Hiway Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Hiway Credit Union 2012 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 | 1,719 |
| Total Mortgage Loan Application Amount | $215,175,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $1,171,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 350 | $ 37,087,000 | $ 105,000 | $ 72,000 |
| Washington County Minnesota | 192 | $ 28,528,000 | $ 148,000 | $ 88,000 |
| Hennepin County Minnesota | 190 | $ 25,003,000 | $ 131,000 | $ 87,000 |
| Dakota County Minnesota | 173 | $ 21,353,000 | $ 123,000 | $ 85,000 |
| Anoka County Minnesota | 114 | $ 15,535,000 | $ 136,000 | $ 87,000 |
| Chisago County Minnesota | 45 | $ 5,518,000 | $ 122,000 | $ 83,000 |
| St. Louis County Minnesota | 45 | $ 4,056,000 | $ 90,000 | $ 73,000 |
| Wright County Minnesota | 28 | $ 3,569,000 | $ 127,000 | $ 86,000 |
| Sherburne County Minnesota | 19 | $ 2,323,000 | $ 122,000 | $ 74,000 |
| Kandiyohi County Minnesota | 18 | $ 2,100,000 | $ 116,000 | $ 69,000 |
| St. Croix County Wisconsin | 18 | $ 2,336,000 | $ 129,000 | $ 78,000 |
| Blue Earth County Minnesota | 17 | $ 2,154,000 | $ 126,000 | $ 81,000 |
| Isanti County Minnesota | 15 | $ 1,739,000 | $ 115,000 | $ 80,000 |
| Scott County Minnesota | 15 | $ 2,106,000 | $ 140,000 | $ 90,000 |
| Stearns County Minnesota | 14 | $ 1,545,000 | $ 110,000 | $ 80,000 |
| Becker County Minnesota | 11 | $ 1,126,000 | $ 102,000 | $ 91,000 |
| Carlton County Minnesota | 11 | $ 991,000 | $ 90,000 | $ 70,000 |
| Crow Wing County Minnesota | 10 | $ 1,276,000 | $ 127,000 | $ 105,000 |
| Polk County Wisconsin | 10 | $ 1,796,000 | $ 179,000 | $ 122,000 |
| Beltrami County Minnesota | 9 | $ 948,000 | $ 105,000 | $ 65,000 |
| Carver County Minnesota | 9 | $ 1,702,000 | $ 189,000 | $ 98,000 |
| Maricopa County Arizona | 8 | $ 1,394,000 | $ 174,000 | $ 76,000 |
| Meeker County Minnesota | 8 | $ 825,000 | $ 103,000 | $ 73,000 |
| Burnett County Wisconsin | 8 | $ 846,000 | $ 105,000 | $ 89,000 |
| Aitkin County Minnesota | 7 | $ 660,000 | $ 94,000 | $ 138,000 |
| Cass County Minnesota | 7 | $ 703,000 | $ 100,000 | $ 102,000 |
| Douglas County Minnesota | 7 | $ 1,213,000 | $ 173,000 | $ 101,000 |
| Goodhue County Minnesota | 7 | $ 831,000 | $ 118,000 | $ 190,000 |
| Morrison County Minnesota | 7 | $ 626,000 | $ 89,000 | $ 62,000 |
| Olmsted County Minnesota | 7 | $ 951,000 | $ 135,000 | $ 83,000 |
| Rice County Minnesota | 7 | $ 463,000 | $ 66,000 | $ 53,000 |
| Waseca County Minnesota | 7 | $ 955,000 | $ 136,000 | $ 87,000 |
| Hubbard County Minnesota | 6 | $ 831,000 | $ 138,000 | $ 58,000 |
| Lyon County Minnesota | 6 | $ 259,000 | $ 43,000 | $ 73,000 |
| Sibley County Minnesota | 6 | $ 519,000 | $ 86,000 | $ 72,000 |
| Kanabec County Minnesota | 5 | $ 807,000 | $ 161,000 | $ 56,000 |
| McLeod County Minnesota | 5 | $ 663,000 | $ 132,000 | $ 55,000 |
| Mille Lacs County Minnesota | 5 | $ 716,000 | $ 143,000 | $ 132,000 |
| Nicollet County Minnesota | 5 | $ 489,000 | $ 97,000 | $ 56,000 |
| Washburn County Wisconsin | 5 | $ 581,000 | $ 116,000 | $ 110,000 |
| Dodge County Minnesota | 4 | $ 494,000 | $ 123,000 | $ 94,000 |
| Itasca County Minnesota | 4 | $ 708,000 | $ 177,000 | $ 84,000 |
| Jackson County Minnesota | 4 | $ 436,000 | $ 109,000 | $ 62,000 |
| Koochiching County Minnesota | 4 | $ 211,000 | $ 52,000 | $ 95,000 |
| Martin County Minnesota | 4 | $ 233,000 | $ 58,000 | $ 92,000 |
| Pine County Minnesota | 4 | $ 616,000 | $ 154,000 | $ 80,000 |
| Swift County Minnesota | 4 | $ 375,000 | $ 93,000 | $ 71,000 |
| Broward County Florida | 3 | $ 508,000 | $ 169,000 | $ 88,000 |
| Cottonwood County Minnesota | 3 | $ 147,000 | $ 49,000 | $ 48,000 |
| Fillmore County Minnesota | 3 | $ 292,000 | $ 97,000 | $ 60,000 |
| Otter Tail County Minnesota | 3 | $ 201,000 | $ 67,000 | $ 64,000 |
| Polk County Minnesota | 3 | $ 288,000 | $ 96,000 | $ 78,000 |
| Steele County Minnesota | 3 | $ 201,000 | $ 67,000 | $ 79,000 |
| Hillsborough County Florida | 2 | $ 372,000 | $ 186,000 | $ 115,000 |
| Lee County Florida | 2 | $ 406,000 | $ 203,000 | $ 131,000 |
| Benton County Minnesota | 2 | $ 312,000 | $ 156,000 | $ 85,000 |
| Big Stone County Minnesota | 2 | $ 50,000 | $ 25,000 | $ 82,000 |
| Clearwater County Minnesota | 2 | $ 396,000 | $ 198,000 | $ 84,000 |
| Cook County Minnesota | 2 | $ 617,000 | $ 308,000 | $ 113,000 |
| Grant County Minnesota | 2 | $ 48,000 | $ 24,000 | $ 113,000 |
| Houston County Minnesota | 2 | $ 421,000 | $ 210,000 | $ 71,000 |
| Le Sueur County Minnesota | 2 | $ 393,000 | $ 196,000 | $ 66,000 |
| Stevens County Minnesota | 2 | $ 106,000 | $ 53,000 | $ 48,000 |
| Todd County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 98,000 |
| Davidson County Tennessee | 2 | $ 197,000 | $ 98,000 | $ 50,000 |
| Barron County Wisconsin | 2 | $ 125,000 | $ 62,000 | $ 41,000 |
| Bayfield County Wisconsin | 2 | $ 164,000 | $ 82,000 | $ 76,000 |
| Chippewa County Wisconsin | 2 | $ 15,000 | $ 7,000 | $ 82,000 |
| Dunn County Wisconsin | 2 | $ 348,000 | $ 174,000 | $ 84,000 |
| Waukesha County Wisconsin | 2 | $ 269,000 | $ 134,000 | $ 60,000 |
| Navajo County Arizona | 1 | $ 177,000 | $ 177,000 | $ 141,000 |
| Pima County Arizona | 1 | $ 77,000 | $ 77,000 | $ 48,000 |
| Benton County Arkansas | 1 | $ 227,000 | $ 227,000 | $ 36,000 |
| El Paso County Colorado | 1 | $ 11,000 | $ 11,000 | $ 79,000 |
| Charlotte County Florida | 1 | $ 80,000 | $ 80,000 | $ 66,000 |
| Indian River County Florida | 1 | $ 158,000 | $ 158,000 | $ 155,000 |
| Orange County Florida | 1 | $ 149,000 | $ 149,000 | $ 98,000 |
| Palm Beach County Florida | 1 | $ 31,000 | $ 31,000 | $ 45,000 |
| Sarasota County Florida | 1 | $ 135,000 | $ 135,000 | $ 255,000 |
| Canyon County Idaho | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Fremont County Idaho | 1 | $ 140,000 | $ 140,000 | $ 109,000 |
| Kendall County Illinois | 1 | $ 193,000 | $ 193,000 | $ 148,000 |
| Polk County Iowa | 1 | $ 130,000 | $ 130,000 | $ 109,000 |
| Johnson County Kansas | 1 | $ 206,000 | $ 206,000 | $ 141,000 |
| Isabella County Michigan | 1 | $ 162,000 | $ 162,000 | $ 100,000 |
| Chippewa County Minnesota | 1 | $ 7,000 | $ 7,000 | $ 88,000 |
| Clay County Minnesota | 1 | $ 191,000 | $ 191,000 | $ 101,000 |
| Faribault County Minnesota | 1 | $ 123,000 | $ 123,000 | $ 64,000 |
| Lake County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 69,000 |
| Lake of the Woods County Minnesota | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
| Mahnomen County Minnesota | 1 | $ 27,000 | $ 27,000 | $ 67,000 |
| Marshall County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 87,000 |
| Mower County Minnesota | 1 | $ 79,000 | $ 79,000 | $ 57,000 |
| Murray County Minnesota | 1 | $ 29,000 | $ 29,000 | $ 79,000 |
| Pennington County Minnesota | 1 | $ 102,000 | $ 102,000 | $ 125,000 |
| Pipestone County Minnesota | 1 | $ 7,000 | $ 7,000 | $ 48,000 |
| Redwood County Minnesota | 1 | $ 20,000 | $ 20,000 | $ 133,000 |
| Rock County Minnesota | 1 | $ 84,000 | $ 84,000 | $ 44,000 |
| Wabasha County Minnesota | 1 | $ 49,000 | $ 49,000 | $ 112,000 |
| Wilkin County Minnesota | 1 | $ 6,000 | $ 6,000 | $ 83,000 |
| Warren County Missouri | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Gallatin County Montana | 1 | $ 132,000 | $ 132,000 | $ 68,000 |
| Douglas County Nebraska | 1 | $ 186,000 | $ 186,000 | $ 149,000 |
| Carson City County Nevada | 1 | $ 201,000 | $ 201,000 | $ 103,000 |
| Douglas County Nevada | 1 | $ 240,000 | $ 240,000 | $ 102,000 |
| Merrimack County New Hampshire | 1 | $ 210,000 | $ 210,000 | $ 193,000 |
| Bernalillo County New Mexico | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Cass County North Dakota | 1 | $ 190,000 | $ 190,000 | $ 50,000 |
| Foster County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Grand Forks County North Dakota | 1 | $ 40,000 | $ 40,000 | $ 84,000 |
| Butler County Pennsylvania | 1 | $ 390,000 | $ 390,000 | $ 150,000 |
| Bristol County Rhode Island | 1 | $ 417,000 | $ 417,000 | $ 214,000 |
| Minnehaha County South Dakota | 1 | $ 130,000 | $ 130,000 | $ 92,000 |
| Fairfax County Virginia | 1 | $ 231,000 | $ 231,000 | $ 103,000 |
| Prince William County Virginia | 1 | $ 193,000 | $ 193,000 | $ 58,000 |
| Douglas County Wisconsin | 1 | $ 69,000 | $ 69,000 | $ 49,000 |
| Eau Claire County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 41,000 |
| La Crosse County Wisconsin | 1 | $ 152,000 | $ 152,000 | $ 95,000 |
| Pierce County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Rusk County Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 169,000 |
| Washington County Wisconsin | 1 | $ 2,000 | $ 2,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Hiway Credit Union in 2012
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 | 1,032 | $153,223,000 | $148,000 | $502,000 | $84,000 | $416,000 |
| Home Improvement | 352 | $10,076,000 | $28,000 | $417,000 | $81,000 | $740,000 |
| Home Purchase | 335 | $51,876,000 | $154,000 | $1,600,000 | $80,000 | $1,171,000 |
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 | 1,242 | $153,063,000 | $123,000 | $1,600,000 | $83,000 | $1,171,000 |
| Not Provided | 305 | $43,902,000 | $143,000 | $417,000 | $91,000 | $359,000 |
| Asian | 123 | $13,049,000 | $106,000 | $417,000 | $58,000 | $356,000 |
| Black or African American | 23 | $2,269,000 | $98,000 | $332,000 | $58,000 | $113,000 |
| Hispanic | 16 | $2,006,000 | $125,000 | $369,000 | $82,000 | $416,000 |
| American Indian or Alaskan Native | 8 | $553,000 | $69,000 | $141,000 | $56,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $333,000 | $166,000 | $199,000 | $88,000 | $133,000 |
| 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) | 1,719 | $215,175,000 | $125,000 | $1,600,000 | $83,000 | $1,171,000 |
| 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 | 1,197 | $142,601,000 | $119,000 | $417,000 | $83,000 | $416,000 |
| Application Denied By Financial Institution | 231 | $29,890,000 | $129,000 | $1,600,000 | $85,000 | $1,171,000 |
| Application Withdrawn By Applicant | 207 | $31,036,000 | $149,000 | $417,000 | $81,000 | $310,000 |
| File Closed For Incompleteness | 74 | $10,797,000 | $145,000 | $360,000 | $80,000 | $304,000 |
| Application Approved But Not Accepted | 10 | $851,000 | $85,000 | $208,000 | $66,000 | $165,000 |
| 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 | 17 | $2,174,000 | $127,000 | $285,000 | $68,000 | $145,000 |
| Collateral | 15 | $2,222,000 | $148,000 | $502,000 | $118,000 | $740,000 |
| Other | 14 | $1,935,000 | $138,000 | $272,000 | $70,000 | $157,000 |
| Debt-To-Income Ratio | 8 | $1,107,000 | $138,000 | $257,000 | $30,000 | $58,000 |
| Employment History | 2 | $442,000 | $221,000 | $230,000 | $48,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $143,000 | $143,000 | $143,000 | $74,000 | $74,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hiway Credit Union's 2012 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.