Lender profile · HMDA 2023–2025
St. Cloud Financial mortgage approval rates & lending data
St. Cloud Financial decided 605 mortgage applications and funded 555 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 170 / 175 | 100% | $245K | 170 |
| Cash-out refinance | 88% | 328 / 371 | 100% | $45K | 328 |
St. Cloud Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 92% | $45K | 601 | 551 |
| Florida | 100% | $235K | 3 | 3 |
| Michigan | 100% | $275K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.