Mortgage lending in St. Cloud, MN
4,013 mortgages were originated in the St. Cloud, MN area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,013
- Median rate
- 6.625%
- Median lender fees
- $4,439
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.232
- Paid discount points
- 32.8%
- Received lender credits
- 21.4%
- Purchases / refinances
- 57.4% / 27.3%
- Conventional / FHA / VA
- 81.4% / 10.8% / 7.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the St. Cloud, MN area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Magnifi Financial Credit Union | 369 | $3,798 | 6.250% |
| Liberty Bank Minnesota | 202 | $2,711 | 6.750% |
| St. Cloud Financial | 202 | $899 | 6.050% |
| Homeowners Financial Group USA, LLC | 195 | $5,167 | 6.625% |
| Rocket Mortgage, LLC | 158 | $5,120 | 6.500% |
| United Shore Financial Services, LLC | 151 | $7,168 | 6.125% |
| Plaza Home Mortgage, Inc. | 130 | $5,642 | 6.375% |
| Deerwood Bank | 110 | — | 7.250% |
| U.S. Bank National Association | 108 | $4,009 | 7.188% |
| Trustone Financial Credit Union | 97 | $414 | 7.250% |