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.).
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.
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'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.
| 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.