Mill City Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Mill City Credit Union 2013 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 | 536 |
| Total Mortgage Loan Application Amount | $93,083,000 |
| Average Mortgage Loan Application Amount | $142,333 |
| Highest Mortgage Loan Application Amount | $720,000 |
| Average Applicant Income | $120,333 |
| Highest Applicant Income | $1,248,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 170 | $ 36,178,000 | $ 212,000 | $ 146,000 |
| Anoka County Minnesota | 24 | $ 3,890,000 | $ 162,000 | $ 91,000 |
| Marion County Missouri | 20 | $ 1,930,000 | $ 96,000 | $ 59,000 |
| Wright County Minnesota | 14 | $ 2,196,000 | $ 156,000 | $ 116,000 |
| Scott County Minnesota | 11 | $ 2,463,000 | $ 223,000 | $ 112,000 |
| Linn County Iowa | 10 | $ 1,056,000 | $ 105,000 | $ 67,000 |
| Dakota County Minnesota | 10 | $ 1,782,000 | $ 178,000 | $ 114,000 |
| Carver County Minnesota | 8 | $ 2,315,000 | $ 289,000 | $ 134,000 |
| Ramsey County Minnesota | 8 | $ 1,591,000 | $ 198,000 | $ 94,000 |
| Washington County Minnesota | 7 | $ 1,320,000 | $ 188,000 | $ 118,000 |
| Ralls County Missouri | 7 | $ 681,000 | $ 97,000 | $ 60,000 |
| Bernalillo County New Mexico | 7 | $ 1,074,000 | $ 153,000 | $ 87,000 |
| Rutherford County Tennessee | 7 | $ 932,000 | $ 133,000 | $ 92,000 |
| Miami-Dade County Florida | 6 | $ 828,000 | $ 138,000 | $ 140,000 |
| Boone County Illinois | 5 | $ 396,000 | $ 79,000 | $ 66,000 |
| Crow Wing County Minnesota | 4 | $ 462,000 | $ 115,000 | $ 77,000 |
| Broward County Florida | 3 | $ 767,000 | $ 255,000 | $ 262,000 |
| Walton County Georgia | 3 | $ 332,000 | $ 110,000 | $ 99,000 |
| Orleans County Louisiana | 3 | $ 675,000 | $ 225,000 | $ 86,000 |
| Mecosta County Michigan | 3 | $ 302,000 | $ 100,000 | $ 79,000 |
| Osceola County Michigan | 3 | $ 201,000 | $ 67,000 | $ 45,000 |
| Chisago County Minnesota | 3 | $ 337,000 | $ 112,000 | $ 106,000 |
| Otter Tail County Minnesota | 3 | $ 511,000 | $ 170,000 | $ 167,000 |
| Jasper County Missouri | 3 | $ 415,000 | $ 138,000 | $ 77,000 |
| Erie County New York | 3 | $ 348,000 | $ 116,000 | $ 97,000 |
| Maricopa County Arizona | 2 | $ 707,000 | $ 353,000 | $ 162,000 |
| Benton County Arkansas | 2 | $ 502,000 | $ 251,000 | $ 128,000 |
| Citrus County Florida | 2 | $ 177,000 | $ 88,000 | $ 86,000 |
| Lee County Florida | 2 | $ 271,000 | $ 135,000 | $ 98,000 |
| Pinellas County Florida | 2 | $ 285,000 | $ 142,000 | $ 121,000 |
| Henry County Georgia | 2 | $ 477,000 | $ 238,000 | $ 81,000 |
| Newton County Georgia | 2 | $ 347,000 | $ 173,000 | $ 120,000 |
| Adams County Illinois | 2 | $ 284,000 | $ 142,000 | $ 84,000 |
| Winnebago County Illinois | 2 | $ 128,000 | $ 64,000 | $ 48,000 |
| Johnson County Iowa | 2 | $ 295,000 | $ 147,000 | $ 97,000 |
| East Baton Rouge County Louisiana | 2 | $ 447,000 | $ 223,000 | $ 101,000 |
| Plymouth County Massachusetts | 2 | $ 243,000 | $ 121,000 | $ 125,000 |
| Mille Lacs County Minnesota | 2 | $ 335,000 | $ 167,000 | $ 153,000 |
| Sherburne County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 79,000 |
| Sandoval County New Mexico | 2 | $ 233,000 | $ 116,000 | $ 61,000 |
| Valencia County New Mexico | 2 | $ 186,000 | $ 93,000 | $ 80,000 |
| Guilford County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 143,000 |
| Montgomery County Pennsylvania | 2 | $ 316,000 | $ 158,000 | $ 148,000 |
| Bedford County Tennessee | 2 | $ 220,000 | $ 110,000 | $ 50,000 |
| Harris County Texas | 2 | $ 447,000 | $ 223,000 | $ 119,000 |
| Milwaukee County Wisconsin | 2 | $ 412,000 | $ 206,000 | $ 119,000 |
| Macon County Alabama | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Orange County California | 1 | $ 626,000 | $ 626,000 | $ 206,000 |
| Sacramento County California | 1 | $ 298,000 | $ 298,000 | $ 95,000 |
| San Diego County California | 1 | $ 417,000 | $ 417,000 | $ 130,000 |
| Ventura County California | 1 | $ 575,000 | $ 575,000 | $ 120,000 |
| Routt County Colorado | 1 | $ 200,000 | $ 200,000 | $ 51,000 |
| Brevard County Florida | 1 | $ 116,000 | $ 116,000 | $ 76,000 |
| Monroe County Florida | 1 | $ 288,000 | $ 288,000 | $ 110,000 |
| Butts County Georgia | 1 | $ 272,000 | $ 272,000 | $ 137,000 |
| Forsyth County Georgia | 1 | $ 143,000 | $ 143,000 | $ 153,000 |
| Fulton County Georgia | 1 | $ 417,000 | $ 417,000 | $ 125,000 |
| Gwinnett County Georgia | 1 | $ 138,000 | $ 138,000 | $ 75,000 |
| Jasper County Georgia | 1 | $ 92,000 | $ 92,000 | $ 56,000 |
| Stephens County Georgia | 1 | $ 184,000 | $ 184,000 | $ 117,000 |
| Bannock County Idaho | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| Cook County Illinois | 1 | $ 206,000 | $ 206,000 | $ 77,000 |
| Kane County Illinois | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Pike County Illinois | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Warren County Illinois | 1 | $ 52,000 | $ 52,000 | $ 37,000 |
| Porter County Indiana | 1 | $ 133,000 | $ 133,000 | $ 46,000 |
| Vanderburgh County Indiana | 1 | $ 114,000 | $ 114,000 | $ 86,000 |
| Buchanan County Iowa | 1 | $ 66,000 | $ 66,000 | $ 90,000 |
| Clarke County Iowa | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Polk County Iowa | 1 | $ 47,000 | $ 47,000 | $ 98,000 |
| Sioux County Iowa | 1 | $ 61,000 | $ 61,000 | $ 34,000 |
| Tama County Iowa | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| Essex County Massachusetts | 1 | $ 223,000 | $ 223,000 | $ 105,000 |
| Hampden County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 138,000 |
| Suffolk County Massachusetts | 1 | $ 342,000 | $ 342,000 | $ 132,000 |
| Worcester County Massachusetts | 1 | $ 323,000 | $ 323,000 | $ 45,000 |
| Washtenaw County Michigan | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Isanti County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 116,000 |
| McLeod County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 113,000 |
| Olmsted County Minnesota | 1 | $ 379,000 | $ 379,000 | $ 130,000 |
| Sibley County Minnesota | 1 | $ 27,000 | $ 27,000 | $ 99,000 |
| St. Louis County Minnesota | 1 | $ 324,000 | $ 324,000 | $ 150,000 |
| Jones County Mississippi | 1 | $ 222,000 | $ 222,000 | $ 154,000 |
| Camden County Missouri | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Cole County Missouri | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| McDonald County Missouri | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| St. Louis County Missouri | 1 | $ 108,000 | $ 108,000 | $ 82,000 |
| Chouteau County Montana | 1 | $ 90,000 | $ 90,000 | $ 67,000 |
| Roosevelt County Montana | 1 | $ 82,000 | $ 82,000 | $ 72,000 |
| Yellowstone County Montana | 1 | $ 236,000 | $ 236,000 | $ 90,000 |
| Lancaster County Nebraska | 1 | $ 339,000 | $ 339,000 | $ 163,000 |
| Bergen County New Jersey | 1 | $ 88,000 | $ 88,000 | $ 110,000 |
| Gloucester County New Jersey | 1 | $ 180,000 | $ 180,000 | $ 149,000 |
| Curry County New Mexico | 1 | $ 46,000 | $ 46,000 | $ 74,000 |
| Niagara County New York | 1 | $ 232,000 | $ 232,000 | $ 172,000 |
| Forsyth County North Carolina | 1 | $ 183,000 | $ 183,000 | $ 90,000 |
| Clermont County Ohio | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| Fayette County Ohio | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Franklin County Ohio | 1 | $ 90,000 | $ 90,000 | $ 166,000 |
| Morrow County Ohio | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Ross County Ohio | 1 | $ 208,000 | $ 208,000 | $ 120,000 |
| Berks County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 94,000 |
| Monroe County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 101,000 |
| Northampton County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 137,000 |
| Schuylkill County Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 42,000 |
| Minnehaha County South Dakota | 1 | $ 18,000 | $ 18,000 | $ 201,000 |
| Roberts County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 180,000 |
| Cannon County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Franklin County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 86,000 |
| Wayne County Tennessee | 1 | $ 250,000 | $ 250,000 | $ 262,000 |
| Denton County Texas | 1 | $ 293,000 | $ 293,000 | $ 126,000 |
| Tarrant County Texas | 1 | $ 313,000 | $ 313,000 | $ 152,000 |
| Arlington County Virginia | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Pierce County Wisconsin | 1 | $ 282,000 | $ 282,000 | $ 134,000 |
| Sawyer County Wisconsin | 1 | $ 278,000 | $ 278,000 | $ 148,000 |
| St. Croix County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 55,000 |
| Washburn County Wisconsin | 1 | $ 34,000 | $ 34,000 | $ 103,000 |
| Laramie County Wyoming | 1 | $ 116,000 | $ 116,000 | $ 264,000 |
Mortgage Loan Application Detail Totals for Mill City Credit Union in 2013
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 | 343 | $59,767,000 | $174,000 | $626,000 | $115,000 | $825,000 |
| Home Purchase | 178 | $32,222,000 | $181,000 | $720,000 | $102,000 | $1,248,000 |
| Home Improvement | 15 | $1,094,000 | $72,000 | $150,000 | $144,000 | $350,000 |
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 | 410 | $70,930,000 | $173,000 | $720,000 | $107,000 | $825,000 |
| Not Provided | 56 | $9,192,000 | $164,000 | $578,000 | $136,000 | $700,000 |
| Hispanic | 31 | $4,656,000 | $150,000 | $626,000 | $144,000 | $1,248,000 |
| Black or African American | 25 | $4,751,000 | $190,000 | $325,000 | $97,000 | $228,000 |
| Asian | 12 | $3,179,000 | $264,000 | $417,000 | $125,000 | $370,000 |
| American Indian or Alaskan Native | 2 | $375,000 | $187,000 | $300,000 | $61,000 | $62,000 |
| 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) | 535 | $92,738,000 | $173,000 | $720,000 | $112,000 | $1,248,000 |
| FHA-insured (Federal Housing Administration) | 1 | $345,000 | $345,000 | $345,000 | $179,000 | $179,000 |
| 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 Denied By Financial Institution | 185 | $26,230,000 | $141,000 | $720,000 | $89,000 | $1,248,000 |
| Loan Originated | 118 | $20,498,000 | $173,000 | $684,000 | $116,000 | $383,000 |
| Application Approved But Not Accepted | 98 | $21,237,000 | $216,000 | $417,000 | $128,000 | $825,000 |
| File Closed For Incompleteness | 88 | $18,632,000 | $211,000 | $585,000 | $115,000 | $370,000 |
| Application Withdrawn By Applicant | 47 | $6,486,000 | $138,000 | $450,000 | $149,000 | $700,000 |
| 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 | 71 | $8,933,000 | $125,000 | $575,000 | $89,000 | $1,248,000 |
| Collateral | 27 | $3,257,000 | $120,000 | $320,000 | $104,000 | $400,000 |
| Debt-To-Income Ratio | 12 | $2,311,000 | $192,000 | $344,000 | $64,000 | $168,000 |
| Other | 12 | $1,744,000 | $145,000 | $417,000 | $109,000 | $310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $536,000 | $107,000 | $186,000 | $57,000 | $75,000 |
| Employment History | 1 | $78,000 | $78,000 | $78,000 | $29,000 | $29,000 |
| Credit Application Incomplete | 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 Mill City Credit Union's 2013 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.