Endura Financial F. C. U.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Endura Financial F. C. U. 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Endura Financial F. C. U. 820 N Lilac Minneapolis, MN 55422 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 888 |
| Total Mortgage Loan Application Amount | $123,825,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $546,000 |
| Average Applicant Income | $107,666 |
| Highest Applicant Income | $828,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Endura Financial F. C. U.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Endura Financial F. C. U.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Endura Financial F. C. U.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Endura Financial F. C. U. serves its applicants.
Each category highlights the total number of mortgage applications processed by Endura Financial F. C. U., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Endura Financial F. C. U.'s mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin County Minnesota | 396 | $ 61,446,000 | $ 155,000 | $ 114,000 |
| Anoka County Minnesota | 131 | $ 14,438,000 | $ 110,000 | $ 101,000 |
| Ramsey County Minnesota | 56 | $ 8,010,000 | $ 143,000 | $ 102,000 |
| Dakota County Minnesota | 43 | $ 5,813,000 | $ 135,000 | $ 107,000 |
| Wright County Minnesota | 32 | $ 4,263,000 | $ 133,000 | $ 82,000 |
| Washington County Minnesota | 29 | $ 4,477,000 | $ 154,000 | $ 103,000 |
| Carver County Minnesota | 28 | $ 5,122,000 | $ 182,000 | $ 139,000 |
| Sherburne County Minnesota | 22 | $ 2,311,000 | $ 105,000 | $ 114,000 |
| Scott County Minnesota | 20 | $ 2,873,000 | $ 143,000 | $ 116,000 |
| Douglas County Minnesota | 8 | $ 735,000 | $ 91,000 | $ 148,000 |
| Isanti County Minnesota | 8 | $ 785,000 | $ 98,000 | $ 116,000 |
| Jackson County Missouri | 8 | $ 332,000 | $ 41,000 | $ 92,000 |
| Cass County Minnesota | 6 | $ 1,216,000 | $ 202,000 | $ 80,000 |
| Maricopa County Arizona | 5 | $ 526,000 | $ 105,000 | $ 79,000 |
| Chisago County Minnesota | 5 | $ 594,000 | $ 118,000 | $ 100,000 |
| Cass County Missouri | 5 | $ 457,000 | $ 91,000 | $ 94,000 |
| Johnson County Kansas | 4 | $ 403,000 | $ 100,000 | $ 148,000 |
| Aitkin County Minnesota | 4 | $ 318,000 | $ 79,000 | $ 78,000 |
| Mille Lacs County Minnesota | 4 | $ 378,000 | $ 94,000 | $ 68,000 |
| Bernalillo County New Mexico | 4 | $ 473,000 | $ 118,000 | $ 78,000 |
| St. Croix County Wisconsin | 4 | $ 535,000 | $ 133,000 | $ 134,000 |
| Cook County Illinois | 3 | $ 275,000 | $ 91,000 | $ 118,000 |
| St. Louis County Minnesota | 3 | $ 200,000 | $ 66,000 | $ 84,000 |
| Stearns County Minnesota | 3 | $ 524,000 | $ 174,000 | $ 115,000 |
| Burnett County Wisconsin | 3 | $ 489,000 | $ 163,000 | $ 174,000 |
| Mohave County Arizona | 2 | $ 126,000 | $ 63,000 | $ 82,000 |
| Pima County Arizona | 2 | $ 197,000 | $ 98,000 | $ 92,000 |
| Butte County California | 2 | $ 130,000 | $ 65,000 | $ 113,000 |
| Cobb County Georgia | 2 | $ 435,000 | $ 217,000 | $ 155,000 |
| Sedgwick County Kansas | 2 | $ 216,000 | $ 108,000 | $ 109,000 |
| Crow Wing County Minnesota | 2 | $ 248,000 | $ 124,000 | $ 120,000 |
| Otter Tail County Minnesota | 2 | $ 216,000 | $ 108,000 | $ 100,000 |
| King County Washington | 2 | $ 364,000 | $ 182,000 | $ 90,000 |
| Washburn County Wisconsin | 2 | $ 237,000 | $ 118,000 | $ 144,000 |
| District of Columbia County District Of Columbia | 1 | $ 359,000 | $ 359,000 | $ 112,000 |
| Collier County Florida | 1 | $ 200,000 | $ 200,000 | $ 160,000 |
| Lee County Florida | 1 | $ 171,000 | $ 171,000 | $ 111,000 |
| Okeechobee County Florida | 1 | $ 127,000 | $ 127,000 | $ 112,000 |
| Orange County Florida | 1 | $ 283,000 | $ 283,000 | $ 74,000 |
| Santa Rosa County Florida | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Fulton County Georgia | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Kane County Illinois | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Lake County Illinois | 1 | $ 5,000 | $ 5,000 | $ 105,000 |
| Will County Illinois | 1 | $ 160,000 | $ 160,000 | $ 156,000 |
| Lyon County Iowa | 1 | $ 90,000 | $ 90,000 | $ 77,000 |
| Douglas County Kansas | 1 | $ 8,000 | $ 8,000 | $ 90,000 |
| Ascension County Louisiana | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Oxford County Maine | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Goodhue County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 82,000 |
| Kanabec County Minnesota | 1 | $ 14,000 | $ 14,000 | $ 56,000 |
| Lake County Minnesota | 1 | $ 241,000 | $ 241,000 | $ 102,000 |
| Le Sueur County Minnesota | 1 | $ 16,000 | $ 16,000 | $ 50,000 |
| McLeod County Minnesota | 1 | $ 37,000 | $ 37,000 | $ 65,000 |
| Olmsted County Minnesota | 1 | $ 141,000 | $ 141,000 | $ 132,000 |
| Pine County Minnesota | 1 | $ 111,000 | $ 111,000 | $ 99,000 |
| Pope County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Steele County Minnesota | 1 | $ 56,000 | $ 56,000 | $ 54,000 |
| Todd County Minnesota | 1 | $ 207,000 | $ 207,000 | $ 66,000 |
| Waseca County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Johnson County Missouri | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| Middlesex County New Jersey | 1 | $ 416,000 | $ 416,000 | $ 100,000 |
| Sandoval County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Rutherford County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 60,000 |
| Lorain County Ohio | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Snohomish County Washington | 1 | $ 276,000 | $ 276,000 | $ 171,000 |
| Bayfield County Wisconsin | 1 | $ 188,000 | $ 188,000 | $ 100,000 |
| Vernon County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 121,000 |
| Vilas County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 232,000 |
Mortgage Loan Application Detail Totals for Endura Financial F. C. U. in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 788 | $111,777,000 | $141,000 | $546,000 | $109,000 | $828,000 |
| Home Improvement | 50 | $3,459,000 | $69,000 | $455,000 | $110,000 | $360,000 |
| Home Purchase | 50 | $8,589,000 | $171,000 | $416,000 | $104,000 | $371,000 |
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 | 753 | $102,654,000 | $136,000 | $546,000 | $110,000 | $828,000 |
| Not Provided | 66 | $13,358,000 | $202,000 | $416,000 | $115,000 | $392,000 |
| Asian | 34 | $4,145,000 | $121,000 | $391,000 | $97,000 | $175,000 |
| Black or African American | 18 | $1,827,000 | $101,000 | $304,000 | $78,000 | $204,000 |
| Hispanic | 13 | $1,422,000 | $109,000 | $242,000 | $100,000 | $268,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $330,000 | $110,000 | $175,000 | $128,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $89,000 | $89,000 | $89,000 | $104,000 | $104,000 |
| Not applicable | 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) | 871 | $120,213,000 | $138,000 | $546,000 | $109,000 | $828,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,998,000 | $199,000 | $371,000 | $79,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $389,000 | $389,000 | $389,000 | $247,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 1 | $225,000 | $225,000 | $225,000 | $90,000 | $90,000 |
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 | 512 | $69,591,000 | $135,000 | $546,000 | $113,000 | $408,000 |
| File Closed For Incompleteness | 154 | $30,346,000 | $197,000 | $416,000 | $105,000 | $408,000 |
| Application Withdrawn By Applicant | 98 | $8,321,000 | $84,000 | $259,000 | $103,000 | $305,000 |
| Application Denied By Financial Institution | 63 | $8,118,000 | $128,000 | $455,000 | $84,000 | $285,000 |
| Application Approved But Not Accepted | 61 | $7,449,000 | $122,000 | $417,000 | $121,000 | $828,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 21 | $2,724,000 | $129,000 | $323,000 | $79,000 | $143,000 |
| Other | 18 | $2,066,000 | $114,000 | $455,000 | $94,000 | $285,000 |
| Collateral | 10 | $802,000 | $80,000 | $225,000 | $90,000 | $143,000 |
| Debt-To-Income Ratio | 7 | $1,255,000 | $179,000 | $304,000 | $87,000 | $204,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $37,000 | $37,000 |
| Unverifiable Information | 1 | $150,000 | $150,000 | $150,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Endura Financial F. C. U.'s 2012 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 Endura Financial F. C. U.'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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.