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 5.93% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.09% and one month ago for the week of 2024-08-29, the average rate was 6.26%.

St. Cloud's average rate one year ago was 7.22%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.92%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
St. Cloud 30 Year Fixed Rate 2024-10-03 5.93%
St. Cloud 30 Year Fixed Rate Refi 2024-10-03 6.92%
St. Cloud 15 Year Fixed Rate 2024-10-03 5.35%
St. Cloud 15 Year Fixed Rate Refi 2024-10-03 5.15%
St. Cloud 30 Year FHA 2024-10-03 5.82%
St. Cloud 30 Year FHA Refi 2024-10-03 5.89%
St. Cloud 30 Year USDA 2024-10-03 5.97%
St. Cloud 30 Year USDA Refi 2024-10-03 6.07%
St. Cloud 30 Year VA 2024-10-03 5.49%
St. Cloud 30 Year VA Refi 2024-10-03 5.5%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ST. CLOUD, MN.

ST. CLOUD Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ST. CLOUD, MN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
CENTRAL MINNESOTA Credit Union 158 6.79% $3,346
Bremer Bank 77 6.74% $6,117
Liberty Bank Minnesota 71 6.96% $2,811
HOMEOWNERS FINANCIAL GROUP USA, LLC 67 6.99% $6,691
UNITED WHOLESALE MORTGAGE, LLC 64 6.91% $6,677
ST. CLOUD FINANCIAL 51 6.37% $4,990
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 46 7.02% $5,620
QUICKEN LOANS, LLC 33 6.77% $6,413
BROKER SOLUTIONS, INC. 30 7.10% $6,477
PLAZA HOME MORTGAGE, INC. 29 6.75% $4,459
Bell Bank 29 6.94% $5,065
PENNYMAC LOAN SERVICES, LLC 28 6.65% $5,610
Servion, Inc. 27 6.56% $5,134
U.S. Bank 26 6.91% $4,659
Wells Fargo Bank 23 6.86% $4,478
CROSSCOUNTRY MORTGAGE, LLC 23 7.09% $6,966
NEWREZ LLC 20 6.86% $5,013
PRIMELENDING, A PLAINSCAPITAL COMPANY 18 6.83% $7,191
Deerwood Bank 17 6.85% $5,443
EVERETT FINANCIAL, INC. 17 7.03% $4,077
Prosperity Home Mortgage, LLC 15 6.83% $5,269
GUARANTEED RATE AFFINITY, LLC 15 6.58% $5,011
TRUSTONE FINANCIAL FEDERAL CREDIT UNION 13 6.60% $4,395
LOANDEPOT.COM, LLC 12 7.04% $6,243
Frandsen Bank & Trust 11 6.48% $4,338
The Huntington National Bank 11 6.70% $4,299
AFFINITY PLUS 10 6.86% $4,516
Gate City Bank 10 6.11% $4,287
Royal Credit Union 9 6.76% $4,522
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 9 7.03% $5,395
CMG MORTGAGE, INC. 9 6.65% $6,625
Neighborhood Loans, Inc. 8 6.89% $6,544
Flagstar Bank, FSB 8 6.77% $4,731
SPIRE Credit Union 8 6.38% $3,417
GREAT RIVER FEDERAL CREDIT UNION 7 5.10% $4,367
UNION HOME MORTGAGE CORP. 7 6.59% $4,764
Citizens Bank 7 6.79% $4,533
WINGS FINANCIAL 7 6.30% $3,099
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.21% $3,763
COMPEER FINANCIAL, FLCA 6 7.42% $5,228
CORTRUST MORTGAGE, INC. 6 7.33% $5,750
Heritage Bank 6 6.73% $5,082
GUIDANCE RESIDENTIAL, LLC 5 7.15% $4,621
FREEDOM MORTGAGE CORPORATION 5 6.35% $7,675
American Mortgage & Equity Consultants, Inc. 5 7.17% $6,714
Mr. Cooper ( Nationstar Mortgage ) 5 6.55% $6,702
Summit Mortgage Corporation 4 7.44% $3,836
BAY EQUITY LLC 4 6.81% $5,762
First Bank & Trust 4 6.25% $5,799
Goldwater Bank, N.A. 4 6.38% $4,747
GUARANTEED RATE, INC. 4 6.47% $4,713
CARDINAL FINANCIAL 4 6.47% $6,743
Century Mortgage Company DBA Century Lending Company 4 6.75% $6,317
Bank of England 4 7.13% $4,706
Merchants Bank 3 6.65% $4,229
Tradition Mortgage, LLC 3 4.92% $2,351
SWBC MORTGAGE CORPORATION 3 7.29% $5,130
Minnwest Bank 3 6.46% $4,982
NBKC BANK 3 7.21% $6,902
Ixonia Bank 3 7.50% $5,617
AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.13% $7,217
MOVEMENT MORTGAGE, LLC 3 6.48% $7,431
Alerus Financial 3 7.25% $5,795
UIF CORPORATION 3 6.21% $7,573
Truist 3 6.87% $4,786
MASON MCDUFFIE MORTGAGE CORPORATION 2 7.49% $6,033
TOPLINE FEDERAL CREDIT UNION 2 6.19% $6,196
MEGASTAR FINANCIAL CORP. 2 6.50% $10,299
JPMorgan Chase Bank 2 7.31% $2,747
BMO Harris Bank 2 6.56% $5,195
First Western Bank & Trust 2 6.13% $4,389
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.87% $5,163
IOWA BANKERS MORTGAGE CORPORATION 2 7.13% $3,306
Ally Bank 2 5.88% $12,902
MEMBERS COOPERATIVE 1 6.38% $5,159
ALTRA 1 5.75% $2,863
AMERICAN FINANCIAL NETWORK, INC. 1 7.00% $8,908
AMERICAN INTERNET MORTGAGE, INC. 1 6.50% $3,757
AmeriHome Mortgage Company, LLC 1 6.88% $8,033
AMERISAVE MORTGAGE CORPORATION 1 6.63% $14,628
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.63% $8,819
Barrington Bank & Trust Company, N.A. 1 6.63% $5,500
BETTER MORTGAGE CORPORATION 1 6.13% $2,080
CALIBER HOME LOANS, INC. 1 7.63% $6,073
Cambria Financial Group, LLC 1 6.38% $6,244
Capital Bank 1 7.13% $3,455
Choice Financial Group 1 5.63% $5,815
CHURCHILL MORTGAGE CORPORATION 1 6.88% $3,867
Citadel Servicing Corporation 1 10.00% $14,093
Citibank 1 5.00% $8,407
Citizens Community Federal 1 7.38% $2,829
CITYWIDE HOME LOANS, LLC 1 6.00% $6,381
DATA MORTGAGE, INC. 1 6.75% $7,688
DEEPHAVEN MORTGAGE LLC 1 8.99% $11,284
Deere Employees Credit Union 1 7.25% $2,934
DRAPER AND KRAMER MORTGAGE CORP. 1 7.25% $3,642
First United Bank 1 7.25% $4,416
Flanagan State Bank 1 6.38% $9,439
Heartland Bank and Trust Company 1 6.23% $2,164
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.50% $5,646
HIWAY 1 6.38% $3,089
LAND HOME FINANCIAL SERVICES, INC. 1 7.50% $11,492
MANN FINANCIAL INC. 1 6.63% $4,545
MILEND, INC. 1 6.88% $8,866
MORTGAGE ACCESS CORP. 1 6.49% $6,068
Mortgage Research Center, LLC 1 7.25% $2,431
Mortgages Unlimited Inc. 1 6.38% $5,095
Nations Lending Corporation 1 7.63% $3,640
Northpointe Bank 1 7.25% $4,682
Northview Bank 1 6.50% $4,766
NP, Inc. 1 8.00% $11,795
Paramount Residential Mortgage Group, Inc. 1 7.88% $17,707
QUORUM FEDERAL CREDIT UNION 1 6.88% $2,439
ROYAL UNITED MORTGAGE LLC 1 7.00% $5,078
SECURITYNATIONAL MORTGAGE COMPANY 1 7.62% $9,563
UBS Bank USA 1 6.50% $3,510
USAA Federal Savings Bank 1 6.25% $5,910

ST. CLOUD Average Closing Costs & Other Stats

ST. CLOUD, MN's 117 lenders originated 3,352 loans during 2023. The total origination value was $693,750,000, with an average loan value of $206,966.

ST. CLOUD's average closing costs are $4,475.

The top ST. CLOUD lender as defined by loan originations is CENTRAL MINNESOTA Credit Union, with 158 loans originated. Their average total fees are $3,346, which is $2,771 lower than the next largest lender, Bremer Bank.

The lowest fee ST. CLOUD lenders (with over 10 loans originated) are Liberty Bank Minnesota ($2,811), CENTRAL MINNESOTA Credit Union ($3,346), EVERETT FINANCIAL, INC. ($4,077), Gate City Bank ($4,287) and The Huntington National Bank ($4,299).

The lowest rate ST. CLOUD lenders (with over 10 loans originated) are Gate City Bank (6.11%), ST. CLOUD FINANCIAL (6.37%), Frandsen Bank & Trust (6.48%), Servion, Inc. (6.56%) and GUARANTEED RATE AFFINITY, LLC (6.58%).

ST. CLOUD, MN Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
CENTRAL MINNESOTA Credit Union $72,085,000 $51,480,000 -28.6% 7.4%
Liberty Bank Minnesota $57,325,000 $36,570,000 -36.2% 5.3%
Bremer Bank $43,505,000 $36,305,000 -16.5% 5.2%
HOMEOWNERS FINANCIAL GROUP USA, LLC $36,925,000 $33,165,000 -10.2% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $34,330,000 $31,945,000 -6.9% 4.6%
Falcon National Bank $29,760,000 n/a 4.3%
ST. CLOUD FINANCIAL $29,810,000 $24,105,000 -19.1% 3.5%
American Heritage National Bank $38,380,000 $19,370,000 -49.5% 2.8%
Deerwood Bank $9,185,000 $18,035,000 96.4% 2.6%
QUICKEN LOANS, LLC $37,780,000 $16,930,000 -55.2% 2.4%
U.S. Bank $28,505,000 $15,225,000 -46.6% 2.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $10,080,000 $15,205,000 50.8% 2.2%
Bell Bank $17,670,000 $13,560,000 -23.3% 2.0%
BROKER SOLUTIONS, INC. $14,520,000 $12,490,000 -14.0% 1.8%
PLAZA HOME MORTGAGE, INC. $12,885,000 $12,330,000 -4.3% 1.8%
PENNYMAC LOAN SERVICES, LLC $13,570,000 $11,975,000 -11.8% 1.7%
CROSSCOUNTRY MORTGAGE, LLC $15,750,000 $11,610,000 -26.3% 1.7%
Mortgage Research Center, LLC $13,570,000 $11,145,000 -17.9% 1.6%
EVERETT FINANCIAL, INC. $21,010,000 $10,135,000 -51.8% 1.5%
Old National Bank $1,705,000 $9,825,000 476.2% 1.4%
TRUSTONE FINANCIAL FEDERAL CREDIT UNION $12,525,000 $9,720,000 -22.4% 1.4%
BankVista $11,175,000 $9,305,000 -16.7% 1.3%
Sentry Bank $13,005,000 $9,135,000 -29.8% 1.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $20,460,000 $7,930,000 -61.2% 1.1%
Servion, Inc. $17,930,000 $7,885,000 -56.0% 1.1%
Wells Fargo Bank $21,075,000 $6,900,000 -67.3% 1.0%
Minnesota National Bank $4,265,000 $6,620,000 55.2% 1.0%
GUARANTEED RATE AFFINITY, LLC $9,590,000 $6,580,000 -31.4% 0.9%
AFFINITY PLUS $6,605,000 $6,430,000 -2.6% 0.9%
Minnwest Bank $1,020,000 $6,160,000 503.9% 0.9%
Prosperity Home Mortgage, LLC $6,830,000 $5,805,000 -15.0% 0.8%
NEWREZ LLC $9,125,000 $5,645,000 -38.1% 0.8%
Gate City Bank $7,885,000 $5,420,000 -31.3% 0.8%
Frandsen Bank & Trust $4,050,000 $5,170,000 27.7% 0.7%
LOANDEPOT.COM, LLC $14,085,000 $4,910,000 -65.1% 0.7%
Sherburne State Bank $6,795,000 $4,855,000 -28.6% 0.7%
Sunrise Banks $4,755,000 n/a 0.7%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,170,000 $4,665,000 47.2% 0.7%
The Huntington National Bank $2,565,000 $4,435,000 72.9% 0.6%
American National Bank of Minnesota $3,590,000 $4,105,000 14.3% 0.6%
American Mortgage & Equity Consultants, Inc. $3,115,000 $4,030,000 29.4% 0.6%
West Bank $4,660,000 $3,460,000 -25.8% 0.5%
Freeport State Bank $3,455,000 n/a 0.5%
BAY EQUITY LLC $6,950,000 $3,410,000 -50.9% 0.5%
CMG MORTGAGE, INC. $4,900,000 $3,315,000 -32.3% 0.5%
COMPEER FINANCIAL, FLCA $8,165,000 $3,305,000 -59.5% 0.5%
Neighborhood Loans, Inc. $345,000 $3,145,000 811.6% 0.5%
FREEDOM MORTGAGE CORPORATION $10,390,000 $3,130,000 -69.9% 0.5%
Royal Credit Union $2,375,000 $2,975,000 25.3% 0.4%
SPIRE Credit Union $3,490,000 $2,970,000 -14.9% 0.4%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $970,000 $2,960,000 205.2% 0.4%
Kensington Bank $2,935,000 n/a 0.4%
Flagstar Bank, FSB $6,320,000 $2,795,000 -55.8% 0.4%
MOVEMENT MORTGAGE, LLC $3,895,000 $2,570,000 -34.0% 0.4%
GUARANTEED RATE, INC. $5,275,000 $2,415,000 -54.2% 0.3%
Harvest Bank $2,315,000 n/a 0.3%
GREAT RIVER FEDERAL CREDIT UNION $3,405,000 $2,225,000 -34.7% 0.3%
UNION HOME MORTGAGE CORP. $2,120,000 $2,190,000 3.3% 0.3%
NBKC BANK $1,415,000 $2,130,000 50.5% 0.3%
WINGS FINANCIAL $2,875,000 $2,035,000 -29.2% 0.3%
Citizens Bank $3,780,000 $1,985,000 -47.5% 0.3%
CARDINAL FINANCIAL $5,745,000 $1,920,000 -66.6% 0.3%
BMO Harris Bank $1,505,000 $1,880,000 24.9% 0.3%
Alerus Financial $2,125,000 $1,855,000 -12.7% 0.3%
Summit Mortgage Corporation $2,245,000 $1,805,000 -19.6% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $5,975,000 $1,770,000 -70.4% 0.3%
NAVY FEDERAL CREDIT UNION $3,505,000 $1,730,000 -50.6% 0.2%
Heritage Bank $2,350,000 $1,680,000 -28.5% 0.2%
CORTRUST MORTGAGE, INC. $1,930,000 $1,655,000 -14.2% 0.2%
RIVERLAND BANK $1,605,000 n/a 0.2%
21ST MORTGAGE CORPORATION $1,140,000 $1,580,000 38.6% 0.2%
Barings Multifamily Capital $1,485,000 n/a 0.2%
Bonanza Valley State Bank $1,465,000 n/a 0.2%
Century Mortgage Company DBA Century Lending Company $265,000 $1,415,000 434.0% 0.2%
GUIDANCE RESIDENTIAL, LLC $1,140,000 $1,355,000 18.9% 0.2%
Paramount Residential Mortgage Group, Inc. $1,670,000 $1,335,000 -20.1% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $1,050,000 $1,280,000 21.9% 0.2%
Truist $2,035,000 $1,255,000 -38.3% 0.2%
The Bank of Elk River $475,000 $1,235,000 160.0% 0.2%
AMERISAVE MORTGAGE CORPORATION $2,730,000 $1,230,000 -54.9% 0.2%
First Bank & Trust $855,000 $1,230,000 43.9% 0.2%
Bank of England $1,445,000 $1,120,000 -22.5% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,395,000 $1,105,000 -20.8% 0.2%
USAA Federal Savings Bank $4,695,000 $1,080,000 -77.0% 0.2%
CorTrust Bank $225,000 $1,040,000 362.2% 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $200,000 $1,005,000 402.5% 0.1%
TOPLINE FEDERAL CREDIT UNION $495,000 $995,000 101.0% 0.1%
National Bank of Commerce $985,000 n/a 0.1%
CALIBER HOME LOANS, INC. $4,370,000 $975,000 -77.7% 0.1%
Ixonia Bank $365,000 $940,000 157.5% 0.1%
Northpointe Bank $570,000 $910,000 59.6% 0.1%
Sierra Pacific Mortgage Company, Inc. $405,000 $900,000 122.2% 0.1%
IOWA BANKERS MORTGAGE CORPORATION $1,895,000 $880,000 -53.6% 0.1%
Tradition Mortgage, LLC $3,090,000 $880,000 -71.5% 0.1%
NEW DAY FINANCIAL, LLC $1,450,000 $865,000 -40.3% 0.1%
SWBC MORTGAGE CORPORATION $855,000 n/a 0.1%
MEGASTAR FINANCIAL CORP. $360,000 $780,000 116.7% 0.1%
Farmers & Merchants State Bank $775,000 n/a 0.1%
Discover Bank $650,000 $745,000 14.6% 0.1%
Merchants Bank $1,820,000 $745,000 -59.1% 0.1%
MILEND, INC. $910,000 $735,000 -19.2% 0.1%
Equity Prime Mortgage LLC $155,000 $715,000 361.3% 0.1%
Goldwater Bank, N.A. $4,150,000 $710,000 -82.9% 0.1%
First Western Bank & Trust $1,120,000 $705,000 -37.1% 0.1%
21st Century Bank $675,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $125,000 $670,000 436.0% 0.1%
Plains Commerce Bank $890,000 $665,000 -25.3% 0.1%
UIF CORPORATION $1,040,000 $665,000 -36.1% 0.1%
First National Bank of Milaca $655,000 n/a 0.1%
Perennial Bank $650,000 n/a 0.1%
Citadel Servicing Corporation $815,000 $640,000 -21.5% 0.1%
Star Bank $630,000 n/a 0.1%
HIWAY $935,000 $620,000 -33.7% 0.1%
The Federal Savings Bank $1,590,000 $620,000 -61.0% 0.1%
Cambria Financial Group, LLC $665,000 $565,000 -15.0% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $195,000 $560,000 187.2% 0.1%
JPMorgan Chase Bank $3,045,000 $560,000 -81.6% 0.1%
Ally Bank $465,000 $540,000 16.1% 0.1%
DATA MORTGAGE, INC. $1,640,000 $520,000 -68.3% 0.1%
NEXERA HOLDING LLC $510,000 n/a 0.1%
Northview Bank $820,000 $500,000 -39.0% 0.1%
Citibank $325,000 $495,000 52.3% 0.1%
Foresight Bank $255,000 $495,000 94.1% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $725,000 $475,000 -34.5% 0.1%
GUILD MORTGAGE COMPANY $175,000 $465,000 165.7% 0.1%
Choice Financial Group $450,000 n/a 0.1%
CRESCENT MORTGAGE COMPANY $1,925,000 $450,000 -76.6% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $440,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $435,000 n/a 0.1%
VILLAGE CAPITAL MORTGAGE $435,000 n/a 0.1%
Armed Forces Bank $425,000 n/a 0.1%
The Security National Bank of Sioux City, Iowa $425,000 n/a 0.1%
Mortgages Unlimited Inc. $1,290,000 $415,000 -67.8% 0.1%
PREMIER MORTGAGE RESOURCES, L.L.C. $285,000 $415,000 45.6% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,930,000 $410,000 -78.8% 0.1%
MinnStar Bank N.A. $405,000 n/a 0.1%
Carrington Mortgage Services, LLC $1,200,000 $400,000 -66.7% 0.1%
Barrington Bank & Trust Company, N.A. $550,000 $390,000 -29.1% 0.1%
Bridgewater Bank $15,915,000 $380,000 -97.6% 0.1%
Citizens Bank Minnesota $310,000 $380,000 22.6% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $370,000 n/a 0.1%
NFM, INC. $355,000 n/a 0.1%
Security Bank & Trust Company $340,000 n/a 0.0%
PLANET HOME LENDING, LLC $265,000 $325,000 22.6% 0.0%
Flagship Banks Minnesota $1,210,000 $315,000 -74.0% 0.0%
Premier Bank $305,000 n/a 0.0%
The Loan Store, Inc. $305,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $580,000 $305,000 -47.4% 0.0%
BETTER MORTGAGE CORPORATION $395,000 $300,000 -24.1% 0.0%
Coastal Community Bank $300,000 n/a 0.0%
Ameris Bank $295,000 n/a 0.0%
First United Bank $295,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $285,000 n/a 0.0%
Midwest Bank $285,000 n/a 0.0%
Heartland Bank and Trust Company $280,000 n/a 0.0%
American Federal Bank $345,000 $275,000 -20.3% 0.0%
DEEPHAVEN MORTGAGE LLC $275,000 n/a 0.0%
Lake Central Bank $265,000 n/a 0.0%
MORTGAGE ACCESS CORP. $265,000 n/a 0.0%
Ohnward Bank & Trust $265,000 n/a 0.0%
Citizens Community Federal $385,000 $255,000 -33.8% 0.0%
SENB Bank $255,000 n/a 0.0%
FIRST TECHNOLOGY $245,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $245,000 n/a 0.0%
MEMBERS COOPERATIVE $235,000 $240,000 2.1% 0.0%
CITYWIDE HOME LOANS, LLC $225,000 n/a 0.0%
ENVOY MORTGAGE, LTD $765,000 $225,000 -70.6% 0.0%
Figure Lending LLC $330,000 $225,000 -31.8% 0.0%
Flanagan State Bank $225,000 n/a 0.0%
Park State Bank $225,000 n/a 0.0%
Platinum Bank $225,000 n/a 0.0%
OCMBC, INC. $220,000 n/a 0.0%
NP, Inc. $215,000 n/a 0.0%
UBS Bank USA $1,510,000 $215,000 -85.8% 0.0%
SOUTHPOINT FINANCIAL $540,000 $210,000 -61.1% 0.0%
CITY-COUNTY CREDIT UNION $505,000 $205,000 -59.4% 0.0%
First Federal Bank $205,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $430,000 $205,000 -52.3% 0.0%
QUORUM FEDERAL CREDIT UNION $205,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $755,000 $195,000 -74.2% 0.0%
ALTRA $185,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $495,000 $185,000 -62.6% 0.0%
FINANCE OF AMERICA REVERSE LLC $220,000 $185,000 -15.9% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $185,000 n/a 0.0%
Centier Bank $175,000 n/a 0.0%
Deere Employees Credit Union $220,000 $175,000 -20.5% 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $175,000 n/a 0.0%
Highland Bank $170,000 n/a 0.0%
Commerce Home Mortgage, Inc. $165,000 n/a 0.0%
First National Bank of Elk River $165,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $995,000 $165,000 -83.4% 0.0%
BUILDING TRADES FEDERAL CREDIT UNION $160,000 n/a 0.0%
Capital Bank $155,000 n/a 0.0%
Lakeview Bank $155,000 n/a 0.0%
Nations Lending Corporation $440,000 $150,000 -65.9% 0.0%
RiverWood Bank $2,660,000 $150,000 -94.4% 0.0%
AgCountry Farm Credit Services, FLCA $150,000 $145,000 -3.3% 0.0%
FNB Moose Lake $135,000 $145,000 7.4% 0.0%
Oregon Community Bank $145,000 n/a 0.0%
MANN FINANCIAL INC. $870,000 $135,000 -84.5% 0.0%
MidWestOne Bank $125,000 n/a 0.0%
SPRING EQ, LLC $245,000 $115,000 -53.1% 0.0%
Green Belt Bank & Trust $105,000 n/a 0.0%
HomeTown Bank $910,000 $95,000 -89.6% 0.0%
STAR USA FEDERAL CREDIT UNION $85,000 n/a 0.0%
Anoka Hennepin Credit Union $25,000 $75,000 200.0% 0.0%
Associated Bank $730,000 $75,000 -89.7% 0.0%
Baxter Credit Union $75,000 n/a 0.0%
IDEAL $55,000 $75,000 36.4% 0.0%
ALLIANT CREDIT UNION $65,000 n/a 0.0%
HomeTrust Bank $65,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $65,000 n/a 0.0%
SMW Financial Credit Union $65,000 n/a 0.0%
Coulee Bank $55,000 n/a 0.0%
NOVATION CREDIT UNION $55,000 n/a 0.0%
Think Mutual Bank $1,360,000 $55,000 -96.0% 0.0%
Signature Federal Credit Union $85,000 $45,000 -47.1% 0.0%
MINNCO CREDIT UNION $15,000 n/a 0.0%

ST. CLOUD's top lender by overall market share is CENTRAL MINNESOTA Credit Union, with 7.4% market share. In second place, with 5.3%, is Liberty Bank Minnesota, having originated $36,570,000 in loans. In third place, with 5.2%, is Bremer Bank, having originated $36,305,000 in loans. In fourth place, with 4.8%, is HOMEOWNERS FINANCIAL GROUP USA, LLC, having originated $33,165,000 in loans. In fifth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $31,945,000 in loans.


ST. CLOUD Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - ST. CLOUD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $212,975 (8.0%) $249,381 (4.2%) 0.79 510
2018-02-01 $217,675 (0.1%) $259,815 (3.1%) 0.79 527
2018-03-01 $224,900 (0.0%) $270,566 (2.0%) 0.79 541
2018-04-01 $249,950 (12.3%) $286,099 (8.2%) 0.85 545
2018-05-01 $249,950 (13.7%) $291,671 (11.4%) 0.83 611
2018-06-01 $254,900 (18.3%) $293,414 (12.8%) 0.85 619
2018-07-01 $248,350 (18.3%) $291,583 (13.7%) 0.83 651
2018-08-01 $247,200 (17.7%) $289,484 (13.4%) 0.83 642
2018-09-01 $240,000 (14.3%) $284,748 (11.4%) 0.81 653
2018-10-01 $247,175 (17.8%) $284,223 (11.2%) 0.84 655
2018-11-01 $229,950 (10.0%) $273,979 (8.4%) 0.78 620
2018-12-01 $229,948 (9.5%) $275,031 (8.9%) 0.79 534
2019-01-01 $232,400 (9.1%) $276,566 (10.9%) 0.80 469
2019-02-01 $236,950 (8.9%) $278,034 (7.0%) 0.80 463
2019-03-01 $244,186 (8.6%) $286,589 (5.9%) 0.80 515
2019-04-01 $249,186 (-0.3%) $290,251 (1.5%) 0.79 597
2019-05-01 $249,900 (0.0%) $285,905 (-2.0%) 0.78 679
2019-06-01 $249,900 (-2.0%) $286,802 (-2.3%) 0.78 715
2019-07-01 $245,875 (-1.0%) $284,921 (-2.3%) 0.77 739
2019-08-01 $235,318 (-4.8%) $276,272 (-4.6%) 0.75 760
2019-09-01 $232,270 (-3.2%) $270,958 (-4.8%) 0.74 739
2019-10-01 $229,950 (-7.0%) $267,267 (-6.0%) 0.74 724
2019-11-01 $229,900 (0.0%) $267,039 (-2.5%) 0.75 670
2019-12-01 $232,000 (0.9%) $268,986 (-2.2%) 0.77 547
2020-01-01 $229,925 (-1.1%) $266,935 (-3.5%) 0.77 488
2020-02-01 $250,000 (5.5%) $287,535 (3.4%) 0.82 495
2020-03-01 $269,900 (10.5%) $300,822 (5.0%) 0.85 500
2020-04-01 $267,950 (7.5%) $303,831 (4.7%) 0.84 529
2020-05-01 $269,900 (8.0%) $304,052 (6.4%) 0.82 564
2020-06-01 $271,425 (8.6%) $310,306 (8.2%) 0.80 539
2020-07-01 $269,325 (9.5%) $310,786 (9.1%) 0.78 498
2020-08-01 $258,950 (10.0%) $307,415 (11.3%) 0.74 471
2020-09-01 $266,175 (14.6%) $316,149 (16.7%) 0.76 462
2020-10-01 $259,400 (12.8%) $312,681 (17.0%) 0.74 447
2020-11-01 $252,450 (9.8%) $307,738 (15.2%) 0.74 350
2020-12-01 $250,725 (8.1%) $311,778 (15.9%) 0.75 293
2021-01-01 $249,950 (8.7%) $317,645 (19.0%) 0.75 239
2021-02-01 $272,450 (9.0%) $350,784 (22.0%) 0.79 221
2021-03-01 $297,396 (10.2%) $367,540 (22.2%) 0.84 215
2021-04-01 $297,450 (11.0%) $355,863 (17.1%) 0.81 217
2021-05-01 $299,900 (11.1%) $368,103 (21.1%) 0.80 219
2021-06-01 $284,925 (5.0%) $347,958 (12.1%) 0.75 294
2021-07-01 $293,450 (9.0%) $351,267 (13.0%) 0.77 332
2021-08-01 $289,950 (12.0%) $344,650 (12.1%) 0.77 355
2021-09-01 $295,950 (11.2%) $342,646 (8.4%) 0.79 360
2021-10-01 $284,950 (9.9%) $332,022 (6.2%) 0.76 363
2021-11-01 $293,450 (16.2%) $334,994 (8.9%) 0.78 295
2021-12-01 $299,900 (19.6%) $347,124 (11.3%) 0.81 242
2022-01-01 $315,000 (26.0%) $360,734 (13.6%) 0.85 179
2022-02-01 $322,900 (18.5%) $380,050 (8.3%) 0.84 153
2022-03-01 $329,950 (11.0%) $399,942 (8.8%) 0.83 154
2022-04-01 $349,900 (17.6%) $407,909 (14.6%) 0.83 189
2022-05-01 $339,650 (13.3%) $406,284 (10.4%) 0.78 240
2022-06-01 $328,450 (15.3%) $386,778 (11.2%) 0.73 302
2022-07-01 $325,000 (10.8%) $381,650 (8.7%) 0.73 311
2022-08-01 $335,900 (15.9%) $388,510 (12.7%) 0.78 308
2022-09-01 $329,925 (11.5%) $380,471 (11.0%) 0.77 320
2022-10-01 $335,000 (17.6%) $389,410 (17.3%) 0.79 312
2022-11-01 $325,000 (10.8%) $379,659 (13.3%) 0.78 286
2022-12-01 $325,000 (8.4%) $384,662 (10.8%) 0.80 242
2023-01-01 $336,150 (6.7%) $386,875 (7.3%) 0.83 208
2023-02-01 $354,925 (9.9%) $392,884 (3.4%) 0.86 198
2023-03-01 $357,650 (8.4%) $405,380 (1.4%) 0.84 202
2023-04-01 $374,900 (7.1%) $417,215 (2.3%) 0.87 210
2023-05-01 $368,650 (8.5%) $431,155 (6.1%) 0.84 244
2023-06-01 $354,975 (8.1%) $413,083 (6.8%) 0.80 276
2023-07-01 $357,450 (10.0%) $410,184 (7.5%) 0.81 295
2023-08-01 $354,900 (5.7%) $405,962 (4.5%) 0.81 302
2023-09-01 $349,000 (5.8%) $404,167 (6.2%) 0.81 323
2023-10-01 $329,125 (-1.8%) $387,745 (-0.4%) 0.77 348
2023-11-01 $316,675 (-2.6%) $378,485 (-0.3%) 0.75 340
2023-12-01 $319,900 (-1.6%) $377,852 (-1.8%) 0.78 301
2024-01-01 $323,750 (-3.7%) $379,122 (-2.0%) 0.79 246
2024-02-01 $334,925 (-5.6%) $388,519 (-1.1%) 0.81 235
2024-03-01 $350,000 (-2.1%) $418,496 (3.2%) 0.82 266
2024-04-01 $373,675 (-0.3%) $429,448 (2.9%) 0.87 291
2024-05-01 $384,925 (4.4%) $441,484 (2.4%) 0.87 315
2024-06-01 $379,900 (7.0%) $443,612 (7.4%) 0.85 338
2024-07-01 $361,500 (1.1%) $427,078 (4.1%) 0.83 346
2024-08-01 $359,000 (1.2%) $416,384 (2.6%) 0.83 380
2024-09-01 $339,900 (-2.6%) $409,565 (1.3%) 0.00 415
ST. CLOUD's median listing price for 2024-09-01 was $339,900, a difference of $-9,100 (-2.6%) versus the prior year and $-19,100 versus the prior month.

ST. CLOUD's median listing price comes in at 0% of the national average.

ST. CLOUD's average listing price for 2024-09-01 was $409,565, a difference of $5,398 (1.3%) versus the prior year and $-6,819 versus the prior month.

For the 2024-09-01 period, ST. CLOUD had 415 MLS listings, a difference of 35 listings (9%) versus the prior month and 92 listings (28%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ST. CLOUD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 88 days 1,815 sqft
2018-02-01 65 days 1,871 sqft
2018-03-01 54 days 1,900 sqft
2018-04-01 52 days 1,999 sqft
2018-05-01 46 days 2,016 sqft
2018-06-01 45 days 2,041 sqft
2018-07-01 51 days 2,047 sqft
2018-08-01 57 days 2,045 sqft
2018-09-01 57 days 2,044 sqft
2018-10-01 55 days 2,003 sqft
2018-11-01 61 days 1,947 sqft
2018-12-01 80 days 1,851 sqft
2019-01-01 87 days 1,850 sqft
2019-02-01 78 days 1,841 sqft
2019-03-01 59 days 1,902 sqft
2019-04-01 39 days 2,003 sqft
2019-05-01 38 days 1,968 sqft
2019-06-01 42 days 1,974 sqft
2019-07-01 47 days 1,983 sqft
2019-08-01 54 days 1,975 sqft
2019-09-01 64 days 1,951 sqft
2019-10-01 70 days 1,926 sqft
2019-11-01 77 days 1,931 sqft
2019-12-01 89 days 1,959 sqft
2020-01-01 86 days 1,968 sqft
2020-02-01 75 days 2,043 sqft
2020-03-01 51 days 2,105 sqft
2020-04-01 46 days 2,101 sqft
2020-05-01 47 days 2,071 sqft
2020-06-01 46 days 2,063 sqft
2020-07-01 48 days 2,055 sqft
2020-08-01 47 days 2,128 sqft
2020-09-01 45 days 2,109 sqft
2020-10-01 47 days 2,025 sqft
2020-11-01 55 days 1,929 sqft
2020-12-01 66 days 1,900 sqft
2021-01-01 69 days 1,848 sqft
2021-02-01 47 days 1,905 sqft
2021-03-01 39 days 1,923 sqft
2021-04-01 32 days 1,920 sqft
2021-05-01 35 days 1,957 sqft
2021-06-01 30 days 1,916 sqft
2021-07-01 34 days 1,952 sqft
2021-08-01 35 days 1,945 sqft
2021-09-01 39 days 1,934 sqft
2021-10-01 43 days 1,909 sqft
2021-11-01 50 days 1,931 sqft
2021-12-01 60 days 1,946 sqft
2022-01-01 77 days 1,911 sqft
2022-02-01 58 days 2,212 sqft
2022-03-01 33 days 2,217 sqft
2022-04-01 23 days 2,256 sqft
2022-05-01 21 days 2,103 sqft
2022-06-01 29 days 2,053 sqft
2022-07-01 39 days 2,100 sqft
2022-08-01 39 days 2,124 sqft
2022-09-01 46 days 2,065 sqft
2022-10-01 46 days 2,060 sqft
2022-11-01 57 days 1,978 sqft
2022-12-01 71 days 1,945 sqft
2023-01-01 78 days 1,873 sqft
2023-02-01 73 days 2,002 sqft
2023-03-01 44 days 2,131 sqft
2023-04-01 44 days 2,061 sqft
2023-05-01 34 days 2,010 sqft
2023-06-01 30 days 2,036 sqft
2023-07-01 37 days 2,028 sqft
2023-08-01 46 days 2,052 sqft
2023-09-01 46 days 2,079 sqft
2023-10-01 45 days 2,007 sqft
2023-11-01 53 days 1,953 sqft
2023-12-01 66 days 1,868 sqft
2024-01-01 62 days 1,936 sqft
2024-02-01 59 days 2,013 sqft
2024-03-01 36 days 2,019 sqft
2024-04-01 38 days 2,135 sqft
2024-05-01 30 days 2,114 sqft
2024-06-01 32 days 2,121 sqft
2024-07-01 44 days 2,123 sqft
2024-08-01 40 days 2,032 sqft
2024-09-01 0 days 2,043 sqft
ST. CLOUD's median listing age (time on market) for 2024-09-01 was 0 days. This is -100% shorter than the same period one year ago.

ST. CLOUD's median square footage for active listings during the 2024-09-01 period was 2,043 sqft. One year prior, the average listing was 2,079 sqft.

ST. CLOUD, MN Average Rent (2023)

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

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
55320 St. Cloud, MN MSA $840 $980 $1,200 $1,660 $1,940
55329 St. Cloud, MN MSA $650 $670 $840 $1,130 $1,340
55353 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
55371 St. Cloud, MN MSA $840 $980 $1,200 $1,660 $1,950
55382 St. Cloud, MN MSA $890 $980 $1,200 $1,660 $1,940
55389 St. Cloud, MN MSA $660 $680 $850 $1,140 $1,360
56301 St. Cloud, MN MSA $790 $820 $1,020 $1,370 $1,630
56302 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56303 St. Cloud, MN MSA $720 $750 $930 $1,250 $1,490
56304 St. Cloud, MN MSA $840 $980 $1,200 $1,660 $1,940
56307 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56310 St. Cloud, MN MSA $650 $670 $840 $1,130 $1,340
56312 St. Cloud, MN MSA $680 $710 $880 $1,180 $1,410
56314 St. Cloud, MN MSA $740 $760 $950 $1,280 $1,520
56316 St. Cloud, MN MSA $660 $680 $850 $1,140 $1,360
56320 St. Cloud, MN MSA $840 $870 $1,080 $1,450 $1,720
56321 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56325 St. Cloud, MN MSA $800 $830 $1,030 $1,390 $1,650
56329 St. Cloud, MN MSA $840 $980 $1,200 $1,660 $1,940
56330 St. Cloud, MN MSA $670 $740 $970 $1,370 $1,650
56331 St. Cloud, MN MSA $810 $840 $1,050 $1,410 $1,680
56333 St. Cloud, MN MSA $700 $720 $900 $1,210 $1,440
56335 St. Cloud, MN MSA $740 $770 $960 $1,290 $1,530
56336 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56340 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56352 St. Cloud, MN MSA $740 $770 $960 $1,290 $1,530
56356 St. Cloud, MN MSA $760 $790 $990 $1,330 $1,580
56357 St. Cloud, MN MSA $690 $740 $940 $1,300 $1,550
56360 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56362 St. Cloud, MN MSA $690 $720 $890 $1,200 $1,420
56367 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56368 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56369 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56371 St. Cloud, MN MSA $670 $700 $870 $1,170 $1,390
56373 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56374 St. Cloud, MN MSA $720 $750 $930 $1,250 $1,490
56375 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56376 St. Cloud, MN MSA $640 $660 $830 $1,110 $1,320
56377 St. Cloud, MN MSA $880 $910 $1,130 $1,520 $1,800
56378 St. Cloud, MN MSA $670 $690 $860 $1,160 $1,370
56379 St. Cloud, MN MSA $840 $980 $1,200 $1,660 $1,940
56385 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56387 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56388 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56395 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600
56398 St. Cloud, MN MSA $780 $800 $1,000 $1,350 $1,600

2022 Average & Median Rent Data Statistics
ST. CLOUD, MN average 1BR rent: $771, median: $755
ST. CLOUD, MN average 2BR rent: $961, median: $955
ST. CLOUD, MN average 3BR rent: $1,300, median: $1,290

ST. CLOUD, MN Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,175 $527,785,000 $242,660
Cash Out Refi 449 $58,155,000 $129,521
Refi 260 $60,940,000 $234,385
Other 249 $21,175,000 $85,040
Home Improvement 219 $25,695,000 $117,329

St. Cloud's most frequently cited loan purpose was Home Purchase, with 2,175 originations. The 2nd most popular reason was Cash Out Refi, with 449 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,238 $275,180,000 $222,278
7-8% 745 $157,905,000 $211,953
Over 8% 421 $40,115,000 $95,285
5-6% 412 $96,820,000 $235,000
<2.5% 102 $1,560,000 $15,294
4-5% 20 $4,740,000 $237,000
3-4% 11 $885,000 $80,455
2.5-3% 5 $835,000 $167,000

During 2023, St. Cloud's most frequently originated rate bucket was 6-7%, with 1,238 originations.

Loan Sizing (ST. CLOUD, MN MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,239 $336,115,000 $271,279
$100,000 or less 1,008 $45,110,000 $44,752
$100k-200k 884 $134,970,000 $152,681
$400k-600k 149 $70,935,000 $476,074
$600k-1000k 53 $38,265,000 $721,981
$Over $1MM 19 $68,355,000 $3,597,632

ST. CLOUD's loan sizing saw the bucket of loans from $200k-400k with 1,239 originations, totaling $336,115,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,285 $337,665,000 $262,774
Under 20% 621 $23,035,000 $37,093
60-80% 480 $132,100,000 $275,208
20-40% 319 $32,955,000 $103,307
40-60% 210 $41,760,000 $198,857
Over 100% 30 $8,170,000 $272,333

ST. CLOUD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,285 originations, totaling $337,665,000 in origination value.