,043 sqft |
2020-03-01 | 54 days | 2,105 sqft |
2020-04-01 | 49 days | 2,101 sqft |
2020-05-01 | 50 days | 2,071 sqft |
2020-06-01 | 49 days | 2,063 sqft |
2020-07-01 | 50 days | 2,055 sqft |
2020-08-01 | 50 days | 2,130 sqft |
2020-09-01 | 48 days | 2,109 sqft |
2020-10-01 | 50 days | 2,025 sqft |
2020-11-01 | 57 days | 1,929 sqft |
2020-12-01 | 68 days | 1,901 sqft |
2021-01-01 | 78 days | 1,849 sqft |
2021-02-01 | 53 days | 1,905 sqft |
2021-03-01 | 41 days | 1,926 sqft |
2021-04-01 | 33 days | 1,920 sqft |
2021-05-01 | 37 days | 1,957 sqft |
2021-06-01 | 30 days | 1,916 sqft |
2021-07-01 | 35 days | 1,952 sqft |
2021-08-01 | 36 days | 1,945 sqft |
2021-09-01 | 39 days | 1,934 sqft |
2021-10-01 | 44 days | 1,909 sqft |
2021-11-01 | 50 days | 1,931 sqft |
2021-12-01 | 61 days | 1,946 sqft |
2022-01-01 | 79 days | 1,911 sqft |
2022-02-01 | 65 days | 2,212 sqft |
2022-03-01 | 36 days | 2,217 sqft |
2022-04-01 | 27 days | 2,256 sqft |
2022-05-01 | 22 days | 2,103 sqft |
2022-06-01 | 29 days | 2,053 sqft |
2022-07-01 | 40 days | 2,098 sqft |
2022-08-01 | 41 days | 2,124 sqft |
2022-09-01 | 46 days | 2,063 sqft |
2022-10-01 | 46 days | 2,064 sqft |
2022-11-01 | 58 days | 1,982 sqft |
2022-12-01 | 71 days | 1,945 sqft |
2023-01-01 | 80 days | 1,871 sqft |
2023-02-01 | 75 days | 2,004 sqft |
ST. CLOUD's median square footage for active listings during the 2023-02-01 period was 2,004 sqft. One year prior, the average listing was 2,212 sqft.
ST. CLOUD, MN Average Rent (2022)
Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.
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 | 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.