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State markets/Minnesota/St. Louis County

COUNTY MORTGAGE MARKET · FIPS 27137

St. Louis County, Minnesota

Who lends in St. Louis County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$949.0M

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

4,134

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

12.8%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

319

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 319 lenders that originated in St. Louis County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

321

unconcentrated

Top-5 lender share

29.5%

of originations

Purchase

68.2%

2,290 loans

Refinance

31.8%

1,069 loans

Origination trend

Annual mortgage origination volume and loan count in St. Louis County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in St. Louis County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its St. Louis County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR ST. LOUIS COUNTY →

TOP TEN LENDERS IN ST. LOUIS COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

371$115.2M$115.2M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
207$44.6M$44.6M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
227$43.7M$43.7M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
150$42.4M$42.4M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
117$34.0M$34.0M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
155$33.7M$33.7M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
195$28.3M$28.3M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$25.5M$25.5M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
198$24.3M$24.3M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$23.1M$23.1M originated in St. Louis County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in St. Louis County

All 52 ZIP Code Tabulation Areas that touch St. Louis County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
52 OF 52 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
66 of the 11 St. Louis County tracts this ZIP area touches sit mostly inside it.27,39511.7%7,580——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 12 St. Louis County tracts this ZIP area touches sit mostly inside it.17,7697.8%6,388——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 St. Louis County tracts this ZIP area touches sit mostly inside it.16,6137.6%5,728——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 St. Louis County tracts this ZIP area touches sit mostly inside it.16,2549.3%5,282——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 St. Louis County tracts this ZIP area touches sit mostly inside it.11,83911.0%3,559——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 St. Louis County tracts this ZIP area touches sit mostly inside it.10,29120.6%1,213——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 St. Louis County tracts this ZIP area touches sit mostly inside it.9,77520.6%1,658——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 St. Louis County tracts this ZIP area touches sit mostly inside it.9,62627.1%1,668——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 St. Louis County tracts this ZIP area touches sit mostly inside it.9,01715.4%2,733——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 St. Louis County tracts this ZIP area touches sit mostly inside it.7,0737.6%2,435——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 St. Louis County tracts this ZIP area touches sit mostly inside it.6,58813.2%2,069——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 St. Louis County tracts this ZIP area touches sit mostly inside it.6,42913.1%2,265——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 6 St. Louis County tracts this ZIP area touches sit mostly inside it.6,3897.9%2,222——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 7 St. Louis County tracts this ZIP area touches sit mostly inside it.6,1708.3%2,266——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 St. Louis County tracts this ZIP area touches sit mostly inside it.5,2567.5%1,869——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 St. Louis County tracts this ZIP area touches sit mostly inside it.4,77510.2%1,593——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 St. Louis County tracts this ZIP area touches sit mostly inside it.3,5407.1%1,383——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 5 St. Louis County tracts this ZIP area touches sit mostly inside it.3,5156.7%1,629——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 St. Louis County tracts this ZIP area touches sit mostly inside it.3,18721.6%1,019——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 St. Louis County tracts this ZIP area touches sit mostly inside it.3,17623.9%466——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 St. Louis County tracts this ZIP area touches sit mostly inside it.2,9045.6%1,076——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 St. Louis County tracts this ZIP area touches sit mostly inside it.2,28620.2%876——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 St. Louis County tracts this ZIP area touches sit mostly inside it.2,1035.8%862——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Louis County tracts this ZIP area touches sit mostly inside it.2,0206.7%841——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 St. Louis County tracts this ZIP area touches sit mostly inside it.1,6786.4%593——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Louis County tracts this ZIP area touches sit mostly inside it.1,6574.4%860——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Louis County tracts this ZIP area touches sit mostly inside it.1,5093.8%686——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 2 St. Louis County tracts this ZIP area touches sit mostly inside it.1,3976.0%595——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 4 tracts of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of St. Louis County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

74 of St. Louis County’s 75 census tracts are grouped into the ZIP areas above; the other 1 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in St. Louis County

All 75 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

75 OF 75 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Middle112.2%4,3408.0%OPEN →
Upper129.2%4,6027.9%OPEN →
Middle102.3%5,14015.0%OPEN →
Upper136.1%3,36016.3%OPEN →
Middle103.7%5,20612.7%OPEN →
Upper159.0%3,36511.0%OPEN →
Upper139.3%5,2168.1%OPEN →
Upper183.6%2,95810.0%OPEN →
Middle103.7%3,59813.7%OPEN →
Upper136.8%2,09413.0%OPEN →
Upper162.3%1,57413.7%OPEN →
Middle84.0%1,62823.2%OPEN →
Middle83.8%1,80321.7%OPEN →
—0.0%2,41019.5%OPEN →
Moderate60.6%1,44632.0%OPEN →
Low38.5%1,30022.1%OPEN →
Moderate57.0%2,28037.4%OPEN →
—0.0%2,01031.2%OPEN →
Middle91.5%1,29419.0%OPEN →
Upper149.6%1,16611.4%OPEN →
Middle100.3%4,1369.6%OPEN →
Moderate79.8%1,05315.9%OPEN →
Moderate58.0%2,03218.8%OPEN →
Moderate77.3%1,6067.6%OPEN →
Moderate76.2%1,43714.3%OPEN →
Moderate75.6%2,43018.7%OPEN →
Middle85.7%1,42815.8%OPEN →
Middle86.8%1,63510.2%OPEN →
Moderate69.9%2,00218.5%OPEN →
Moderate60.6%2,95111.2%OPEN →
Upper128.2%2,9469.2%OPEN →
Upper121.1%1,6187.3%OPEN →
Upper140.1%4,7959.3%OPEN →
Upper126.2%4,7588.3%OPEN →
Middle103.3%3,5017.6%OPEN →
Upper127.0%3,8374.9%OPEN →
Upper133.2%2,8816.6%OPEN →
Upper124.4%3,6825.9%OPEN →
Upper121.9%1,4938.2%OPEN →
Upper128.8%5,5807.5%OPEN →
Middle83.3%3,18721.6%OPEN →
Middle89.5%2,1035.8%OPEN →
Middle107.2%1,5093.8%OPEN →
Middle108.1%1,6574.4%OPEN →
Middle104.6%4,8036.7%OPEN →
Moderate55.7%1,90813.4%OPEN →
Upper125.7%2,5269.9%OPEN →
Middle83.7%4,38210.3%OPEN →
Moderate77.9%2,6359.1%OPEN →
Moderate79.9%4,77510.2%OPEN →
Middle94.3%2,3367.8%OPEN →
Middle95.0%2,9207.3%OPEN →
Moderate68.2%2,02913.0%OPEN →
Low47.4%2,40319.9%OPEN →
Middle94.5%3,9899.6%OPEN →
Moderate71.3%3,4939.8%OPEN →
Middle108.3%2,8965.5%OPEN →
Middle95.4%1,6876.1%OPEN →
Middle97.5%1,8537.9%OPEN →
Moderate73.8%1,6786.4%OPEN →
Middle84.2%2,3075.9%OPEN →
Middle82.1%2,0206.7%OPEN →
Moderate69.8%1,3976.0%OPEN →
Middle101.8%2,9045.6%OPEN →
Middle104.2%3,4185.3%OPEN →
Middle104.6%3,26511.2%OPEN →
Middle88.8%1,9644.4%OPEN →
Middle100.8%1,2088.1%OPEN →
Middle90.5%1,3907.7%OPEN →
Middle83.8%1,20032.8%OPEN →
Middle86.2%89639.6%OPEN →
Moderate50.5%2,96732.4%OPEN →
Middle93.4%4,21327.7%OPEN →
Middle87.6%3,72213.5%OPEN →
—0.0%——OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

200,123

Median household income

$70,069

Median home value

$221,400

Median gross rent

$1,013

per month

Owner-occupied

71.2%

of occupied units

Housing units

104,263

16.4% vacant

Poverty rate

13.2%

Unemployment

4.6%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 91.6

Social vulnerability

Relatively Low

Community resilience

Very High

ELEVATED PERILS

Winter weather Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

70

Declarations recorded

17

Incident types on record: Biological, Drought, Fire, Flood, Hurricane, Severe Storm.

Everything we hold on St. Louis County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to St. Louis County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for St. Louis County →Every reported application and origination in FIPS 27137, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in St. Louis County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

205

—

Purchase share

35.6%

73 loans

IRRRL refinances

79

Cash-out refinances

53

2026205—737953
2025208—1284436
2024184—1172641
2023154—114238
2022——1275798
2021697—207362128
2020498—15725685
2019328—2113483
2018306—17724105
2017331—15266113
2016314—1656584
2015338—1757588

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in St. Louis County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

St. Louis County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

237

−19.1% vs 2024

Multifamily · 2025

175

−49.1% vs 2024

Total authorized · 2025

412

−35.3% vs 2024

Permit valuation · 2025

$99.3M

authorized construction value

Units authorized by year

St. Louis County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
05001K1.5K2K1990199219941996199820002002200420062008201020122014201620182020202220242025412 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for St. Louis County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Other flows - Midwest, DS586912$42.4M
outflow2223Other flows - South, DS493827$36.6M
outflow2223Hennepin County, MN460596$22.5M
outflow2223Other flows - Midwest, DS458733$28.7M
inflow2223Other flows - West, DS423687$30.0M
outflow2223Douglas County, WI391580$22.9M
outflow2223Other flows - West, DS391577$25.1M
outflow2223Carlton County, MN374640$23.7M
inflow2223Other flows - South, DS363603$23.8M
inflow2223Hennepin County, MN359482$25.1M
inflow2223Douglas County, WI315474$14.7M
inflow2223Carlton County, MN303461$13.8M
outflow2223Ramsey County, MN207288$9.6M
inflow2223Itasca County, MN182276$7.6M
outflow2223Itasca County, MN173284$12.4M
inflow2223Ramsey County, MN151207$9.9M
inflow2223Anoka County, MN130188$6.4M
inflow2223Lake County, MN126212$7.6M
outflow2223Dakota County, MN122173$6.6M
inflow2223Other flows - Northeast, DS115160$7.8M
outflow2223Other flows - Northeast, DS110143$6.7M
outflow2223Anoka County, MN109179$5.3M
inflow2223Dakota County, MN102138$5.6M
outflow2223Washington County, MN85120$4.2M
outflow2223Lake County, MN78127$4.6M
inflow2223Washington County, MN75110$3.7M
inflow2223Stearns County, MN71103$3.8M
inflow2223Maricopa County, AZ5281$3.0M
inflow2223Olmsted County, MN5171$3.6M
inflow2223Beltrami County, MN4867$1.8M
inflow2223Pine County, MN4769$2.0M
outflow2223Maricopa County, AZ4770$4.2M
outflow2223Crow Wing County, MN4562$2.9M
inflow2223Wright County, MN4360$2.2M
outflow2223Cass County, ND4261$2.5M
inflow2223Scott County, MN4057$2.8M
inflow2223Crow Wing County, MN3950$2.6M
inflow2223Carver County, MN3648$2.3M
outflow2223Stearns County, MN3648$1.7M
inflow2223Sherburne County, MN3652$1.8M
inflow2223Cass County, ND3647$2.3M
inflow2223Cook County, MN3450$1.8M
outflow2223Pine County, MN3356$1.7M
outflow2223Beltrami County, MN3344$1.6M
outflow2223Wright County, MN3237$1.4M
outflow2223Scott County, MN3243$1.5M
inflow2223Koochiching County, MN3251$1.3M
inflow2223Aitkin County, MN3051$1.8M
inflow2223Bayfield County, WI3036$1.1M
inflow2223Cook County, IL2945$2.1M
outflow2223Olmsted County, MN2943$1.6M
outflow2223Dane County, WI2837$1.2M
outflow2223Cook County, IL2740$967K
inflow2223Chisago County, MN2743$1.1M
outflow2223Foreign - Other flows, FR2534$1.7M
outflow2223Koochiching County, MN2440$1.5M
inflow2223Cass County, MN2447$985K
outflow2223Aitkin County, MN2341$1.5M
inflow2223Dane County, WI2333$1.2M
outflow2223Eau Claire County, WI2226$976K
outflow2223Cook County, MN2235$1.0M
outflow2223Sherburne County, MN2240$1.6M
outflow2223Denver County, CO2223$1.0M
inflow2223Eau Claire County, WI2231$1.4M
inflow2223Foreign - Other flows, FR2144$1.2M
inflow2223Otter Tail County, MN2131$1.2M
inflow2223Grand Forks County, ND2127$1.0M
outflow2223Bayfield County, WI2129$612K
outflow2223Carver County, MN2143$2.1M
inflow2223Blue Earth County, MN2023$760K
inflow2223Clay County, MN2037$1.4M
outflow2223Blue Earth County, MN2028$648K
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
inflow2122Other flows - Midwest, DS576941$33.9M
outflow2122Other flows - Midwest, DS473754$31.9M
inflow2122Other flows - West, DS444767$33.3M
outflow2122Other flows - South, DS429722$42.3M
outflow2122Hennepin County, MN404543$19.9M
outflow2122Other flows - West, DS388573$25.0M
inflow2122Hennepin County, MN378533$28.5M
outflow2122Carlton County, MN368659$23.8M
outflow2122Douglas County, WI366551$20.6M
inflow2122Other flows - South, DS340562$23.3M
inflow2122Douglas County, WI292461$12.5M
inflow2122Carlton County, MN290494$15.1M
outflow2122Ramsey County, MN200277$9.2M
outflow2122Itasca County, MN188334$12.6M
inflow2122Ramsey County, MN172244$9.4M
inflow2122Itasca County, MN153220$6.4M
outflow2122Dakota County, MN118166$5.5M
inflow2122Lake County, MN118219$8.0M
inflow2122Anoka County, MN106167$6.9M
inflow2122Dakota County, MN106146$7.4M
outflow2122Lake County, MN95159$5.3M
inflow2122Other flows - Northeast, DS95146$8.0M
outflow2122Anoka County, MN86125$3.6M
outflow2122Washington County, MN79118$5.0M
outflow2122Other flows - Northeast, DS77118$6.6M
inflow2122Washington County, MN71104$4.8M
inflow2122Stearns County, MN5682$2.4M
outflow2122Maricopa County, AZ5588$3.3M
inflow2122Olmsted County, MN55105$4.0M
inflow2122Crow Wing County, MN5479$2.6M
outflow2122Stearns County, MN5278$2.1M
outflow2122Pine County, MN5178$2.6M
inflow2122Beltrami County, MN4976$2.4M
inflow2122Sherburne County, MN4770$3.1M
inflow2122Maricopa County, AZ4567$2.6M
inflow2122Cass County, ND4253$2.7M
outflow2122Cass County, ND4253$2.5M
outflow2122Cook County, IL4158$1.8M
outflow2122Scott County, MN4066$3.4M
inflow2122Wright County, MN3959$2.3M
outflow2122Crow Wing County, MN3757$1.9M
inflow2122Scott County, MN3445$2.3M
outflow2122Olmsted County, MN3343$1.6M
inflow2122Koochiching County, MN3353$1.6M
outflow2122Sherburne County, MN3240$1.5M
inflow2122Chisago County, MN3047$1.9M
outflow2122Koochiching County, MN3051$2.2M
outflow2122Beltrami County, MN2954$1.5M
outflow2122Dane County, WI2936$1.5M
inflow2122Cook County, MN2739$2.0M
inflow2122Blue Earth County, MN2745$2.2M
inflow2122Pine County, MN2640$1.1M
outflow2122Cass County, MN2332$1.3M
outflow2122Wright County, MN2232$900K
outflow2122Bayfield County, WI2135$1.1M
inflow2122Carver County, MN2142$3.1M
outflow2122Lee County, FL2049$2.5M
inflow2122Otter Tail County, MN2036$1.0M
inflow2122Ashland County, WI2035$797K
inflow2122Dane County, WI2028$1.2M
inflow2122Milwaukee County, WI2024$510K
inflow2021Foreign - Other flows, FR———
outflow2021Foreign - Other flows, FR———
inflow2021Other flows - Midwest, DS555891$34.0M
outflow2021Other flows - Midwest, DS482820$27.0M
inflow2021Other flows - West, DS479797$33.4M
inflow2021Hennepin County, MN443664$31.9M
outflow2021Other flows - South, DS426790$29.1M
outflow2021Carlton County, MN422772$23.0M
outflow2021Other flows - West, DS422682$24.1M
outflow2021Hennepin County, MN411532$21.4M
outflow2021Douglas County, WI398600$19.3M
inflow2021Other flows - South, DS316559$25.0M
inflow2021Douglas County, WI304489$11.8M
inflow2021Carlton County, MN297527$16.4M
inflow2021Itasca County, MN201303$7.4M
inflow2021Ramsey County, MN180284$11.0M
outflow2021Itasca County, MN177335$8.8M
outflow2021Ramsey County, MN158218$6.7M
inflow2021Anoka County, MN109185$7.4M
outflow2021Anoka County, MN108157$4.0M
inflow2021Dakota County, MN103158$6.6M
outflow2021Dakota County, MN98132$4.1M
inflow2021Other flows - Northeast, DS97165$7.1M
outflow2021Other flows - Northeast, DS85126$4.4M
inflow2021Lake County, MN83159$4.7M
outflow2021Lake County, MN81140$4.5M
outflow2021Washington County, MN79120$5.4M
inflow2021Washington County, MN61108$5.8M
inflow2021Stearns County, MN5979$2.4M
inflow2021Sherburne County, MN4890$3.7M
inflow2021Maricopa County, AZ4776$3.2M
inflow2021Crow Wing County, MN4568$1.6M
outflow2021Pine County, MN4064$2.1M
inflow2021Olmsted County, MN4076$3.0M
inflow2021Scott County, MN3961$4.1M
outflow2021Crow Wing County, MN3952$1.7M
outflow2021Maricopa County, AZ3966$2.8M
inflow2021Chisago County, MN3873$3.1M
outflow2021Stearns County, MN3854$1.8M
inflow2021Beltrami County, MN3862$1.5M
inflow2021Pine County, MN3853$1.4M
inflow2021Wright County, MN3551$1.7M
outflow2021Olmsted County, MN3551$1.7M
outflow2021Cass County, ND3247$1.7M
outflow2021Wright County, MN3139$1.1M
outflow2021Beltrami County, MN3043$1.6M
inflow2021Cass County, ND2937$1.5M
outflow2021Chisago County, MN2846$1.5M
inflow2021Cook County, IL2643$2.4M
outflow2021Koochiching County, MN2637$2.3M
outflow2021Cass County, MN2645$3.0M
inflow2021Carver County, MN2653$2.2M
outflow2021Lee County, FL2541$1.7M
inflow2021Koochiching County, MN2433$1.1M
outflow2021Rice County, MN2432$587K
outflow2021Cook County, IL2340$735K
outflow2021Aitkin County, MN2239$1.0M
outflow2021Sherburne County, MN2240$784K
outflow2021Milwaukee County, WI2128$556K
outflow1920Foreign - Other flows, FR———
inflow1920Foreign - Other flows, FR———
outflow1920Other flows - Midwest, DS539978$33.6M
inflow1920Other flows - Midwest, DS520949$31.4M
outflow1920Other flows - South, DS481854$40.3M
outflow1920Hennepin County, MN431562$22.3M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for St. Louis County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals1,345.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals391.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,736.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals285,000.0
2023BothNo CharacteristicAll Appraisals259,000.0
2023PurchaseNo CharacteristicAll Appraisals254,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals240,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals231,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals763.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals270,000.0
2022BothNo CharacteristicAll Appraisals2,365.0
2022PurchaseNo CharacteristicAll Appraisals1,602.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals243,000.0
2021BothNo CharacteristicAll Appraisals4,527.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,205.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals2,322.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals230,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals218,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals4,570.0
2020PurchaseNo CharacteristicAll Appraisals2,118.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals226,000.0
2020RefinanceNo CharacteristicAll Appraisals250,000.0
2020RefinanceNo CharacteristicAll Appraisals2,452.0
2020PurchaseNo CharacteristicAll Appraisals204,800.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals200,000.0
2019PurchaseNo CharacteristicAll Appraisals1,844.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.1
2019RefinanceNo CharacteristicAll Appraisals236,000.0
2019BothNo CharacteristicAll Appraisals3,116.0
2019RefinanceNo CharacteristicAll Appraisals1,272.0
2019PurchaseNo CharacteristicAll Appraisals185,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals206,000.0
2018BothNo CharacteristicAll Appraisals2,623.0
2018PurchaseNo CharacteristicAll Appraisals1,757.0
2018RefinanceNo CharacteristicAll Appraisals866.0
2018BothNo CharacteristicAll Appraisals184,000.0
2018PurchaseNo CharacteristicAll Appraisals175,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.0
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals201,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.0
2017BothNo CharacteristicAll Appraisals2,876.0
2017PurchaseNo CharacteristicAll Appraisals1,719.0
2017PurchaseNo CharacteristicAll Appraisals166,000.0
2017RefinanceNo CharacteristicAll Appraisals1,157.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals180,000.0
2016PurchaseNo CharacteristicAll Appraisals1,715.0
2016RefinanceNo CharacteristicAll Appraisals214,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals166,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.0
2016BothNo CharacteristicAll Appraisals184,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals3,290.0
2016RefinanceNo CharacteristicAll Appraisals1,575.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals157,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals215,000.0
2015BothNo CharacteristicAll Appraisals3,053.0
2015RefinanceNo CharacteristicAll Appraisals1,371.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,682.0
2015BothNo CharacteristicAll Appraisals178,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals164,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for St. Louis County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-0598,59794,0034,5944.7%
2026-0499,30494,6334,6714.7%
2026-0399,00393,6035,4005.5%
2026-0299,84293,8805,9626.0%
2026-0199,70693,8385,8685.9%
2025-12100,44195,5824,8594.8%
2025-11100,90995,8855,0245.0%
2025-09100,83296,6794,1534.1%
2025-08100,41295,6384,7744.8%
2025-07100,95795,9934,9644.9%
2025-06101,52896,4055,1235.0%
2025-05100,87996,8024,0774.0%
2025-04101,44397,1994,2444.2%
2025-03101,30896,5734,7354.7%
2025-02101,28796,5114,7764.7%
2025-01100,14995,7454,4044.4%
2024-1299,28495,9823,3023.3%
2024-1199,28896,2383,0503.1%
2024-1099,86697,2362,6302.6%
2024-09100,24697,4812,7652.8%
2024-0899,20295,4973,7053.7%
2024-07100,19996,2633,9363.9%
2024-06100,27896,1854,0934.1%
2024-05100,28196,9703,3113.3%
2024-04100,59397,2203,3733.4%
2024-03100,96896,9973,9713.9%
2024-02100,49796,3954,1024.1%
2024-0199,19795,4193,7783.8%
2023-1298,61395,6582,9553.0%
2023-1198,88796,5442,3432.4%
2023-1099,02496,6102,4142.4%
2023-0999,35596,9312,4242.4%
2023-0899,02095,9003,1203.2%
2023-07100,08096,9103,1703.2%
2023-06100,50796,8523,6553.6%
2023-0599,87896,6483,2303.2%
2023-0499,57296,3013,2713.3%
2023-03100,11696,3843,7323.7%
2023-02100,09896,1173,9814.0%
2023-0198,25794,4343,8233.9%
2022-1298,31195,1143,1973.3%
2022-1198,59795,9052,6922.7%
2022-1098,82396,5462,2772.3%
2022-0999,55697,2382,3182.3%
2022-0898,19095,1683,0223.1%
2022-0798,24295,3542,8882.9%
2022-0698,35495,1743,1803.2%
2022-0598,42895,7862,6422.7%
2022-0498,26695,7492,5172.6%
2022-0398,82995,5253,3043.3%
2022-0298,58895,0283,5603.6%
2022-0197,91094,0423,8684.0%
2021-1298,09794,9723,1253.2%
2021-1199,08596,3062,7792.8%
2021-1098,49395,8372,6562.7%
2021-0998,05595,0782,9773.0%
2021-0896,84393,0843,7593.9%
2021-0797,52193,6343,8874.0%
2021-0697,64293,0764,5664.7%
2021-0597,96794,0883,8794.0%
2021-0498,63694,0114,6254.7%
2021-0398,42593,3665,0595.1%
2021-0298,55793,0105,5475.6%
2021-0197,94692,0255,9216.0%
2020-1298,80492,8405,9646.0%
2020-11100,98895,8135,1755.1%
2020-10101,97096,5905,3805.3%
2020-09102,06995,8936,1766.1%
2020-08101,51994,4637,0567.0%
2020-07101,60592,3159,2909.1%
2020-06101,37290,58410,78810.6%
2020-0598,38285,17813,20413.4%
2020-0498,31588,03710,27810.5%
2020-03102,49296,5875,9055.8%
2020-02102,94098,0994,8414.7%
2020-01101,59296,6994,8934.8%
2019-12101,51997,1844,3354.3%
2019-11102,06298,0564,0063.9%
2019-10101,77898,4173,3613.3%
2019-09101,02997,7903,2393.2%
2019-08100,07196,0823,9894.0%
2019-07100,91596,7374,1784.1%
2019-06101,38497,0614,3234.3%
2019-05101,53797,7193,8183.8%
2019-04101,76097,7294,0314.0%
2019-03101,82097,0914,7294.6%
2019-02102,18297,4084,7744.7%
2019-01100,98695,7885,1985.1%
2018-12100,97996,7614,2184.2%
2018-11101,14797,7543,3933.4%
2018-10101,23498,2612,9732.9%
2018-09100,74597,7682,9773.0%
2018-0899,52195,9983,5233.5%
2018-07100,91197,1773,7343.7%
2018-06101,53897,4924,0464.0%
2018-05101,70498,1743,5303.5%
2018-04102,05098,1193,9313.9%
2018-03102,16497,5444,6204.5%
2018-02102,57997,6824,8974.8%
2018-01100,66395,8544,8094.8%

BEA Personal Income

2024$12.42B200,794$62K
2023$11.80B200,618$59K
2022$11.29B199,598$57K
2021$11.18B199,522$56K
2020$10.15B200,083$51K
2019$9.58B200,571$48K
2018$9.32B201,062$46K
2017$8.75B200,937$44K
2016$8.47B200,941$42K
2015$8.54B201,154$42K
2014$8.35B201,344$41K
2013$8.05B200,980$40K
2012$8.14B200,727$41K
2011$8.01B200,621$40K
2010$7.52B200,180$38K
2009$7.03B200,198$35K
2008$7.11B199,745$36K
2007$6.63B198,903$33K
2006$6.28B198,357$32K
2005$5.97B198,443$30K
2004$5.98B199,304$30K
2003$5.78B200,076$29K
2002$5.63B200,519$28K
2001$5.42B201,307$27K
2000$5.34B200,626$27K
1999$5.03B200,164$25K
1998$4.86B199,160$24K
1997$4.52B199,649$23K
1996$4.37B198,840$22K
1995$4.15B198,611$21K
1994$3.89B200,650$19K
1993$3.72B200,567$19K
1992$3.66B200,723$18K
1991——$17K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in St. Louis County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2024-06-22$235K$185K$50KYes
2024-06-20$26K$26K$0Yes
2024-06-19$4K$4K$0Yes
2024-06-19$13K$13K$0Yes
2024-06-18$160K$160K$0No
2024-05-22$0——Yes
2022-06-13$20K$20K$0No
2022-05-17$24K$24K$0Yes
2022-04-16$0$0$0No
2020-07-09$0——Yes
2019-10-21$1K$1K$0Yes
2019-10-21$53K$41K$11KYes
2019-10-21$2K$2K$0Yes
2018-06-17$5K$5K$0Yes
2018-06-16$7K$7K$0Yes
2014-06-02$0——No
2014-04-09$1K$1K$0No
2013-04-26$0——No
2012-06-23$0——Yes
2012-06-22$34K$34K$0Yes
2012-06-21$0——Yes
2012-06-21$12K$12K$0Yes
2012-06-21$339.35$339.35$0Yes
2012-06-21$7K$7K$0Yes
2012-06-21$4K$4K$0Yes
2012-06-21$21K$12K$9KNo
2012-06-21$94K$78K$16KNo
2012-06-21$7K$7K$0Yes
2012-06-20$29K$23K$0Yes
2012-06-20$2K$2K$0Yes
2012-06-20$18K$18K$268.82No
2012-06-20$5K$5K$0Yes
2012-06-20$1K$1K$0Yes
2012-06-20$6K$6K$0Yes
2012-06-20$11K$11K$0Yes
2012-06-20$37K$37K$0No
2012-06-20$0——No
2012-06-20$27K$24K$3KNo
2012-06-20$20K$20K$0No
2012-06-20$38K$33K$4KYes
2012-06-20$22K$19K$3KYes
2012-06-20$28K$12K$0Yes
2012-06-20$30K$30K$0Yes
2012-06-20$1K$1K$0No
2012-06-20$24K$20K$4KYes
2012-06-20$14K$14K$0Yes
2012-06-20$7K$7K$0Yes
2012-06-20$0——No
2012-06-20$6K$6K$0No
2012-06-20$6K$4K$2KYes
2012-06-20$50K$39K$0Yes
2012-06-20$7K$7K$0No
2012-06-20$59K$49K$2KNo
2012-06-20$55K$55K$0Yes
2012-06-20$55K$55K$0No
2012-06-20$0——Yes
2012-06-20$57K$57K$0No
2012-06-20$3K$3K$0No
2012-06-20$3K$3K$0No
2012-06-20$29K$24K$5KYes
2012-06-19$0——Yes
2012-06-19$1K$1K$0No
2012-06-19$50K$44K$6KYes
2012-06-19$40K$40K$0No
2012-06-19$0——Yes
2012-06-19$6K$5K$653.24Yes
2012-06-19$50K$49K$1KNo
2012-06-19$4K$4K$0No
2012-06-19$0——Yes
2012-06-19$15K$11K$4KYes
2012-06-19$0——Yes
2012-06-19$17K$17K$299.64Yes
2012-06-19$2K$2K$0Yes
2012-06-18$11K$11K$0Yes
2012-05-26$1K$1K$0Yes
2010-10-26$0——No
2010-06-24$1K$1K$0Yes
2010-06-24$4K$4K$0Yes
2009-08-19$14K$14K$0Yes
2009-08-18$12K$12K$0Yes
2009-04-26$2K$2K$0Yes
2008-06-05$0——Yes
2007-10-18$271.5$271.5$0No
2007-10-07$0——No
2007-03-13$3K$3K$0Yes
2002-06-24$0——Yes
2002-04-10$12K$9K$2KYes
2001-05-28$0——No
2001-04-28$0——Yes
2001-04-22$2K$2K$0Yes
2001-04-22$0——Yes
2001-04-07$0——Yes
2001-04-07$2K$2K$0Yes
1999-07-25$0——Yes
1999-07-25$25K$25K$0Yes
1999-07-08$18K$12K$6KNo
1999-07-08$2K$2K$0Yes
1999-07-04$782.1$782.1$0No
1999-07-04$0——Yes
1999-07-04$0——Yes

ALSO CHECKED

18 more data areas were checked for St. Louis County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the MN state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN ST. LOUIS COUNTY →Opens the loan explorer already filtered to county FIPS 27137.

See the Minnesota state market profile for the statewide picture, the Minnesota state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.