ST. CLOUD FINANCIAL
ST. CLOUD FINANCIAL received 383 applications in 2025 and made 318 mortgages, in 29 counties across 5 states. The median rate its borrowers got was 6.100% on a median loan of $95,000. Of 353 decisions, 35 were denials — 9.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ANTUZH5AQQXR02 |
|---|---|
| Applications received | 383 |
| Mortgages made | 318 |
| Denied | 35 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1845 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 89 | 6.375% | $255,000 | 3.3% |
| Refinancing | 15 | 6.375% | $325,000 | 11.8% |
| Cash-out refinancing | 210 | 6.000% | $65,000 | 12.5% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where ST. CLOUD FINANCIAL lends most
The 29 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stearns County, MN | 149 | 6.000% | 11.3% |
| Benton County, MN | 53 | 6.125% | 13.1% |
| Sherburne County, MN | 30 | 6.113% | 11.8% |
| Wright County, MN | 24 | 6.000% | 4.0% |
| Meeker County, MN | 8 | Under 10 loans | 0.0% |
| Morrison County, MN | 8 | Under 10 loans | 11.1% |
| Mille Lacs County, MN | 5 | Under 10 loans | 16.7% |
| Cass County, MN | 4 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 4 | Under 10 loans | 0.0% |
| Hennepin County, MN | 4 | Under 10 loans | 0.0% |
| Anoka County, MN | 3 | Under 10 loans | 0.0% |
| Douglas County, MN | 3 | Under 10 loans | 0.0% |
| Kandiyohi County, MN | 3 | Under 10 loans | 0.0% |
| Pope County, MN | 3 | Under 10 loans | 0.0% |
| Sibley County, MN | 3 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Clearwater County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| Renville County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 50.0% |
| Yellow Medicine County, MN | 1 | Under 10 loans | 0.0% |
| Georgetown County, SC | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
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When ST. CLOUD FINANCIAL’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.