Mill City Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Mill City Credit Union 2007 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 | 496 |
| Total Mortgage Loan Application Amount | $65,123,000 |
| Average Mortgage Loan Application Amount | $122,333 |
| Highest Mortgage Loan Application Amount | $1,044,000 |
| Average Applicant Income | $103,666 |
| Highest Applicant Income | $538,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 149 | $ 19,719,000 | $ 132,000 | $ 122,000 |
| Anoka County Minnesota | 25 | $ 1,991,000 | $ 79,000 | $ 102,000 |
| Miami-Dade County Florida | 20 | $ 3,870,000 | $ 193,000 | $ 149,000 |
| Linn County Iowa | 13 | $ 690,000 | $ 53,000 | $ 80,000 |
| Wright County Minnesota | 12 | $ 875,000 | $ 72,000 | $ 107,000 |
| Carver County Minnesota | 11 | $ 2,095,000 | $ 190,000 | $ 124,000 |
| Dakota County Minnesota | 10 | $ 666,000 | $ 66,000 | $ 83,000 |
| Ramsey County Minnesota | 10 | $ 874,000 | $ 87,000 | $ 91,000 |
| Maricopa County Arizona | 9 | $ 1,703,000 | $ 189,000 | $ 88,000 |
| Boone County Illinois | 8 | $ 481,000 | $ 60,000 | $ 53,000 |
| Scott County Minnesota | 8 | $ 1,162,000 | $ 145,000 | $ 112,000 |
| Bernalillo County New Mexico | 8 | $ 783,000 | $ 97,000 | $ 105,000 |
| Rutherford County Tennessee | 7 | $ 1,468,000 | $ 209,000 | $ 77,000 |
| Winnebago County Illinois | 6 | $ 528,000 | $ 88,000 | $ 78,000 |
| Mecosta County Michigan | 5 | $ 798,000 | $ 159,000 | $ 70,000 |
| Washington County Arkansas | 4 | $ 787,000 | $ 196,000 | $ 92,000 |
| Los Angeles County California | 4 | $ 1,059,000 | $ 264,000 | $ 64,000 |
| Kane County Illinois | 4 | $ 754,000 | $ 188,000 | $ 66,000 |
| Johnson County Iowa | 4 | $ 478,000 | $ 119,000 | $ 99,000 |
| Osceola County Michigan | 4 | $ 522,000 | $ 130,000 | $ 57,000 |
| Sherburne County Minnesota | 4 | $ 151,000 | $ 37,000 | $ 117,000 |
| Orange County California | 3 | $ 1,185,000 | $ 395,000 | $ 219,000 |
| Broward County Florida | 3 | $ 903,000 | $ 301,000 | $ 98,000 |
| Adams County Illinois | 3 | $ 245,000 | $ 81,000 | $ 75,000 |
| Johnson County Kansas | 3 | $ 217,000 | $ 72,000 | $ 96,000 |
| Suffolk County Massachusetts | 3 | $ 898,000 | $ 299,000 | $ 71,000 |
| Jasper County Missouri | 3 | $ 258,000 | $ 86,000 | $ 60,000 |
| Marion County Missouri | 3 | $ 208,000 | $ 69,000 | $ 54,000 |
| Erie County New York | 3 | $ 286,000 | $ 95,000 | $ 144,000 |
| Lake County Florida | 2 | $ 125,000 | $ 62,000 | $ 77,000 |
| Gwinnett County Georgia | 2 | $ 220,000 | $ 110,000 | $ 80,000 |
| Newton County Georgia | 2 | $ 314,000 | $ 157,000 | $ 118,000 |
| Cook County Illinois | 2 | $ 325,000 | $ 162,000 | $ 138,000 |
| Iowa County Iowa | 2 | $ 127,000 | $ 63,000 | $ 99,000 |
| Polk County Iowa | 2 | $ 202,000 | $ 101,000 | $ 98,000 |
| Middlesex County Massachusetts | 2 | $ 657,000 | $ 328,000 | $ 78,000 |
| Chisago County Minnesota | 2 | $ 388,000 | $ 194,000 | $ 94,000 |
| Cascade County Montana | 2 | $ 212,000 | $ 106,000 | $ 55,000 |
| Valencia County New Mexico | 2 | $ 104,000 | $ 52,000 | $ 61,000 |
| Delaware County Ohio | 2 | $ 270,000 | $ 135,000 | $ 120,000 |
| Bucks County Pennsylvania | 2 | $ 77,000 | $ 38,000 | $ 142,000 |
| Luzerne County Pennsylvania | 2 | $ 162,000 | $ 81,000 | $ 63,000 |
| Philadelphia County Pennsylvania | 2 | $ 453,000 | $ 226,000 | $ 66,000 |
| Roberts County South Dakota | 2 | $ 221,000 | $ 110,000 | $ 118,000 |
| Milwaukee County Wisconsin | 2 | $ 369,000 | $ 184,000 | $ 90,000 |
| Racine County Wisconsin | 2 | $ 315,000 | $ 157,000 | $ 56,000 |
| St. Croix County Wisconsin | 2 | $ 335,000 | $ 167,000 | $ 111,000 |
| Sacramento County California | 1 | $ 314,000 | $ 314,000 | $ 116,000 |
| Solano County California | 1 | $ 50,000 | $ 50,000 | $ 99,000 |
| Stanislaus County California | 1 | $ 230,000 | $ 230,000 | $ 74,000 |
| Douglas County Colorado | 1 | $ 51,000 | $ 51,000 | $ 122,000 |
| Gunnison County Colorado | 1 | $ 50,000 | $ 50,000 | $ 147,000 |
| Manatee County Florida | 1 | $ 136,000 | $ 136,000 | $ 49,000 |
| Osceola County Florida | 1 | $ 61,000 | $ 61,000 | $ 108,000 |
| Palm Beach County Florida | 1 | $ 290,000 | $ 290,000 | $ 135,000 |
| Polk County Florida | 1 | $ 392,000 | $ 392,000 | $ 197,000 |
| Bryan County Georgia | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| DeKalb County Georgia | 1 | $ 100,000 | $ 100,000 | $ 103,000 |
| Fulton County Georgia | 1 | $ 238,000 | $ 238,000 | $ 58,000 |
| Morgan County Georgia | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| Rockdale County Georgia | 1 | $ 270,000 | $ 270,000 | $ 90,000 |
| Walton County Georgia | 1 | $ 234,000 | $ 234,000 | $ 128,000 |
| DuPage County Illinois | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Ogle County Illinois | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Peoria County Illinois | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Vermilion County Illinois | 1 | $ 21,000 | $ 21,000 | $ 97,000 |
| Whiteside County Illinois | 1 | $ 54,000 | $ 54,000 | $ 28,000 |
| Buchanan County Iowa | 1 | $ 52,000 | $ 52,000 | $ 93,000 |
| Jones County Iowa | 1 | $ 23,000 | $ 23,000 | $ 109,000 |
| Tama County Iowa | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Warren County Iowa | 1 | $ 8,000 | $ 8,000 | $ 62,000 |
| Orleans County Louisiana | 1 | $ 56,000 | $ 56,000 | $ 12,000 |
| Androscoggin County Maine | 1 | $ 179,000 | $ 179,000 | $ 98,000 |
| Baltimore County Maryland | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Norfolk County Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 93,000 |
| Beltrami County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 59,000 |
| Cass County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| Isanti County Minnesota | 1 | $ 198,000 | $ 198,000 | $ 72,000 |
| Le Sueur County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 80,000 |
| Sibley County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 106,000 |
| St. Louis County Minnesota | 1 | $ 108,000 | $ 108,000 | $ 74,000 |
| Stearns County Minnesota | 1 | $ 204,000 | $ 204,000 | $ 63,000 |
| Todd County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 130,000 |
| Wadena County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Clay County Missouri | 1 | $ 147,000 | $ 147,000 | $ 60,000 |
| Lincoln County Missouri | 1 | $ 196,000 | $ 196,000 | $ 78,000 |
| McDonald County Missouri | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Newton County Missouri | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
| St. Louis County Missouri | 1 | $ 168,000 | $ 168,000 | $ 300,000 |
| Douglas County Nebraska | 1 | $ 118,000 | $ 118,000 | $ 175,000 |
| Rockingham County New Hampshire | 1 | $ 70,000 | $ 70,000 | $ 88,000 |
| Cumberland County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Gloucester County New Jersey | 1 | $ 170,000 | $ 170,000 | $ 53,000 |
| Morris County New Jersey | 1 | $ 546,000 | $ 546,000 | $ 239,000 |
| Sandoval County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Santa Fe County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 155,000 |
| Niagara County New York | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| Guilford County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 98,000 |
| Wake County North Carolina | 1 | $ 281,000 | $ 281,000 | $ 97,000 |
| Burleigh County North Dakota | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Cass County North Dakota | 1 | $ 63,000 | $ 63,000 | $ 205,000 |
| Athens County Ohio | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| Butler County Ohio | 1 | $ 253,000 | $ 253,000 | $ 59,000 |
| Clermont County Ohio | 1 | $ 53,000 | $ 53,000 | $ 78,000 |
| Hamilton County Ohio | 1 | $ 154,000 | $ 154,000 | $ 59,000 |
| Jackson County Ohio | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Morrow County Ohio | 1 | $ 160,000 | $ 160,000 | $ 76,000 |
| Ottawa County Oklahoma | 1 | $ 84,000 | $ 84,000 | $ 55,000 |
| Rogers County Oklahoma | 1 | $ 124,000 | $ 124,000 | $ 55,000 |
| Tulsa County Oklahoma | 1 | $ 323,000 | $ 323,000 | $ 87,000 |
| Allegheny County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 59,000 |
| Montgomery County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Spartanburg County South Carolina | 1 | $ 216,000 | $ 216,000 | $ 68,000 |
| Washington County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Dallas County Texas | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Burnett County Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 69,000 |
| Oneida County Wisconsin | 1 | $ 21,000 | $ 21,000 | $ 65,000 |
| Walworth County Wisconsin | 1 | $ 211,000 | $ 211,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Mill City Credit Union in 2007
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 | 206 | $25,347,000 | $123,000 | $1,044,000 | $105,000 | $538,000 |
| Home Purchase | 173 | $34,351,000 | $198,000 | $920,000 | $86,000 | $465,000 |
| Home Improvement | 117 | $5,425,000 | $46,000 | $240,000 | $120,000 | $508,000 |
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 | 236 | $30,591,000 | $129,000 | $450,000 | $94,000 | $508,000 |
| Not Provided | 195 | $22,808,000 | $116,000 | $1,044,000 | $112,000 | $538,000 |
| Hispanic | 33 | $6,203,000 | $187,000 | $920,000 | $90,000 | $241,000 |
| Black or African American | 21 | $3,326,000 | $158,000 | $330,000 | $108,000 | $465,000 |
| Asian | 9 | $1,915,000 | $212,000 | $417,000 | $116,000 | $215,000 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $180,000 | $65,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 496 | $65,123,000 | $131,000 | $1,044,000 | $102,000 | $538,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 333 | $32,199,000 | $96,000 | $840,000 | $110,000 | $538,000 |
| Application Denied By Financial Institution | 50 | $8,297,000 | $165,000 | $400,000 | $60,000 | $118,000 |
| Application Approved But Not Accepted | 37 | $10,094,000 | $272,000 | $920,000 | $115,000 | $274,000 |
| File Closed For Incompleteness | 36 | $7,400,000 | $205,000 | $1,020,000 | $87,000 | $250,000 |
| Preapproval Denied by Financial Institution | 23 | $3,037,000 | $132,000 | $300,000 | $73,000 | $465,000 |
| Application Withdrawn By Applicant | 15 | $3,690,000 | $246,000 | $1,044,000 | $115,000 | $240,000 |
| Preapproval Approved but not Accepted | 2 | $406,000 | $203,000 | $230,000 | $72,000 | $77,000 |
| 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 | 37 | $4,661,000 | $125,000 | $282,000 | $65,000 | $465,000 |
| Debt-To-Income Ratio | 18 | $3,870,000 | $215,000 | $400,000 | $65,000 | $107,000 |
| Collateral | 4 | $672,000 | $168,000 | $226,000 | $65,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $156,000 | $156,000 | $156,000 | $118,000 | $118,000 |
| Other | 1 | $140,000 | $140,000 | $140,000 | $101,000 | $101,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mill City Credit Union's 2007 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.