Endura Financial F. C. U. Mortgage Lending & HMDA Data, 2004
In 2004, Endura Financial F. C. U. of Minneapolis, MN reported 818 mortgage applications totaling $62.7 million, down 23% from 2003. The average application was for $76,592, and applicants reported an average income of $66,993. 75% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (682), Kansas City, MO-KS (29) and Phoenix-Mesa-Scottsdale, AZ (11) (applications in parentheses).
| 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 | 818 |
| Total Mortgage Loan Application Amount | $62,653,000 |
| Average Mortgage Loan Application Amount | $76,592 |
| Highest Mortgage Loan Application Amount | $598,000 |
| Average Applicant Income | $66,993 |
| Highest Applicant Income | $330,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Endura Financial F. C. U. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 682 | $ 47,734,000 | $ 69,991 | $ 69,000 |
| Kansas City, MO-KS | 29 | $ 1,758,000 | $ 60,620 | $ 73,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 956,000 | $ 86,909 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 529,000 | $ 105,800 | $ 71,000 |
| Santa Fe, NM | 2 | $ 78,000 | $ 39,000 | $ 45,000 |
| St. Cloud, MN | 2 | $ 158,000 | $ 79,000 | $ 50,000 |
| Baltimore-Towson, MD | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Bellingham, WA | 1 | $ 334,000 | $ 334,000 | $ 177,000 |
| Charleston-North Charleston, SC | 1 | $ 137,000 | $ 137,000 | $ 38,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Dallas-Plano-Irving, TX | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Duluth, MN-WI | 1 | $ 47,000 | $ 47,000 | $ 64,000 |
| Naples-Marco Island, FL | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Prescott, AZ | 1 | $ 64,000 | $ 64,000 | $ 170,000 |
| Rochester, MN | 1 | $ 30,000 | $ 30,000 | $ 62,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| Spokane, WA | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| St. Joseph, MO-KS | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Tucson, AZ | 1 | $ 3,000 | $ 3,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Endura Financial F. C. U. in 2004
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 | 430 | $37,065,000 | $135,833 | $598,000 | $65,666 | $282,000 |
| Home Improvement | 286 | $10,082,000 | $29,125 | $189,000 | $69,000 | $330,000 |
| Home Purchase | 102 | $15,506,000 | $159,666 | $450,000 | $79,111 | $242,000 |
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 | 584 | $42,046,000 | $132,600 | $452,000 | $85,900 | $324,000 |
| Not Provided | 151 | $14,111,000 | $108,692 | $598,000 | $67,384 | $330,000 |
| Black or African American | 36 | $2,939,000 | $61,000 | $200,000 | $62,000 | $166,000 |
| Asian | 23 | $2,034,000 | $65,000 | $340,000 | $56,000 | $135,000 |
| Hispanic | 17 | $918,000 | $101,000 | $220,000 | $57,333 | $171,000 |
| Not applicable | 4 | $509,000 | $127,000 | $156,000 | $85,000 | $118,000 |
| American Indian or Alaskan Native | 2 | $69,000 | $34,500 | $39,000 | $56,500 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $27,000 | $27,000 | $27,000 | $30,000 | $30,000 |
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) | 817 | $62,628,000 | $125,500 | $598,000 | $71,166 | $330,000 |
| FHA-insured (Federal Housing Administration) | 1 | $25,000 | $25,000 | $25,000 | $120,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 614 | $31,329,000 | $46,000 | $450,000 | $73,444 | $330,000 |
| Application Withdrawn By Applicant | 120 | $16,786,000 | $112,636 | $364,000 | $56,363 | $177,000 |
| Application Denied By Financial Institution | 78 | $13,821,000 | $265,142 | $598,000 | $108,571 | $242,000 |
| Loan Purchased By The Institution | 5 | $564,000 | $112,000 | $156,000 | $83,000 | $118,000 |
| Application Approved But Not Accepted | 1 | $153,000 | $153,000 | $153,000 | $64,000 | $64,000 |
| File Closed For Incompleteness | 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 | 48 | $8,062,000 | $188,000 | $355,000 | $78,333 | $147,000 |
| Other | 8 | $1,357,000 | $184,750 | $300,000 | $103,250 | $242,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,019,000 | $169,000 | $220,000 | $55,000 | $76,000 |
| Debt-To-Income Ratio | 6 | $1,386,000 | $190,500 | $452,000 | $61,000 | $156,000 |
| Collateral | 6 | $1,019,000 | $259,500 | $395,000 | $96,000 | $130,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Endura Financial F. C. U.'s 2004 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.
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