Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Stearns County, Minnesota
Every institution that decided a 1–4 unit mortgage application in Stearns County, home to St. Cloud, between 2023 and 2025: 9,391 applications, 7,992 loans actually funded, across 8 kinds of borrowing.
Stearns County at a glance
9,391Applications decided
2023–2025
7,992Loans funded
85% of decisions
37Census tracts
15 ZIP codes
159,358People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Lending by loan type in Stearns County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.1% | 5,426 | $225K | 97% | 238 |
| Home improvement loans | 76.4% | 767 | $55K | 95% | 72 |
| Cash-out refinance | 79.8% | 1,388 | $155K | 95% | 115 |
| Refinance | 87.8% | 1,094 | $125K | 94% | 131 |
| Investment property purchase | 94.5% | 526 | $175K | 96% | 129 |
| Investment cash-out refinance | 84.2% | 57 | $125K | 94% | 33 |
| Investment refinance | 92.0% | 75 | $105K | 100% | 41 |
| Investment home improvement | 65.5% | 58 | $55K | 92% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.