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
6.87%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.82% and
one month ago for the week of 2025-04-17, the
average rate was 6.74%.
St. Cloud's average rate one year ago was 7.23%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.97%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| St. Cloud 30 Year Fixed Rate | 2025-05-22 | 6.87% |
| St. Cloud 30 Year Fixed Rate Refi | 2025-05-22 | 6.97% |
| St. Cloud 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| St. Cloud 15 Year Fixed Rate Refi | 2025-05-22 | 6.01% |
| St. Cloud 30 Year FHA | 2025-05-22 | 6.87% |
| St. Cloud 30 Year FHA Refi | 2025-05-22 | 6.41% |
| St. Cloud 30 Year USDA | 2025-05-22 | 6.43% |
| St. Cloud 30 Year USDA Refi | 2025-05-22 | 6.53% |
| St. Cloud 30 Year VA | 2025-05-22 | 6.56% |
| St. Cloud 30 Year VA Refi | 2025-05-22 | 6.62% |
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 117 lenders originated 3,731
loans during 2024. The total origination value was $781,505,000, with an average loan value of
$209,463.
ST. CLOUD's average closing costs are $4,638.
The top ST. CLOUD lender as defined by loan originations is CENTRAL MINNESOTA Credit Union, with
188 loans originated. Their average total fees are
$3,374, which is $613
higher than the next largest lender,
Liberty Bank Minnesota.
The lowest fee ST. CLOUD lenders (with over 10 loans originated) are
Liberty Bank Minnesota ($2,760), CENTRAL MINNESOTA Credit Union ($3,374), Wells Fargo Bank ($4,167), Gate City Bank ($4,305) and Flagstar Bank, FSB ($4,345).
The lowest rate ST. CLOUD lenders (with over 10 loans originated) are
GREAT RIVER FEDERAL CREDIT UNION (5.85%), ST. CLOUD FINANCIAL (6.09%), Servion, Inc. (6.36%), Gate City Bank (6.37%) and PLAZA HOME MORTGAGE, INC. (6.37%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| CENTRAL MINNESOTA Credit Union | $51,480,000 | $85,110,000 | 65.3% | 10.9% |
| Liberty Bank Minnesota | $36,570,000 | $38,860,000 | 6.3% | 5.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $31,945,000 | $34,970,000 | 9.5% | 4.5% |
| ST. CLOUD FINANCIAL | $24,105,000 | $33,360,000 | 38.4% | 4.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $33,165,000 | $31,630,000 | -4.6% | 4.0% |
| QUICKEN LOANS, LLC | $16,930,000 | $29,125,000 | 72.0% | 3.7% |
| PLAZA HOME MORTGAGE, INC. | $12,330,000 | $24,670,000 | 100.1% | 3.2% |
| Bremer Bank | $36,305,000 | $24,215,000 | -33.3% | 3.1% |
| American Heritage National Bank | $19,370,000 | $20,045,000 | 3.5% | 2.6% |
| Deerwood Bank | $18,035,000 | $17,265,000 | -4.3% | 2.2% |
| U.S. Bank | $15,225,000 | $15,735,000 | 3.3% | 2.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $11,610,000 | $14,710,000 | 26.7% | 1.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $15,205,000 | $14,645,000 | -3.7% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $3,130,000 | $14,080,000 | 349.8% | 1.8% |
| BROKER SOLUTIONS, INC. | $12,490,000 | $13,595,000 | 8.8% | 1.7% |
| Bell Bank | $13,560,000 | $12,995,000 | -4.2% | 1.7% |
| Mortgage Research Center, LLC | $11,145,000 | $12,635,000 | 13.4% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $11,975,000 | $12,030,000 | 0.5% | 1.5% |
| Sentry Bank | $9,135,000 | $9,885,000 | 8.2% | 1.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,930,000 | $9,840,000 | 24.1% | 1.3% |
| BankVista | $9,305,000 | $9,105,000 | -2.1% | 1.2% |
| EVERETT FINANCIAL, INC. | $10,135,000 | $9,045,000 | -10.8% | 1.2% |
| Minnesota National Bank | $6,620,000 | $8,550,000 | 29.2% | 1.1% |
| Gate City Bank | $5,420,000 | $8,330,000 | 53.7% | 1.1% |
| WALKER & DUNLOP, LLC | $7,805,000 | n/a | 1.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $9,720,000 | $7,660,000 | -21.2% | 1.0% |
| Minnwest Bank | $6,160,000 | $7,455,000 | 21.0% | 1.0% |
| AFFINITY PLUS | $6,430,000 | $7,060,000 | 9.8% | 0.9% |
| NEWREZ LLC | $5,645,000 | $6,655,000 | 17.9% | 0.9% |
| Royal Credit Union | $2,975,000 | $6,005,000 | 101.8% | 0.8% |
| Granite Community Bank | $5,840,000 | n/a | 0.7% | |
| GUARANTEED RATE AFFINITY, LLC | $6,580,000 | $5,445,000 | -17.2% | 0.7% |
| CMG MORTGAGE, INC. | $3,315,000 | $5,220,000 | 57.5% | 0.7% |
| Servion, Inc. | $7,885,000 | $5,215,000 | -33.9% | 0.7% |
| Sherburne State Bank | $4,855,000 | $5,100,000 | 5.0% | 0.7% |
| Prosperity Home Mortgage, LLC | $5,805,000 | $5,005,000 | -13.8% | 0.6% |
| Wells Fargo Bank | $6,900,000 | $4,855,000 | -29.6% | 0.6% |
| SPIRE Credit Union | $2,970,000 | $4,760,000 | 60.3% | 0.6% |
| GREAT RIVER FEDERAL CREDIT UNION | $2,225,000 | $4,755,000 | 113.7% | 0.6% |
| LOANDEPOT.COM, LLC | $4,910,000 | $4,630,000 | -5.7% | 0.6% |
| Flagstar Bank, FSB | $2,795,000 | $4,510,000 | 61.4% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,665,000 | $4,455,000 | -4.5% | 0.6% |
| UNION HOME MORTGAGE CORP. | $2,190,000 | $4,370,000 | 99.5% | 0.6% |
| Freeport State Bank | $3,455,000 | $4,290,000 | 24.2% | 0.5% |
| GUARANTEED RATE, INC. | $2,415,000 | $4,195,000 | 73.7% | 0.5% |
| The Huntington National Bank | $4,435,000 | $3,920,000 | -11.6% | 0.5% |
| COMPEER FINANCIAL, FLCA | $3,305,000 | $3,910,000 | 18.3% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $1,730,000 | $3,750,000 | 116.8% | 0.5% |
| American Mortgage & Equity Consultants, Inc. | $4,030,000 | $3,730,000 | -7.4% | 0.5% |
| Frandsen Bank & Trust | $5,170,000 | $3,665,000 | -29.1% | 0.5% |
| PREMIER LENDING, INC. | $3,525,000 | n/a | 0.5% | |
| First Resource Bank | $3,410,000 | n/a | 0.4% | |
| Pinnacle Bank | $3,395,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,770,000 | $3,350,000 | 89.3% | 0.4% |
| Lake Central Bank | $265,000 | $3,075,000 | 1,060.4% | 0.4% |
| Sunrise Banks | $4,755,000 | $3,045,000 | -36.0% | 0.4% |
| CARDINAL FINANCIAL | $1,920,000 | $3,030,000 | 57.8% | 0.4% |
| IOWA BANKERS MORTGAGE CORPORATION | $880,000 | $2,955,000 | 235.8% | 0.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $2,960,000 | $2,870,000 | -3.0% | 0.4% |
| CORTRUST MORTGAGE, INC. | $1,655,000 | $2,750,000 | 66.2% | 0.4% |
| Old National Bank | $9,825,000 | $2,540,000 | -74.1% | 0.3% |
| BMO Harris Bank | $1,880,000 | $2,440,000 | 29.8% | 0.3% |
| Bonanza Valley State Bank | $1,465,000 | $2,415,000 | 64.8% | 0.3% |
| First International Bank & Trust | $2,255,000 | n/a | 0.3% | |
| Summit Mortgage Corporation | $1,805,000 | $2,255,000 | 24.9% | 0.3% |
| Falcon National Bank | $29,760,000 | $2,240,000 | -92.5% | 0.3% |
| JPMorgan Chase Bank | $560,000 | $2,190,000 | 291.1% | 0.3% |
| WINGS FINANCIAL | $2,035,000 | $2,170,000 | 6.6% | 0.3% |
| NBKC BANK | $2,130,000 | $1,905,000 | -10.6% | 0.2% |
| Baxter Credit Union | $75,000 | $1,850,000 | 2,366.7% | 0.2% |
| USAA Federal Savings Bank | $1,080,000 | $1,845,000 | 70.8% | 0.2% |
| RiverWood Bank | $150,000 | $1,830,000 | 1,120.0% | 0.2% |
| Plains Commerce Bank | $665,000 | $1,760,000 | 164.7% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $2,570,000 | $1,745,000 | -32.1% | 0.2% |
| Merchants Bank | $745,000 | $1,640,000 | 120.1% | 0.2% |
| Harvest Bank | $2,315,000 | $1,625,000 | -29.8% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,280,000 | $1,595,000 | 24.6% | 0.2% |
| UIF CORPORATION | $665,000 | $1,580,000 | 137.6% | 0.2% |
| American National Bank of Minnesota | $4,105,000 | $1,560,000 | -62.0% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $1,005,000 | $1,535,000 | 52.7% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,105,000 | $1,500,000 | 35.7% | 0.2% |
| Tradition Mortgage, LLC | $880,000 | $1,460,000 | 65.9% | 0.2% |
| 21ST MORTGAGE CORPORATION | $1,580,000 | $1,450,000 | -8.2% | 0.2% |
| BAY EQUITY LLC | $3,410,000 | $1,425,000 | -58.2% | 0.2% |
| Home Mortgage Alliance Corp | $1,405,000 | n/a | 0.2% | |
| First State Bank of Sauk Centre | $1,400,000 | n/a | 0.2% | |
| Kensington Bank | $2,935,000 | $1,395,000 | -52.5% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,320,000 | n/a | 0.2% | |
| Cambria Financial Group, LLC | $565,000 | $1,310,000 | 131.9% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,300,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $1,335,000 | $1,255,000 | -6.0% | 0.2% |
| Alerus Financial | $1,855,000 | $1,210,000 | -34.8% | 0.2% |
| Heritage Bank | $1,680,000 | $1,170,000 | -30.4% | 0.1% |
| Nations Lending Corporation | $150,000 | $1,165,000 | 676.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $305,000 | $1,150,000 | 277.0% | 0.1% |
| First National Bank of Milaca | $655,000 | $1,120,000 | 71.0% | 0.1% |
| Carrington Mortgage Services, LLC | $400,000 | $1,095,000 | 173.8% | 0.1% |
| Discover Bank | $745,000 | $1,090,000 | 46.3% | 0.1% |
| Figure Lending LLC | $225,000 | $1,025,000 | 355.6% | 0.1% |
| Farmers & Merchants State Bank | $775,000 | $1,020,000 | 31.6% | 0.1% |
| First Western Bank & Trust | $705,000 | $1,005,000 | 42.6% | 0.1% |
| HomeTown Bank | $95,000 | $995,000 | 947.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $440,000 | $970,000 | 120.5% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $1,355,000 | $970,000 | -28.4% | 0.1% |
| Coulee Bank | $55,000 | $940,000 | 1,609.1% | 0.1% |
| NEW DAY FINANCIAL, LLC | $865,000 | $910,000 | 5.2% | 0.1% |
| PLANET HOME LENDING, LLC | $325,000 | $845,000 | 160.0% | 0.1% |
| GUILD MORTGAGE COMPANY | $465,000 | $840,000 | 80.6% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $560,000 | $805,000 | 43.8% | 0.1% |
| BETTER MORTGAGE CORPORATION | $300,000 | $780,000 | 160.0% | 0.1% |
| FIRST TECHNOLOGY | $245,000 | $745,000 | 204.1% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $740,000 | n/a | 0.1% | |
| Citizens Bank Minnesota | $380,000 | $730,000 | 92.1% | 0.1% |
| Equity Prime Mortgage LLC | $715,000 | $710,000 | -0.7% | 0.1% |
| Magnolia Bank | $710,000 | n/a | 0.1% | |
| Bank of America | $685,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $680,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $390,000 | $670,000 | 71.8% | 0.1% |
| Truist | $1,255,000 | $635,000 | -49.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $410,000 | $615,000 | 50.0% | 0.1% |
| Waterstone Mortgage Corporation | $615,000 | n/a | 0.1% | |
| Citizens Bank | $1,985,000 | $605,000 | -69.5% | 0.1% |
| MILEND, INC. | $735,000 | $605,000 | -17.7% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $600,000 | n/a | 0.1% | |
| Neighborhood National Bank | $580,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $580,000 | n/a | 0.1% | |
| Think Mutual Bank | $55,000 | $575,000 | 945.5% | 0.1% |
| Lakeview Community Capital, LLC | $560,000 | n/a | 0.1% | |
| West Bank | $3,460,000 | $555,000 | -84.0% | 0.1% |
| GENEVA FINANCIAL, LLC | $550,000 | n/a | 0.1% | |
| Platinum Bank | $225,000 | $540,000 | 140.0% | 0.1% |
| NexBank | $530,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $525,000 | n/a | 0.1% | |
| The Federal Savings Bank | $620,000 | $520,000 | -16.1% | 0.1% |
| Park State Bank | $225,000 | $515,000 | 128.9% | 0.1% |
| MEGASTAR FINANCIAL CORP. | $780,000 | $475,000 | -39.1% | 0.1% |
| National Bank of Commerce | $985,000 | $465,000 | -52.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $465,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $900,000 | $460,000 | -48.9% | 0.1% |
| Hometown Equity Mortgage, LLC | $450,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,230,000 | $440,000 | -64.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $435,000 | $430,000 | -1.1% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $425,000 | n/a | 0.1% | |
| Ally Bank | $540,000 | $420,000 | -22.2% | 0.1% |
| Coastal Community Bank | $300,000 | $375,000 | 25.0% | 0.0% |
| Minnesota Valley Federal Credit Union | $375,000 | n/a | 0.0% | |
| VOYAGE FEDERAL CREDIT UNION | $375,000 | n/a | 0.0% | |
| Ixonia Bank | $940,000 | $370,000 | -60.6% | 0.0% |
| ZILLOW HOME LOANS, LLC | $165,000 | $370,000 | 124.2% | 0.0% |
| UNITED | $345,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $370,000 | $335,000 | -9.5% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $335,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $325,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $640,000 | $315,000 | -50.8% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $315,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $315,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $855,000 | $310,000 | -63.7% | 0.0% |
| North American Banking Company | $305,000 | n/a | 0.0% | |
| DATA MORTGAGE, INC. | $520,000 | $300,000 | -42.3% | 0.0% |
| SOUTHPOINT FINANCIAL | $210,000 | $285,000 | 35.7% | 0.0% |
| First National Bank of Elk River | $165,000 | $280,000 | 69.7% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $415,000 | $280,000 | -32.5% | 0.0% |
| Cornerstone First Mortgage, Inc | $275,000 | n/a | 0.0% | |
| Highland Bank | $170,000 | $260,000 | 52.9% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $185,000 | $255,000 | 37.8% | 0.0% |
| CorTrust Bank | $1,040,000 | $255,000 | -75.5% | 0.0% |
| First Dakota National Bank | $255,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $250,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $165,000 | $235,000 | 42.4% | 0.0% |
| General Mortgage Capital Corporation | $235,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $235,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $1,415,000 | $225,000 | -84.1% | 0.0% |
| Drake Bank | $225,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $225,000 | n/a | 0.0% | |
| Associated Bank | $75,000 | $215,000 | 186.7% | 0.0% |
| CANOPY MORTGAGE, LLC | $215,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $215,000 | n/a | 0.0% | |
| Farm Credit Mid-America, ACA | $205,000 | n/a | 0.0% | |
| BLACK HILLS FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $195,000 | n/a | 0.0% | |
| TOPLINE FEDERAL CREDIT UNION | $995,000 | $195,000 | -80.4% | 0.0% |
| VALLEY MORTGAGE, INC. | $195,000 | n/a | 0.0% | |
| MARINE | $190,000 | n/a | 0.0% | |
| Northwest Bank | $185,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $180,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| American Federal Bank | $275,000 | $165,000 | -40.0% | 0.0% |
| EMM LOANS LLC | $165,000 | n/a | 0.0% | |
| SMW Financial Credit Union | $65,000 | $160,000 | 146.2% | 0.0% |
| Amalgamated Bank | $155,000 | n/a | 0.0% | |
| Farmers & Merchants Savings Bank | $155,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $155,000 | n/a | 0.0% | |
| Integrity Home Mortgage Corp | $155,000 | n/a | 0.0% | |
| MEMBERS COOPERATIVE | $240,000 | $155,000 | -35.4% | 0.0% |
| OCMBC, INC. | $220,000 | $145,000 | -34.1% | 0.0% |
| RF Renovo Management Company, LLC | $145,000 | n/a | 0.0% | |
| The Miners National Bank of Eveleth | $145,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $65,000 | $135,000 | 107.7% | 0.0% |
| BANKWEST, INC. | $130,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $510,000 | $125,000 | -75.5% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $115,000 | n/a | 0.0% | |
| PNC Bank | $110,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $115,000 | $110,000 | -4.3% | 0.0% |
| CITY-COUNTY CREDIT UNION | $205,000 | $105,000 | -48.8% | 0.0% |
| Nicolet National Bank | $105,000 | n/a | 0.0% | |
| BUILDING TRADES FEDERAL CREDIT UNION | $160,000 | $85,000 | -46.9% | 0.0% |
| VERIDIAN CREDIT UNION | $85,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $75,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $205,000 | $75,000 | -63.4% | 0.0% |
| Associated Healthcare Credit Union | $55,000 | n/a | 0.0% | |
| Honor Credit Union | $55,000 | n/a | 0.0% | |
| ASHLAND Credit Union | $45,000 | n/a | 0.0% | |
| Centier Bank | $175,000 | $45,000 | -74.3% | 0.0% |
| GENISYS | $35,000 | n/a | 0.0% | |
| North Shore Federal Credit Union | $35,000 | n/a | 0.0% |
ST. CLOUD's top lender by overall market share is CENTRAL MINNESOTA Credit Union, with 10.9% market share. In second place, with 5.0%, is Liberty Bank Minnesota, having originated $38,860,000 in loans. In third place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $34,970,000 in loans. In fourth place, with 4.3%, is ST. CLOUD FINANCIAL, having originated $33,360,000 in loans. In fifth place, with 4.0%, is HOMEOWNERS FINANCIAL GROUP USA, LLC, having originated $31,630,000 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 | $379,900 (3.1%) | $436,087 (1.1%) | 0.86 | 314 |
| 2024-06-01 | $375,000 (5.6%) | $430,208 (4.2%) | 0.85 | 337 |
| 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%) | 0.80 | 415 |
| 2024-10-01 | $329,900 (0.2%) | $405,872 (4.7%) | 0.78 | 403 |
| 2024-11-01 | $326,000 (2.9%) | $399,927 (5.7%) | 0.78 | 368 |
| 2024-12-01 | $321,350 (0.5%) | $396,843 (5.0%) | 0.80 | 308 |
| 2025-01-01 | $319,925 (-1.2%) | $384,046 (1.3%) | 0.80 | 273 |
| 2025-02-01 | $329,225 (-1.7%) | $393,898 (1.4%) | 0.80 | 260 |
| 2025-03-01 | $359,450 (2.7%) | $411,385 (-1.7%) | 0.85 | 302 |
| 2025-04-01 | $358,350 (-4.1%) | $412,001 (-4.1%) | 0.83 | 337 |
ST. CLOUD's median listing price for 2025-04-01 was $358,350, a difference of
$-15,325
(-4.1%) versus the prior year and
$-1,100 versus the prior month.
ST. CLOUD's median listing price comes in at 83% of the national average.
ST. CLOUD's average listing price for 2025-04-01 was $412,001, a difference of $-17,447 (-4.1%) versus the prior year and $616 versus the prior month.
For the 2025-04-01 period, ST. CLOUD had 337 MLS listings, a difference of 35 listings (12%) versus the prior month and 46 listings (16%) versus the prior year.
ST. CLOUD's median listing price comes in at 83% of the national average.
ST. CLOUD's average listing price for 2025-04-01 was $412,001, a difference of $-17,447 (-4.1%) versus the prior year and $616 versus the prior month.
For the 2025-04-01 period, ST. CLOUD had 337 MLS listings, a difference of 35 listings (12%) versus the prior month and 46 listings (16%) 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 | 1,900 sqft |
| 2019-04-01 | 39 days | 1,999 sqft |
| 2019-05-01 | 38 days | 1,966 sqft |
| 2019-06-01 | 42 days | 1,974 sqft |
| 2019-07-01 | 47 days | 1,981 sqft |
| 2019-08-01 | 54 days | 1,974 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 | 2,105 sqft |
| 2022-06-01 | 29 days | 2,055 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 | 1,870 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 | 32 days | 2,083 sqft |
| 2024-06-01 | 39 days | 2,102 sqft |
| 2024-07-01 | 44 days | 2,123 sqft |
| 2024-08-01 | 40 days | 2,032 sqft |
| 2024-09-01 | 44 days | 2,043 sqft |
| 2024-10-01 | 49 days | 2,002 sqft |
| 2024-11-01 | 58 days | 1,980 sqft |
| 2024-12-01 | 66 days | 1,898 sqft |
| 2025-01-01 | 71 days | 1,867 sqft |
| 2025-02-01 | 61 days | 1,912 sqft |
| 2025-03-01 | 37 days | 2,000 sqft |
| 2025-04-01 | 34 days | 1,995 sqft |
ST. CLOUD's median listing age (time on market) for 2025-04-01 was 34 days.
This
is -12%
shorter
than the same period one year ago.
ST. CLOUD's median square footage for active listings during the 2025-04-01 period was 1,995 sqft. One year prior, the average listing was 2,135 sqft.
ST. CLOUD's median square footage for active listings during the 2025-04-01 period was 1,995 sqft. One year prior, the average listing was 2,135 sqft.
ST. CLOUD, MN Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,343 | $554,225,000 | $236,545 |
| Cash Out Refi | 429 | $66,775,000 | $155,653 |
| Refi | 404 | $92,560,000 | $229,109 |
| Other | 301 | $47,895,000 | $159,120 |
| Home Improvement | 252 | $19,650,000 | $77,976 |
| NA | 2 | $400,000 | $200,000 |
St. Cloud's most frequently cited loan purpose was Home Purchase, with 2,343 originations. The 2nd most popular reason was Cash Out Refi, with 429 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,425 | $340,615,000 | $239,028 |
| 7-8% | 805 | $177,325,000 | $220,280 |
| Over 8% | 511 | $46,145,000 | $90,303 |
| 5-6% | 433 | $108,805,000 | $251,282 |
| <2.5% | 152 | $3,010,000 | $19,803 |
| 4-5% | 19 | $4,775,000 | $251,316 |
| 2.5-3% | 5 | $805,000 | $161,000 |
| 3-4% | 1 | $7,805,000 | $7,805,000 |
During 2024, St. Cloud's most frequently originated rate bucket was 6-7%, with 1,425 originations.
Loan Sizing (ST. CLOUD, MN MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,418 | $388,500,000 | $273,977 |
| $100,000 or less | 1,135 | $51,965,000 | $45,784 |
| $100k-200k | 884 | $136,560,000 | $154,480 |
| $400k-600k | 218 | $103,440,000 | $474,495 |
| $600k-1000k | 58 | $41,720,000 | $719,310 |
| $Over $1MM | 18 | $59,320,000 | $3,295,556 |
ST. CLOUD's loan sizing saw the bucket of loans from $200k-400k with 1,418 originations, totaling $388,500,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,428 | $377,840,000 | $264,594 |
| Under 20% | 741 | $29,865,000 | $40,304 |
| 60-80% | 559 | $180,985,000 | $323,766 |
| 20-40% | 371 | $37,505,000 | $101,092 |
| 40-60% | 194 | $45,610,000 | $235,103 |
| Over 100% | 32 | $10,230,000 | $319,688 |
ST. CLOUD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,428 originations, totaling $377,840,000 in origination value.