# ST. CLOUD FINANCIAL

> **Canonical URL:** https://saferate.com/lenders/st-cloud-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ST. CLOUD FINANCIAL is a credit union, headquartered in St. Cloud, MN, with 157 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ANTUZH5AQQXR02
- **Headquarters:** St. Cloud, MN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.063%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,917
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 157
- **Dollar Volume:** $41 million
- **Applications Received:** 184
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $258,376
- **Average Borrower Income:** $119,376
- **Average Property Value:** $354,427

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 148 | +0.075% | $2,915 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 101 loans, Score: 54/100 (Sound)
- Refinance: 47 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 109 | $31M | -0.061% | Sound ☺️ |
| Refinance | 61/100 | 48 | $9M | +0.349% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MN | 157 | 0.24% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Cloud, MN | MN | 103 | 89/100 |
| Minneapolis | MN-WI | 30 | 55/100 |
| Non |  | 24 | 36/100 |

## Where This Lender Ranks

ST. CLOUD FINANCIAL appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in St. Cloud, MN for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Minnesota for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in St. Cloud, MN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in St. Cloud, MN
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders)
- 🏆 **#8** in St. Cloud, MN for VA Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/va-loans)
- 🏆 **#10** in Minnesota for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#11** in Minnesota Credit Unions
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/credit-unions)
- 🏆 **#20** in St. Cloud, MN for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-cloud-mn/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does ST. CLOUD FINANCIAL offer?

ST. CLOUD FINANCIAL offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ST. CLOUD FINANCIAL offer mortgages?

ST. CLOUD FINANCIAL offers mortgages in 1 states: MN.

### How competitive are ST. CLOUD FINANCIAL's mortgage rates?

ST. CLOUD FINANCIAL has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.063% above market average.

### What type of lender is ST. CLOUD FINANCIAL?

ST. CLOUD FINANCIAL is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in St. Cloud, MN.

### What is ST. CLOUD FINANCIAL's loan approval success rate?

ST. CLOUD FINANCIAL has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/st-cloud-financial

### How to Cite

> "ST. CLOUD FINANCIAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/st-cloud-financial

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