Mill City Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Mill City Credit Union 2011 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 | 704 |
| Total Mortgage Loan Application Amount | $113,199,000 |
| Average Mortgage Loan Application Amount | $133,333 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $112,333 |
| Highest Applicant Income | $3,146,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 246 | $ 47,862,000 | $ 194,000 | $ 129,000 |
| Anoka County Minnesota | 24 | $ 3,287,000 | $ 136,000 | $ 89,000 |
| Wright County Minnesota | 24 | $ 3,737,000 | $ 155,000 | $ 119,000 |
| Linn County Iowa | 18 | $ 2,283,000 | $ 126,000 | $ 104,000 |
| Ramsey County Minnesota | 18 | $ 2,558,000 | $ 142,000 | $ 130,000 |
| Dakota County Minnesota | 17 | $ 2,826,000 | $ 166,000 | $ 116,000 |
| Carver County Minnesota | 14 | $ 2,842,000 | $ 203,000 | $ 118,000 |
| Washington County Minnesota | 12 | $ 1,845,000 | $ 153,000 | $ 119,000 |
| Marion County Missouri | 11 | $ 804,000 | $ 73,000 | $ 46,000 |
| Scott County Minnesota | 9 | $ 1,540,000 | $ 171,000 | $ 112,000 |
| Rutherford County Tennessee | 9 | $ 1,342,000 | $ 149,000 | $ 75,000 |
| Miami-Dade County Florida | 8 | $ 1,833,000 | $ 229,000 | $ 95,000 |
| Winnebago County Illinois | 8 | $ 958,000 | $ 119,000 | $ 66,000 |
| Sherburne County Minnesota | 8 | $ 776,000 | $ 97,000 | $ 71,000 |
| Ralls County Missouri | 8 | $ 817,000 | $ 102,000 | $ 62,000 |
| Erie County New York | 7 | $ 1,147,000 | $ 163,000 | $ 110,000 |
| Los Angeles County California | 6 | $ 1,459,000 | $ 243,000 | $ 68,000 |
| Benton County Iowa | 6 | $ 663,000 | $ 110,000 | $ 70,000 |
| Adams County Illinois | 5 | $ 432,000 | $ 86,000 | $ 64,000 |
| Boone County Illinois | 5 | $ 361,000 | $ 72,000 | $ 46,000 |
| Pike County Illinois | 5 | $ 192,000 | $ 38,000 | $ 42,000 |
| Osceola County Michigan | 5 | $ 393,000 | $ 78,000 | $ 59,000 |
| Bernalillo County New Mexico | 5 | $ 739,000 | $ 147,000 | $ 89,000 |
| Maricopa County Arizona | 4 | $ 663,000 | $ 165,000 | $ 71,000 |
| Broward County Florida | 4 | $ 656,000 | $ 164,000 | $ 107,000 |
| Henry County Georgia | 4 | $ 593,000 | $ 148,000 | $ 90,000 |
| Newton County Georgia | 4 | $ 335,000 | $ 83,000 | $ 65,000 |
| Mecosta County Michigan | 3 | $ 486,000 | $ 162,000 | $ 95,000 |
| Jackson County Missouri | 3 | $ 356,000 | $ 118,000 | $ 46,000 |
| Jasper County Missouri | 3 | $ 253,000 | $ 84,000 | $ 87,000 |
| Morgan County Alabama | 2 | $ 170,000 | $ 85,000 | $ 68,000 |
| Gwinnett County Georgia | 2 | $ 227,000 | $ 113,000 | $ 89,000 |
| Walton County Georgia | 2 | $ 107,000 | $ 53,000 | $ 76,000 |
| Cook County Illinois | 2 | $ 516,000 | $ 258,000 | $ 139,000 |
| Hamilton County Indiana | 2 | $ 382,000 | $ 191,000 | $ 134,000 |
| Johnson County Iowa | 2 | $ 165,000 | $ 82,000 | $ 63,000 |
| Essex County Massachusetts | 2 | $ 191,000 | $ 95,000 | $ 124,000 |
| Lake County Michigan | 2 | $ 232,000 | $ 116,000 | $ 103,000 |
| Newaygo County Michigan | 2 | $ 186,000 | $ 93,000 | $ 76,000 |
| Aitkin County Minnesota | 2 | $ 98,000 | $ 49,000 | $ 37,000 |
| Chisago County Minnesota | 2 | $ 421,000 | $ 210,000 | $ 79,000 |
| Stearns County Minnesota | 2 | $ 294,000 | $ 147,000 | $ 111,000 |
| Cascade County Montana | 2 | $ 315,000 | $ 157,000 | $ 68,000 |
| Clark County Nevada | 2 | $ 252,000 | $ 126,000 | $ 87,000 |
| Rockingham County New Hampshire | 2 | $ 150,000 | $ 75,000 | $ 76,000 |
| Sandoval County New Mexico | 2 | $ 293,000 | $ 146,000 | $ 104,000 |
| Chautauqua County New York | 2 | $ 175,000 | $ 87,000 | $ 127,000 |
| Marion County Ohio | 2 | $ 257,000 | $ 128,000 | $ 77,000 |
| Morrow County Ohio | 2 | $ 133,000 | $ 66,000 | $ 55,000 |
| Allegheny County Pennsylvania | 2 | $ 452,000 | $ 226,000 | $ 129,000 |
| Luzerne County Pennsylvania | 2 | $ 85,000 | $ 42,000 | $ 49,000 |
| Bedford County Tennessee | 2 | $ 191,000 | $ 95,000 | $ 51,000 |
| Pinal County Arizona | 1 | $ 60,000 | $ 60,000 | $ 171,000 |
| Riverside County California | 1 | $ 368,000 | $ 368,000 | $ 146,000 |
| San Bernardino County California | 1 | $ 196,000 | $ 196,000 | $ 50,000 |
| San Diego County California | 1 | $ 417,000 | $ 417,000 | $ 235,000 |
| San Joaquin County California | 1 | $ 178,000 | $ 178,000 | $ 51,000 |
| Sonoma County California | 1 | $ 35,000 | $ 35,000 | $ 276,000 |
| Boulder County Colorado | 1 | $ 190,000 | $ 190,000 | $ 55,000 |
| El Paso County Colorado | 1 | $ 180,000 | $ 180,000 | $ 71,000 |
| New London County Connecticut | 1 | $ 248,000 | $ 248,000 | $ 115,000 |
| Charlotte County Florida | 1 | $ 82,000 | $ 82,000 | $ 227,000 |
| Collier County Florida | 1 | $ 198,000 | $ 198,000 | $ 181,000 |
| Lake County Florida | 1 | $ 160,000 | $ 160,000 | $ 86,000 |
| Lee County Florida | 1 | $ 190,000 | $ 190,000 | $ 82,000 |
| Osceola County Florida | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Pinellas County Florida | 1 | $ 22,000 | $ 22,000 | $ 73,000 |
| Sumter County Florida | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Cobb County Georgia | 1 | $ 136,000 | $ 136,000 | $ 116,000 |
| Forsyth County Georgia | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Morgan County Georgia | 1 | $ 93,000 | $ 93,000 | $ 103,000 |
| Putnam County Georgia | 1 | $ 89,000 | $ 89,000 | $ 156,000 |
| Richmond County Georgia | 1 | $ 114,000 | $ 114,000 | $ 53,000 |
| Rockdale County Georgia | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Kane County Illinois | 1 | $ 194,000 | $ 194,000 | $ 76,000 |
| Kendall County Illinois | 1 | $ 112,000 | $ 112,000 | $ 68,000 |
| Lake County Illinois | 1 | $ 749,000 | $ 749,000 | $ 420,000 |
| Lee County Illinois | 1 | $ 43,000 | $ 43,000 | $ 28,000 |
| Marion County Illinois | 1 | $ 50,000 | $ 50,000 | $ 45,000 |
| McHenry County Illinois | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Ogle County Illinois | 1 | $ 192,000 | $ 192,000 | $ 98,000 |
| Will County Illinois | 1 | $ 126,000 | $ 126,000 | $ 130,000 |
| Clark County Indiana | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| Porter County Indiana | 1 | $ 133,000 | $ 133,000 | $ 65,000 |
| Cedar County Iowa | 1 | $ 72,000 | $ 72,000 | $ 56,000 |
| Plymouth County Iowa | 1 | $ 132,000 | $ 132,000 | $ 282,000 |
| Warren County Iowa | 1 | $ 136,000 | $ 136,000 | $ 101,000 |
| Middlesex County Massachusetts | 1 | $ 290,000 | $ 290,000 | $ 75,000 |
| Livingston County Michigan | 1 | $ 280,000 | $ 280,000 | $ 137,000 |
| Benton County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Cass County Minnesota | 1 | $ 855,000 | $ 855,000 | $ 500,000 |
| Crow Wing County Minnesota | 1 | $ 310,000 | $ 310,000 | $ 145,000 |
| Douglas County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Hubbard County Minnesota | 1 | $ 280,000 | $ 280,000 | $ 49,000 |
| Isanti County Minnesota | 1 | $ 79,000 | $ 79,000 | $ 86,000 |
| Kandiyohi County Minnesota | 1 | $ 190,000 | $ 190,000 | $ 274,000 |
| Lake County Minnesota | 1 | $ 377,000 | $ 377,000 | $ 289,000 |
| Morrison County Minnesota | 1 | $ 280,000 | $ 280,000 | $ 191,000 |
| Otter Tail County Minnesota | 1 | $ 106,000 | $ 106,000 | $ 117,000 |
| Pine County Minnesota | 1 | $ 239,000 | $ 239,000 | $ 99,000 |
| Waseca County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Monroe County Missouri | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Chouteau County Montana | 1 | $ 91,000 | $ 91,000 | $ 51,000 |
| Teton County Montana | 1 | $ 168,000 | $ 168,000 | $ 73,000 |
| Merrimack County New Hampshire | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Warren County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 186,000 |
| Sullivan County New York | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Buncombe County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 110,000 |
| Guilford County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 218,000 |
| Iredell County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 74,000 |
| Clermont County Ohio | 1 | $ 240,000 | $ 240,000 | $ 738,000 |
| Crawford County Ohio | 1 | $ 46,000 | $ 46,000 | $ 91,000 |
| Fayette County Ohio | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| Gallia County Ohio | 1 | $ 37,000 | $ 37,000 | $ 38,000 |
| Jackson County Ohio | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Lucas County Ohio | 1 | $ 81,000 | $ 81,000 | $ 82,000 |
| Warren County Ohio | 1 | $ 280,000 | $ 280,000 | $ 148,000 |
| Bucks County Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 208,000 |
| Butler County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 37,000 |
| Chester County Pennsylvania | 1 | $ 414,000 | $ 414,000 | $ 111,000 |
| Montgomery County Pennsylvania | 1 | $ 263,000 | $ 263,000 | $ 116,000 |
| Denton County Texas | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| Fort Bend County Texas | 1 | $ 168,000 | $ 168,000 | $ 215,000 |
| Grayson County Texas | 1 | $ 32,000 | $ 32,000 | $ 86,000 |
| Harris County Texas | 1 | $ 165,000 | $ 165,000 | $ 184,000 |
| Travis County Texas | 1 | $ 272,000 | $ 272,000 | $ 142,000 |
| Chesterfield County Virginia | 1 | $ 163,000 | $ 163,000 | $ 137,000 |
| King County Washington | 1 | $ 291,000 | $ 291,000 | $ 122,000 |
| Kitsap County Washington | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Dane County Wisconsin | 1 | $ 198,000 | $ 198,000 | $ 161,000 |
| Douglas County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Shawano County Wisconsin | 1 | $ 40,000 | $ 40,000 | $ 150,000 |
| Sheboygan County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 154,000 |
| Washington County Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 88,000 |
| Waukesha County Wisconsin | 1 | $ 401,000 | $ 401,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Mill City Credit Union in 2011
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 | 485 | $78,521,000 | $161,000 | $855,000 | $108,000 | $738,000 |
| Home Purchase | 183 | $32,426,000 | $177,000 | $850,000 | $113,000 | $3,146,000 |
| Home Improvement | 36 | $2,252,000 | $62,000 | $252,000 | $116,000 | $276,000 |
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 | 533 | $82,485,000 | $154,000 | $855,000 | $104,000 | $738,000 |
| Not Provided | 96 | $16,837,000 | $175,000 | $743,000 | $113,000 | $325,000 |
| Hispanic | 31 | $5,702,000 | $183,000 | $850,000 | $93,000 | $280,000 |
| Black or African American | 18 | $3,584,000 | $199,000 | $749,000 | $286,000 | $3,146,000 |
| Asian | 17 | $3,325,000 | $195,000 | $417,000 | $122,000 | $383,000 |
| American Indian or Alaskan Native | 4 | $661,000 | $165,000 | $213,000 | $152,000 | $235,000 |
| Not applicable | 3 | $401,000 | $133,000 | $163,000 | $102,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $204,000 | $102,000 | $144,000 | $99,000 | $160,000 |
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) | 695 | $111,893,000 | $160,000 | $855,000 | $111,000 | $3,146,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,306,000 | $145,000 | $373,000 | $55,000 | $175,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 198 | $33,675,000 | $170,000 | $855,000 | $117,000 | $537,000 |
| Application Denied By Financial Institution | 194 | $24,436,000 | $125,000 | $543,000 | $91,000 | $3,146,000 |
| Loan Originated | 151 | $26,280,000 | $174,000 | $850,000 | $130,000 | $383,000 |
| File Closed For Incompleteness | 118 | $21,367,000 | $181,000 | $417,000 | $109,000 | $738,000 |
| Application Approved But Not Accepted | 27 | $4,660,000 | $172,000 | $417,000 | $105,000 | $282,000 |
| Preapproval Denied by Financial Institution | 11 | $1,657,000 | $150,000 | $340,000 | $51,000 | $106,000 |
| Preapproval Approved but not Accepted | 5 | $1,124,000 | $224,000 | $272,000 | $130,000 | $181,000 |
| 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 | 94 | $10,610,000 | $112,000 | $298,000 | $100,000 | $3,146,000 |
| Collateral | 42 | $5,439,000 | $129,000 | $330,000 | $95,000 | $252,000 |
| Debt-To-Income Ratio | 20 | $3,090,000 | $154,000 | $462,000 | $57,000 | $175,000 |
| Credit Application Incomplete | 6 | $1,141,000 | $190,000 | $243,000 | $101,000 | $177,000 |
| Other | 4 | $182,000 | $45,000 | $100,000 | $86,000 | $119,000 |
| Unverifiable Information | 2 | $173,000 | $86,000 | $148,000 | $86,000 | $110,000 |
| Employment History | 2 | $460,000 | $230,000 | $340,000 | $54,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mill City Credit Union's 2011 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.