Hiway Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Hiway Credit Union 2005 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 | Hiway Credit Union 111 Empire Drive Saint Paul, MN 55103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,775 |
| Total Mortgage Loan Application Amount | $184,265,000 |
| Average Mortgage Loan Application Amount | $117,238 |
| Highest Mortgage Loan Application Amount | $736,000 |
| Average Applicant Income | $90,666 |
| Highest Applicant Income | $1,140,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Hiway 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 Hiway Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Hiway 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 Hiway Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Hiway 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 Hiway Credit Union's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ramsey County Minnesota | 356 | $ 28,133,000 | $ 79,000 | $ 52,000 |
| Hennepin County Minnesota | 144 | $ 12,217,000 | $ 84,000 | $ 60,000 |
| Washington County Minnesota | 144 | $ 14,107,000 | $ 97,000 | $ 72,000 |
| Dakota County Minnesota | 129 | $ 11,927,000 | $ 92,000 | $ 78,000 |
| Anoka County Minnesota | 126 | $ 11,667,000 | $ 92,000 | $ 76,000 |
| Chisago County Minnesota | 55 | $ 4,947,000 | $ 89,000 | $ 68,000 |
| St. Louis County Minnesota | 33 | $ 1,509,000 | $ 45,000 | $ 66,000 |
| Wright County Minnesota | 26 | $ 2,714,000 | $ 104,000 | $ 142,000 |
| St. Croix County Wisconsin | 22 | $ 3,018,000 | $ 137,000 | $ 65,000 |
| Stearns County Minnesota | 21 | $ 1,390,000 | $ 66,000 | $ 61,000 |
| Sherburne County Minnesota | 19 | $ 1,898,000 | $ 99,000 | $ 70,000 |
| Crow Wing County Minnesota | 18 | $ 992,000 | $ 55,000 | $ 58,000 |
| Beltrami County Minnesota | 17 | $ 1,377,000 | $ 81,000 | $ 66,000 |
| Blue Earth County Minnesota | 17 | $ 1,381,000 | $ 81,000 | $ 63,000 |
| Carver County Minnesota | 16 | $ 1,336,000 | $ 83,000 | $ 78,000 |
| Scott County Minnesota | 16 | $ 1,473,000 | $ 92,000 | $ 97,000 |
| Isanti County Minnesota | 14 | $ 1,085,000 | $ 77,000 | $ 67,000 |
| Olmsted County Minnesota | 13 | $ 861,000 | $ 66,000 | $ 70,000 |
| Kandiyohi County Minnesota | 11 | $ 421,000 | $ 38,000 | $ 66,000 |
| Mille Lacs County Minnesota | 9 | $ 572,000 | $ 63,000 | $ 57,000 |
| Rice County Minnesota | 9 | $ 776,000 | $ 86,000 | $ 67,000 |
| Polk County Wisconsin | 9 | $ 1,094,000 | $ 121,000 | $ 74,000 |
| Becker County Minnesota | 8 | $ 1,001,000 | $ 125,000 | $ 92,000 |
| Pierce County Wisconsin | 8 | $ 979,000 | $ 122,000 | $ 71,000 |
| Aitkin County Minnesota | 7 | $ 489,000 | $ 69,000 | $ 60,000 |
| Hubbard County Minnesota | 7 | $ 406,000 | $ 58,000 | $ 47,000 |
| Otter Tail County Minnesota | 7 | $ 352,000 | $ 50,000 | $ 48,000 |
| Carlton County Minnesota | 6 | $ 346,000 | $ 57,000 | $ 63,000 |
| Meeker County Minnesota | 6 | $ 394,000 | $ 65,000 | $ 60,000 |
| Nicollet County Minnesota | 6 | $ 657,000 | $ 109,000 | $ 46,000 |
| Steele County Minnesota | 6 | $ 440,000 | $ 73,000 | $ 56,000 |
| Stevens County Minnesota | 6 | $ 411,000 | $ 68,000 | $ 51,000 |
| Clay County Minnesota | 5 | $ 283,000 | $ 56,000 | $ 60,000 |
| Goodhue County Minnesota | 5 | $ 193,000 | $ 38,000 | $ 66,000 |
| Kanabec County Minnesota | 5 | $ 420,000 | $ 84,000 | $ 62,000 |
| McLeod County Minnesota | 5 | $ 364,000 | $ 72,000 | $ 71,000 |
| Cass County Minnesota | 4 | $ 370,000 | $ 92,000 | $ 52,000 |
| Clearwater County Minnesota | 4 | $ 163,000 | $ 40,000 | $ 39,000 |
| Cottonwood County Minnesota | 4 | $ 131,000 | $ 32,000 | $ 63,000 |
| Itasca County Minnesota | 4 | $ 424,000 | $ 106,000 | $ 59,000 |
| Martin County Minnesota | 4 | $ 57,000 | $ 14,000 | $ 66,000 |
| Morrison County Minnesota | 4 | $ 190,000 | $ 47,000 | $ 61,000 |
| Mower County Minnesota | 4 | $ 231,000 | $ 57,000 | $ 54,000 |
| Pine County Minnesota | 4 | $ 563,000 | $ 140,000 | $ 51,000 |
| Winona County Minnesota | 4 | $ 152,000 | $ 38,000 | $ 61,000 |
| Maricopa County Arizona | 3 | $ 251,000 | $ 83,000 | $ 55,000 |
| Benton County Minnesota | 3 | $ 202,000 | $ 67,000 | $ 53,000 |
| Brown County Minnesota | 3 | $ 94,000 | $ 31,000 | $ 60,000 |
| Chippewa County Minnesota | 3 | $ 70,000 | $ 23,000 | $ 80,000 |
| Dodge County Minnesota | 3 | $ 183,000 | $ 61,000 | $ 47,000 |
| Koochiching County Minnesota | 3 | $ 38,000 | $ 12,000 | $ 35,000 |
| Nobles County Minnesota | 3 | $ 129,000 | $ 43,000 | $ 63,000 |
| Pennington County Minnesota | 3 | $ 52,000 | $ 17,000 | $ 51,000 |
| Rock County Minnesota | 3 | $ 98,000 | $ 32,000 | $ 57,000 |
| Douglas County Wisconsin | 3 | $ 49,000 | $ 16,000 | $ 49,000 |
| Mohave County Arizona | 2 | $ 271,000 | $ 135,000 | $ 55,000 |
| Riverside County California | 2 | $ 11,000 | $ 5,000 | $ 48,000 |
| Kootenai County Idaho | 2 | $ 74,000 | $ 37,000 | $ 104,000 |
| Cook County Minnesota | 2 | $ 356,000 | $ 178,000 | $ 61,000 |
| Douglas County Minnesota | 2 | $ 140,000 | $ 70,000 | $ 70,000 |
| Lake County Minnesota | 2 | $ 271,000 | $ 135,000 | $ 124,000 |
| Lake of the Woods County Minnesota | 2 | $ 285,000 | $ 142,000 | $ 78,000 |
| Le Sueur County Minnesota | 2 | $ 137,000 | $ 68,000 | $ 62,000 |
| Polk County Minnesota | 2 | $ 51,000 | $ 25,000 | $ 84,000 |
| Pope County Minnesota | 2 | $ 82,000 | $ 41,000 | $ 42,000 |
| Redwood County Minnesota | 2 | $ 133,000 | $ 66,000 | $ 73,000 |
| Roseau County Minnesota | 2 | $ 51,000 | $ 25,000 | $ 88,000 |
| Sibley County Minnesota | 2 | $ 285,000 | $ 142,000 | $ 82,000 |
| Todd County Minnesota | 2 | $ 90,000 | $ 45,000 | $ 59,000 |
| Dona Ana County New Mexico | 2 | $ 85,000 | $ 42,000 | $ 33,000 |
| Cass County North Dakota | 2 | $ 159,000 | $ 79,000 | $ 64,000 |
| Barron County Wisconsin | 2 | $ 48,000 | $ 24,000 | $ 36,000 |
| Dunn County Wisconsin | 2 | $ 345,000 | $ 172,000 | $ 50,000 |
| Eau Claire County Wisconsin | 2 | $ 269,000 | $ 134,000 | $ 54,000 |
| Milwaukee County Wisconsin | 2 | $ 17,000 | $ 8,000 | $ 65,000 |
| Yuma County Arizona | 1 | $ 190,000 | $ 190,000 | $ 82,000 |
| Carroll County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Fremont County Colorado | 1 | $ 6,000 | $ 6,000 | $ 92,000 |
| Jefferson County Colorado | 1 | $ 192,000 | $ 192,000 | $ 134,000 |
| Indian River County Florida | 1 | $ 172,000 | $ 172,000 | $ 193,000 |
| Lake County Florida | 1 | $ 388,000 | $ 388,000 | $ 96,000 |
| Lee County Florida | 1 | $ 30,000 | $ 30,000 | $ 99,000 |
| Nassau County Florida | 1 | $ 214,000 | $ 214,000 | $ 81,000 |
| Cobb County Georgia | 1 | $ 545,000 | $ 545,000 | $ 174,000 |
| Lake County Illinois | 1 | $ 226,000 | $ 226,000 | $ 102,000 |
| Rock Island County Illinois | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Trigg County Kentucky | 1 | $ 16,000 | $ 16,000 | $ 49,000 |
| Missaukee County Michigan | 1 | $ 300,000 | $ 300,000 | $ 105,000 |
| Big Stone County Minnesota | 1 | $ 9,000 | $ 9,000 | $ 40,000 |
| Faribault County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 58,000 |
| Freeborn County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 59,000 |
| Grant County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Jackson County Minnesota | 1 | $ 32,000 | $ 32,000 | $ 73,000 |
| Lac qui Parle County Minnesota | 1 | $ 13,000 | $ 13,000 | $ 34,000 |
| Mahnomen County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Pipestone County Minnesota | 1 | $ 250,000 | $ 250,000 | $ 67,000 |
| Red Lake County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Wabasha County Minnesota | 1 | $ 42,000 | $ 42,000 | $ 47,000 |
| Waseca County Minnesota | 1 | $ 194,000 | $ 194,000 | $ 97,000 |
| Watonwan County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 123,000 |
| St. Charles County Missouri | 1 | $ 20,000 | $ 20,000 | $ 121,000 |
| Lancaster County Nebraska | 1 | $ 8,000 | $ 8,000 | $ 112,000 |
| Elko County Nevada | 1 | $ 30,000 | $ 30,000 | $ 103,000 |
| Los Alamos County New Mexico | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Mecklenburg County North Carolina | 1 | $ 8,000 | $ 8,000 | $ 145,000 |
| Butler County Ohio | 1 | $ 40,000 | $ 40,000 | $ 147,000 |
| Cuyahoga County Ohio | 1 | $ 80,000 | $ 80,000 | $ 153,000 |
| Josephine County Oregon | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Multnomah County Oregon | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Butler County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Brookings County South Dakota | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Codington County South Dakota | 1 | $ 37,000 | $ 37,000 | $ 75,000 |
| Day County South Dakota | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Pennington County South Dakota | 1 | $ 16,000 | $ 16,000 | $ 65,000 |
| Knox County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 166,000 |
| Prince William County Virginia | 1 | $ 180,000 | $ 180,000 | $ 62,000 |
| Clark County Washington | 1 | $ 149,000 | $ 149,000 | $ 144,000 |
| Buffalo County Wisconsin | 1 | $ 51,000 | $ 51,000 | $ 40,000 |
| Portage County Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 50,000 |
| Sawyer County Wisconsin | 1 | $ 330,000 | $ 330,000 | $ 168,000 |
| Washburn County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Albany County Wyoming | 1 | $ 439,000 | $ 439,000 | $ 84,000 |
| Sheridan County Wyoming | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Hiway Credit Union in 2005
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 759 | $22,050,000 | $24,176 | $200,000 | $87,588 | $578,000 |
| Home Purchase | 520 | $97,561,000 | $222,615 | $736,000 | $93,153 | $1,140,000 |
| Refinancing | 496 | $64,654,000 | $134,916 | $439,000 | $92,333 | $780,000 |
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 | 1,260 | $133,610,000 | $101,400 | $736,000 | $88,240 | $1,140,000 |
| Not Provided | 280 | $20,456,000 | $82,875 | $450,000 | $83,250 | $780,000 |
| Asian | 130 | $16,910,000 | $157,000 | $550,000 | $61,666 | $156,000 |
| Black or African American | 56 | $7,506,000 | $255,750 | $545,000 | $86,000 | $174,000 |
| Hispanic | 37 | $4,077,000 | $152,750 | $300,000 | $67,250 | $122,000 |
| American Indian or Alaskan Native | 9 | $1,224,000 | $139,500 | $239,000 | $54,500 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $482,000 | $160,500 | $200,000 | $33,000 | $91,000 |
| 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) | 1,775 | $184,265,000 | $112,851 | $736,000 | $92,333 | $1,140,000 |
| 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 | 945 | $73,297,000 | $82,350 | $736,000 | $85,400 | $460,000 |
| Application Withdrawn By Applicant | 301 | $35,550,000 | $143,428 | $450,000 | $77,571 | $578,000 |
| Application Denied By Financial Institution | 198 | $20,387,000 | $125,500 | $479,000 | $90,000 | $780,000 |
| File Closed For Incompleteness | 125 | $14,941,000 | $156,500 | $545,000 | $82,000 | $174,000 |
| Preapproval Approved but not Accepted | 110 | $23,228,000 | $211,000 | $549,000 | $64,000 | $1,140,000 |
| Application Approved But Not Accepted | 54 | $9,254,000 | $190,200 | $550,000 | $84,200 | $146,000 |
| Preapproval Denied by Financial Institution | 42 | $7,608,000 | $181,000 | $315,000 | $43,000 | $160,000 |
| 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 | 110 | $11,943,000 | $135,333 | $284,000 | $86,000 | $780,000 |
| Debt-To-Income Ratio | 62 | $6,650,000 | $136,500 | $320,000 | $52,500 | $120,000 |
| Other | 57 | $7,913,000 | $145,000 | $439,000 | $58,500 | $180,000 |
| Collateral | 5 | $276,000 | $58,500 | $90,000 | $120,500 | $166,000 |
| Mortgage Insurance Denied | 3 | $235,000 | $78,000 | $103,000 | $40,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $662,000 | $331,000 | $479,000 | $91,000 | $141,000 |
| Unverifiable Information | 1 | $316,000 | $316,000 | $316,000 | $95,000 | $95,000 |
| 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 Hiway Credit Union's 2005 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 Hiway 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.