Mill City Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Mill City Credit Union 2003 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 | Mill City Credit Union 9999 Wayzata Boulevard Minnetonka, MN 55305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 868 |
| Total Mortgage Loan Application Amount | $140,737,000 |
| Average Mortgage Loan Application Amount | $161,953 |
| Highest Mortgage Loan Application Amount | $918,000 |
| Average Applicant Income | $70,923 |
| Highest Applicant Income | $448,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Mill City Credit Union. 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 Mill City Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Mill City Credit Union'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 Mill City Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Mill City Credit Union, 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 Mill City Credit Union's mortgage activity for 2003.
| 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 | 327 | $ 58,194,000 | $ 177,000 | $ 76,000 |
| Anoka County Minnesota | 38 | $ 5,637,000 | $ 148,000 | $ 71,000 |
| Linn County Iowa | 32 | $ 3,964,000 | $ 123,000 | $ 78,000 |
| Miami-Dade County Florida | 26 | $ 3,546,000 | $ 136,000 | $ 69,000 |
| Dakota County Minnesota | 23 | $ 4,276,000 | $ 185,000 | $ 77,000 |
| Ramsey County Minnesota | 22 | $ 3,269,000 | $ 148,000 | $ 69,000 |
| Carver County Minnesota | 18 | $ 3,486,000 | $ 193,000 | $ 79,000 |
| Wright County Minnesota | 16 | $ 2,397,000 | $ 149,000 | $ 84,000 |
| Maricopa County Arizona | 13 | $ 2,188,000 | $ 168,000 | $ 54,000 |
| Scott County Minnesota | 12 | $ 2,247,000 | $ 187,000 | $ 76,000 |
| Rockdale County Georgia | 9 | $ 1,299,000 | $ 144,000 | $ 98,000 |
| Sherburne County Minnesota | 9 | $ 1,523,000 | $ 169,000 | $ 85,000 |
| Marion County Missouri | 9 | $ 752,000 | $ 83,000 | $ 37,000 |
| Erie County New York | 9 | $ 915,000 | $ 101,000 | $ 69,000 |
| Winnebago County Illinois | 8 | $ 738,000 | $ 92,000 | $ 54,000 |
| Osceola County Michigan | 8 | $ 746,000 | $ 93,000 | $ 48,000 |
| Bernalillo County New Mexico | 8 | $ 1,028,000 | $ 128,000 | $ 80,000 |
| Los Angeles County California | 7 | $ 1,839,000 | $ 262,000 | $ 85,000 |
| Kane County Illinois | 7 | $ 1,186,000 | $ 169,000 | $ 67,000 |
| Johnson County Iowa | 7 | $ 830,000 | $ 118,000 | $ 53,000 |
| Washington County Minnesota | 7 | $ 1,198,000 | $ 171,000 | $ 79,000 |
| Hamilton County Ohio | 7 | $ 740,000 | $ 105,000 | $ 78,000 |
| Newton County Georgia | 6 | $ 699,000 | $ 116,000 | $ 69,000 |
| DuPage County Illinois | 6 | $ 801,000 | $ 133,000 | $ 80,000 |
| Benton County Iowa | 6 | $ 822,000 | $ 137,000 | $ 72,000 |
| Mecosta County Michigan | 6 | $ 584,000 | $ 97,000 | $ 40,000 |
| Rutherford County Tennessee | 6 | $ 741,000 | $ 123,000 | $ 45,000 |
| Boone County Illinois | 5 | $ 485,000 | $ 97,000 | $ 38,000 |
| Cook County Illinois | 5 | $ 964,000 | $ 192,000 | $ 80,000 |
| Essex County Massachusetts | 5 | $ 1,006,000 | $ 201,000 | $ 67,000 |
| Harris County Texas | 5 | $ 789,000 | $ 157,000 | $ 78,000 |
| Jones County Iowa | 4 | $ 527,000 | $ 131,000 | $ 88,000 |
| McLeod County Minnesota | 4 | $ 371,000 | $ 92,000 | $ 72,000 |
| Rockingham County New Hampshire | 4 | $ 661,000 | $ 165,000 | $ 54,000 |
| Montgomery County Pennsylvania | 4 | $ 763,000 | $ 190,000 | $ 77,000 |
| DeKalb County Georgia | 3 | $ 1,247,000 | $ 415,000 | $ 64,000 |
| Suffolk County Massachusetts | 3 | $ 609,000 | $ 203,000 | $ 79,000 |
| Ralls County Missouri | 3 | $ 328,000 | $ 109,000 | $ 55,000 |
| Cascade County Montana | 3 | $ 297,000 | $ 99,000 | $ 44,000 |
| Sandoval County New Mexico | 3 | $ 499,000 | $ 166,000 | $ 66,000 |
| Butler County Ohio | 3 | $ 802,000 | $ 267,000 | $ 91,000 |
| Bucks County Pennsylvania | 3 | $ 745,000 | $ 248,000 | $ 67,000 |
| Benton County Arkansas | 2 | $ 429,000 | $ 214,000 | $ 91,000 |
| Orange County California | 2 | $ 457,000 | $ 228,000 | $ 74,000 |
| Riverside County California | 2 | $ 420,000 | $ 210,000 | $ 102,000 |
| Sacramento County California | 2 | $ 322,000 | $ 161,000 | $ 60,000 |
| San Diego County California | 2 | $ 430,000 | $ 215,000 | $ 115,000 |
| San Joaquin County California | 2 | $ 386,000 | $ 193,000 | $ 69,000 |
| Broward County Florida | 2 | $ 497,000 | $ 248,000 | $ 117,000 |
| Forsyth County Georgia | 2 | $ 285,000 | $ 142,000 | $ 54,000 |
| Gwinnett County Georgia | 2 | $ 213,000 | $ 106,000 | $ 71,000 |
| Walton County Georgia | 2 | $ 282,000 | $ 141,000 | $ 55,000 |
| Adams County Illinois | 2 | $ 133,000 | $ 66,000 | $ 45,000 |
| Floyd County Indiana | 2 | $ 448,000 | $ 224,000 | $ 83,000 |
| Muscatine County Iowa | 2 | $ 220,000 | $ 110,000 | $ 45,000 |
| Polk County Iowa | 2 | $ 236,000 | $ 118,000 | $ 63,000 |
| Warren County Iowa | 2 | $ 165,000 | $ 82,000 | $ 42,000 |
| Johnson County Kansas | 2 | $ 350,000 | $ 175,000 | $ 67,000 |
| Bristol County Massachusetts | 2 | $ 415,000 | $ 207,000 | $ 79,000 |
| Middlesex County Massachusetts | 2 | $ 488,000 | $ 244,000 | $ 82,000 |
| Wayne County Michigan | 2 | $ 237,000 | $ 118,000 | $ 66,000 |
| Wexford County Michigan | 2 | $ 233,000 | $ 116,000 | $ 48,000 |
| Isanti County Minnesota | 2 | $ 234,000 | $ 117,000 | $ 37,000 |
| Le Sueur County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 72,000 |
| Jasper County Missouri | 2 | $ 145,000 | $ 72,000 | $ 43,000 |
| Newton County Missouri | 2 | $ 124,000 | $ 62,000 | $ 35,000 |
| Bergen County New Jersey | 2 | $ 513,000 | $ 256,000 | $ 21,000 |
| New York County New York | 2 | $ 523,000 | $ 261,000 | $ 159,000 |
| Niagara County New York | 2 | $ 265,000 | $ 132,000 | $ 86,000 |
| Jackson County Ohio | 2 | $ 151,000 | $ 75,000 | $ 62,000 |
| Craig County Oklahoma | 2 | $ 105,000 | $ 52,000 | $ 63,000 |
| Clackamas County Oregon | 2 | $ 455,000 | $ 227,000 | $ 105,000 |
| Carbon County Pennsylvania | 2 | $ 195,000 | $ 97,000 | $ 54,000 |
| Milwaukee County Wisconsin | 2 | $ 142,000 | $ 71,000 | $ 68,000 |
| Washington County Arkansas | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Calaveras County California | 1 | $ 176,000 | $ 176,000 | $ 101,000 |
| Glenn County California | 1 | $ 312,000 | $ 312,000 | $ 250,000 |
| Santa Clara County California | 1 | $ 299,000 | $ 299,000 | $ 95,000 |
| Stanislaus County California | 1 | $ 110,000 | $ 110,000 | $ 70,000 |
| Tulare County California | 1 | $ 82,000 | $ 82,000 | $ 88,000 |
| Ventura County California | 1 | $ 244,000 | $ 244,000 | $ 84,000 |
| San Miguel County Colorado | 1 | $ 127,000 | $ 127,000 | $ 72,000 |
| Marion County Florida | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Martin County Florida | 1 | $ 114,000 | $ 114,000 | $ 448,000 |
| Monroe County Florida | 1 | $ 83,000 | $ 83,000 | $ 12,000 |
| Orange County Florida | 1 | $ 165,000 | $ 165,000 | $ 167,000 |
| Pasco County Florida | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Pinellas County Florida | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
| Cobb County Georgia | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
| Hall County Georgia | 1 | $ 126,000 | $ 126,000 | $ 77,000 |
| Jasper County Georgia | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
| Ada County Idaho | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
| Bingham County Idaho | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Gooding County Idaho | 1 | $ 92,000 | $ 92,000 | $ 28,000 |
| DeKalb County Illinois | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Lee County Illinois | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
| Buchanan County Iowa | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Fayette County Iowa | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Jasper County Iowa | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Louisa County Iowa | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
| Story County Iowa | 1 | $ 78,000 | $ 78,000 | $ 81,000 |
| Washington County Iowa | 1 | $ 147,000 | $ 147,000 | $ 49,000 |
| Cherokee County Kansas | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Ellis County Kansas | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Campbell County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Jefferson County Kentucky | 1 | $ 118,000 | $ 118,000 | $ 51,000 |
| Penobscot County Maine | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
| Allegan County Michigan | 1 | $ 146,000 | $ 146,000 | $ 42,000 |
| Clare County Michigan | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Ingham County Michigan | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
| Lake County Michigan | 1 | $ 104,000 | $ 104,000 | $ 70,000 |
| Washtenaw County Michigan | 1 | $ 323,000 | $ 323,000 | $ 133,000 |
| Aitkin County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Benton County Minnesota | 1 | $ 126,000 | $ 126,000 | $ 42,000 |
| Brown County Minnesota | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
| Cook County Minnesota | 1 | $ 320,000 | $ 320,000 | $ 163,000 |
| Kanabec County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Lyon County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Mille Lacs County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
| St. Louis County Minnesota | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Monroe County Missouri | 1 | $ 78,000 | $ 78,000 | $ 61,000 |
| Phelps County Missouri | 1 | $ 184,000 | $ 184,000 | $ 143,000 |
| Pondera County Montana | 1 | $ 73,000 | $ 73,000 | $ 51,000 |
| Teton County Montana | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Belknap County New Hampshire | 1 | $ 158,000 | $ 158,000 | $ 42,000 |
| Hillsborough County New Hampshire | 1 | $ 256,000 | $ 256,000 | $ 82,000 |
| Burlington County New Jersey | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Cape May County New Jersey | 1 | $ 182,000 | $ 182,000 | $ 65,000 |
| Cumberland County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Essex County New Jersey | 1 | $ 230,000 | $ 230,000 | $ 229,000 |
| Gloucester County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Mercer County New Jersey | 1 | $ 260,000 | $ 260,000 | $ 115,000 |
| Morris County New Jersey | 1 | $ 199,000 | $ 199,000 | $ 101,000 |
| Union County New Jersey | 1 | $ 142,000 | $ 142,000 | $ 35,000 |
| Valencia County New Mexico | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
| Guilford County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Ward County North Dakota | 1 | $ 133,000 | $ 133,000 | $ 80,000 |
| Cuyahoga County Ohio | 1 | $ 300,000 | $ 300,000 | $ 232,000 |
| Delaware County Ohio | 1 | $ 162,000 | $ 162,000 | $ 74,000 |
| Franklin County Ohio | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
| Gallia County Ohio | 1 | $ 119,000 | $ 119,000 | $ 75,000 |
| Lucas County Ohio | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Marion County Ohio | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Warren County Ohio | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Delaware County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Payne County Oklahoma | 1 | $ 134,000 | $ 134,000 | $ 65,000 |
| Jackson County Oregon | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| Butler County Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 79,000 |
| Chester County Pennsylvania | 1 | $ 754,000 | $ 754,000 | $ 340,000 |
| Delaware County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Schuylkill County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Aiken County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Madison County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Washington County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 52,000 |
| Dallas County Texas | 1 | $ 323,000 | $ 323,000 | $ 120,000 |
| Denton County Texas | 1 | $ 129,000 | $ 129,000 | $ 99,000 |
| Davis County Utah | 1 | $ 130,000 | $ 130,000 | $ 93,000 |
| Salt Lake County Utah | 1 | $ 323,000 | $ 323,000 | $ 60,000 |
| Hampton County Virginia | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Powhatan County Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Prince William County Virginia | 1 | $ 291,000 | $ 291,000 | $ 81,000 |
| King County Washington | 1 | $ 295,000 | $ 295,000 | $ 112,000 |
| Dane County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Marathon County Wisconsin | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Polk County Wisconsin | 1 | $ 144,000 | $ 144,000 | $ 35,000 |
| Portage County Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| St. Croix County Wisconsin | 1 | $ 322,000 | $ 322,000 | $ 96,000 |
| Waukesha County Wisconsin | 1 | $ 197,000 | $ 197,000 | $ 90,000 |
| Teton County Wyoming | 1 | $ 390,000 | $ 390,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Mill City Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 576 | $88,748,000 | $159,437 | $918,000 | $76,031 | $448,000 |
| Home Purchase (one-to-four family) | 290 | $51,776,000 | $166,218 | $550,000 | $66,625 | $280,000 |
| Home Improvement (one-to-four family) | 2 | $213,000 | $106,000 | $126,000 | $45,000 | $48,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 543 | $85,876,000 | $163,437 | $550,000 | $76,343 | $448,000 |
| Information not provided by applicant in mail or telephone application | 218 | $38,047,000 | $172,074 | $918,000 | $72,407 | $340,000 |
| Hispanic | 42 | $7,193,000 | $169,076 | $345,000 | $67,615 | $250,000 |
| Black | 33 | $4,746,000 | $140,153 | $310,000 | $61,384 | $222,000 |
| Asian or Pacific Islander | 16 | $2,683,000 | $200,250 | $301,000 | $84,000 | $157,000 |
| Other | 15 | $2,162,000 | $132,750 | $258,000 | $65,125 | $177,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $32,000 | $32,000 |
| 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) | 868 | $140,737,000 | $164,833 | $918,000 | $72,388 | $448,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 405 | $65,581,000 | $164,366 | $918,000 | $75,100 | $284,000 |
| Application Withdrawn By Applicant | 327 | $52,494,000 | $157,448 | $550,000 | $69,000 | $234,000 |
| Loan Originated | 79 | $15,065,000 | $175,117 | $800,000 | $92,176 | $448,000 |
| Application Denied By Financial Institution | 57 | $7,597,000 | $123,272 | $323,000 | $54,727 | $192,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 38 | $4,958,000 | $129,666 | $323,000 | $55,200 | $192,000 |
| Debt-To-Income Ratio | 12 | $1,710,000 | $105,285 | $264,000 | $45,285 | $88,000 |
| Collateral | 3 | $194,000 | $64,666 | $122,000 | $49,666 | $85,000 |
| Other | 3 | $580,000 | $193,333 | $280,000 | $70,333 | $95,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Mill City Credit Union's 2003 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 Mill City Credit Union'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.