Cambria Financial Group Mortgage Lending & HMDA Data, 2016
In 2016, Cambria Financial Group of Eden Prairie, MN reported 1,478 mortgage applications totaling $313.4 million, down 18% from 2015. The average application was for $212,016, and applicants reported an average income of $91,556. 69% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,106), Mankato-North Mankato, MN (69) and Duluth, MN-WI (22) (applications in parentheses).
| Mortgage Company & Address | Cambria Financial Group 11000 W 78th Street, Suite 300 Eden Prairie, MN 55344 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 1,478 |
| Total Mortgage Loan Application Amount | $313,361,000 |
| Average Mortgage Loan Application Amount | $212,016 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $91,556 |
| Highest Applicant Income | $985,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cambria Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin, Minnesota | 369 | $ 85,694,000 | $ 232,233 | $ 96,000 |
| Dakota, Minnesota | 158 | $ 35,924,000 | $ 227,367 | $ 90,000 |
| Anoka, Minnesota | 148 | $ 29,885,000 | $ 201,925 | $ 78,000 |
| Ramsey, Minnesota | 107 | $ 20,877,000 | $ 195,112 | $ 82,000 |
| Scott, Minnesota | 86 | $ 20,145,000 | $ 234,244 | $ 96,000 |
| Washington, Minnesota | 69 | $ 17,976,000 | $ 260,521 | $ 108,000 |
| Carver, Minnesota | 44 | $ 11,315,000 | $ 257,159 | $ 107,000 |
| Nicollet, Minnesota | 40 | $ 6,766,000 | $ 169,150 | $ 75,000 |
| Blue Earth, Minnesota | 29 | $ 4,244,000 | $ 146,344 | $ 64,000 |
| Wright, Minnesota | 28 | $ 5,595,000 | $ 199,821 | $ 114,000 |
| Isanti, Minnesota | 19 | $ 3,181,000 | $ 167,421 | $ 61,000 |
| Le Sueur, Minnesota | 18 | $ 4,395,000 | $ 244,166 | $ 93,000 |
| St. Louis, Minnesota | 16 | $ 4,776,000 | $ 298,500 | $ 149,000 |
| Sherburne, Minnesota | 15 | $ 3,204,000 | $ 213,600 | $ 83,000 |
| Sibley, Minnesota | 15 | $ 1,662,000 | $ 110,800 | $ 44,000 |
| Chisago, Minnesota | 14 | $ 2,398,000 | $ 171,285 | $ 77,000 |
| Rice, Minnesota | 14 | $ 2,416,000 | $ 172,571 | $ 67,000 |
| Olmsted, Minnesota | 13 | $ 3,744,000 | $ 288,000 | $ 116,000 |
| Aitkin, Minnesota | 12 | $ 2,052,000 | $ 171,000 | $ 95,000 |
| Steele, Minnesota | 10 | $ 1,442,000 | $ 144,200 | $ 81,000 |
| Crow Wing, Minnesota | 9 | $ 1,702,000 | $ 189,111 | $ 104,000 |
| Itasca, Minnesota | 8 | $ 1,883,000 | $ 235,375 | $ 150,000 |
| Mille Lacs, Minnesota | 8 | $ 1,617,000 | $ 202,125 | $ 112,000 |
| St. Croix, Wisconsin | 8 | $ 2,098,000 | $ 262,250 | $ 122,000 |
| Cass, Minnesota | 7 | $ 1,316,000 | $ 188,000 | $ 147,000 |
| Douglas, Minnesota | 7 | $ 1,721,000 | $ 245,857 | $ 148,000 |
| McLeod, Minnesota | 7 | $ 1,443,000 | $ 206,142 | $ 85,000 |
| Meeker, Minnesota | 7 | $ 1,504,000 | $ 214,857 | $ 98,000 |
| Stearns, Minnesota | 7 | $ 1,474,000 | $ 210,571 | $ 90,000 |
| Todd, Minnesota | 6 | $ 896,000 | $ 149,333 | $ 62,000 |
| Brown, Minnesota | 5 | $ 533,000 | $ 106,600 | $ 45,000 |
| Carlton, Minnesota | 5 | $ 713,000 | $ 142,600 | $ 74,000 |
| Mower, Minnesota | 5 | $ 498,000 | $ 99,600 | $ 55,000 |
| Redwood, Minnesota | 5 | $ 532,000 | $ 106,400 | $ 55,000 |
| Barron, Wisconsin | 5 | $ 923,000 | $ 184,600 | $ 251,000 |
| Dane, Wisconsin | 5 | $ 1,193,000 | $ 238,600 | $ 116,000 |
| Cottonwood, Minnesota | 4 | $ 745,000 | $ 186,250 | $ 112,000 |
| Goodhue, Minnesota | 4 | $ 622,000 | $ 155,500 | $ 57,000 |
| Martin, Minnesota | 4 | $ 348,000 | $ 87,000 | $ 37,000 |
| Pine, Minnesota | 4 | $ 741,000 | $ 185,250 | $ 172,000 |
| Pope, Minnesota | 4 | $ 670,000 | $ 167,500 | $ 61,000 |
| Polk, Iowa | 3 | $ 657,000 | $ 219,000 | $ 83,000 |
| Grant, Minnesota | 3 | $ 477,000 | $ 159,000 | $ 88,000 |
| Kanabec, Minnesota | 3 | $ 456,000 | $ 152,000 | $ 13,000 |
| Kandiyohi, Minnesota | 3 | $ 537,000 | $ 179,000 | $ 43,000 |
| Morrison, Minnesota | 3 | $ 561,000 | $ 187,000 | $ 54,000 |
| Otter Tail, Minnesota | 3 | $ 421,000 | $ 140,333 | $ 67,000 |
| Renville, Minnesota | 3 | $ 521,000 | $ 173,666 | $ 58,000 |
| Stevens, Minnesota | 3 | $ 427,000 | $ 142,333 | $ 80,000 |
| Waseca, Minnesota | 3 | $ 245,000 | $ 81,666 | $ 52,000 |
| Burleigh, North Dakota | 3 | $ 539,000 | $ 179,666 | $ 104,000 |
| Morton, North Dakota | 3 | $ 470,000 | $ 156,666 | $ 23,000 |
| Stark, North Dakota | 3 | $ 639,000 | $ 213,000 | $ 29,000 |
| Minnehaha, South Dakota | 3 | $ 883,000 | $ 294,333 | $ 106,000 |
| Burnett, Wisconsin | 3 | $ 401,000 | $ 133,666 | $ 196,000 |
| Milwaukee, Wisconsin | 3 | $ 642,000 | $ 214,000 | $ 87,000 |
| Dubuque, Iowa | 2 | $ 388,000 | $ 194,000 | $ 88,000 |
| Jefferson, Iowa | 2 | $ 286,000 | $ 143,000 | $ 106,000 |
| Linn, Iowa | 2 | $ 223,000 | $ 111,500 | $ 35,000 |
| Scott, Iowa | 2 | $ 554,000 | $ 277,000 | $ 132,000 |
| Beltrami, Minnesota | 2 | $ 289,000 | $ 144,500 | $ 73,000 |
| Freeborn, Minnesota | 2 | $ 385,000 | $ 192,500 | $ 140,000 |
| Jackson, Minnesota | 2 | $ 116,000 | $ 58,000 | $ 22,000 |
| Swift, Minnesota | 2 | $ 208,000 | $ 104,000 | $ 29,000 |
| Watonwan, Minnesota | 2 | $ 214,000 | $ 107,000 | $ 63,000 |
| Barnes, North Dakota | 2 | $ 212,000 | $ 106,000 | $ 90,000 |
| Cass, North Dakota | 2 | $ 384,000 | $ 192,000 | $ 104,000 |
| Grand Forks, North Dakota | 2 | $ 281,000 | $ 140,500 | $ 41,000 |
| Williams, North Dakota | 2 | $ 540,000 | $ 270,000 | $ 85,000 |
| Pennington, South Dakota | 2 | $ 461,000 | $ 230,500 | $ 118,000 |
| Chippewa, Wisconsin | 2 | $ 430,000 | $ 215,000 | $ 55,000 |
| Eau Claire, Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 22,000 |
| Kenosha, Wisconsin | 2 | $ 451,000 | $ 225,500 | $ 100,000 |
| Ozaukee, Wisconsin | 2 | $ 505,000 | $ 252,500 | $ 88,000 |
| Sawyer, Wisconsin | 2 | $ 620,000 | $ 310,000 | $ 567,000 |
| Lee, Florida | 1 | $ 417,000 | $ 417,000 | $ 206,000 |
| Black Hawk, Iowa | 1 | $ 83,000 | $ 83,000 | $ 37,000 |
| Fremont, Iowa | 1 | $ 38,000 | $ 38,000 | $ 30,000 |
| Johnson, Iowa | 1 | $ 142,000 | $ 142,000 | $ 85,000 |
| Lee, Iowa | 1 | $ 64,000 | $ 64,000 | $ 45,000 |
| Lyon, Iowa | 1 | $ 264,000 | $ 264,000 | $ 73,000 |
| Mills, Iowa | 1 | $ 192,000 | $ 192,000 | $ 76,000 |
| Warren, Iowa | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Becker, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Big Stone, Minnesota | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Clay, Minnesota | 1 | $ 330,000 | $ 330,000 | $ 65,000 |
| Cook, Minnesota | 1 | $ 182,000 | $ 182,000 | $ 106,000 |
| Faribault, Minnesota | 1 | $ 94,000 | $ 94,000 | $ 33,000 |
| Houston, Minnesota | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
| Hubbard, Minnesota | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
| Koochiching, Minnesota | 1 | $ 201,000 | $ 201,000 | $ 30,000 |
| Lake, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 270,000 |
| Lincoln, Minnesota | 1 | $ 92,000 | $ 92,000 | $ 24,000 |
| Mahnomen, Minnesota | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| Pennington, Minnesota | 1 | $ 143,000 | $ 143,000 | $ 35,000 |
| Pipestone, Minnesota | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Polk, Minnesota | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| Red Lake, Minnesota | 1 | $ 206,000 | $ 206,000 | $ 64,000 |
| Roseau, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Wadena, Minnesota | 1 | $ 166,000 | $ 166,000 | $ 97,000 |
| Wilkin, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Winona, Minnesota | 1 | $ 122,000 | $ 122,000 | $ 18,000 |
| Yellow Medicine, Minnesota | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Dickey, North Dakota | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| McLean, North Dakota | 1 | $ 300,000 | $ 300,000 | $ 64,000 |
| Ward, North Dakota | 1 | $ 276,000 | $ 276,000 | $ 72,000 |
| Hamlin, South Dakota | 1 | $ 300,000 | $ 300,000 | $ 985,000 |
| Hughes, South Dakota | 1 | $ 179,000 | $ 179,000 | $ 69,000 |
| Lincoln, South Dakota | 1 | $ 445,000 | $ 445,000 | $ 133,000 |
| Roberts, South Dakota | 1 | $ 52,000 | $ 52,000 | $ 59,000 |
| Bayfield, Wisconsin | 1 | $ 312,000 | $ 312,000 | $ 114,000 |
| Calumet, Wisconsin | 1 | $ 192,000 | $ 192,000 | $ 131,000 |
| Douglas, Wisconsin | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Outagamie, Wisconsin | 1 | $ 224,000 | $ 224,000 | $ 72,000 |
| Polk, Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 67,000 |
| Richland, Wisconsin | 1 | $ 171,000 | $ 171,000 | $ 33,000 |
| Taylor, Wisconsin | 1 | $ 47,000 | $ 47,000 | $ 32,000 |
| Walworth, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Washburn, Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 112,000 |
| Waukesha, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Waupaca, Wisconsin | 1 | $ 154,000 | $ 154,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Cambria Financial Group in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 650 | $134,107,000 | $206,000 | $1,000,000 | $84,000 | $985,000 |
| Refinancing | 505 | $113,784,000 | $225,000 | $1,250,000 | $101,000 | $738,000 |
| Home Improvement | 323 | $65,470,000 | $202,000 | $591,000 | $92,000 | $381,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,143 | $244,147,000 | $213,000 | $1,250,000 | $95,000 | $985,000 |
| Not Provided | 125 | $26,615,000 | $212,000 | $726,000 | $85,000 | $666,000 |
| Asian | 97 | $19,972,000 | $205,000 | $417,000 | $87,000 | $912,000 |
| Black or African American | 73 | $14,876,000 | $203,000 | $398,000 | $66,000 | $220,000 |
| Hispanic | 30 | $5,248,000 | $174,000 | $335,000 | $59,000 | $271,000 |
| American Indian or Alaskan Native | 8 | $1,894,000 | $236,000 | $417,000 | $85,000 | $171,000 |
| Not applicable | 2 | $609,000 | $304,000 | $322,000 | $97,000 | $110,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 943 | $214,049,000 | $226,000 | $1,250,000 | $109,000 | $985,000 |
| FHA-insured (Federal Housing Administration) | 408 | $72,004,000 | $176,000 | $332,000 | $60,000 | $912,000 |
| VA-guaranteed (Veterans Administration) | 119 | $26,088,000 | $219,000 | $633,000 | $64,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,220,000 | $152,000 | $218,000 | $53,000 | $82,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,025 | $221,503,000 | $216,000 | $1,000,000 | $95,000 | $985,000 |
| Application Withdrawn By Applicant | 395 | $81,980,000 | $207,000 | $1,250,000 | $88,000 | $912,000 |
| Application Denied By Financial Institution | 56 | $9,480,000 | $169,000 | $407,000 | $61,000 | $168,000 |
| File Closed For Incompleteness | 2 | $398,000 | $199,000 | $205,000 | $86,000 | $112,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 11 | $1,648,000 | $149,000 | $306,000 | $52,000 | $89,000 |
| Credit History | 9 | $1,318,000 | $146,000 | $228,000 | $69,000 | $128,000 |
| Collateral | 4 | $637,000 | $159,000 | $290,000 | $79,000 | $152,000 |
| Employment History | 1 | $214,000 | $214,000 | $214,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cambria Financial Group's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cambria Financial Group's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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