Hiway Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Hiway Credit Union of Saint Paul, MN reported 2,177 mortgage applications totaling $379.6 million, down 12% from 2020. The average application was for $174,379, and applicants reported an average income of $105,832. 72% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,721), Duluth, MN-WI (42) and Mankato-North Mankato, MN (17) (applications in parentheses).
| 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 | 2,177 |
| Total Mortgage Loan Application Amount | $379,625,000 |
| Average Mortgage Loan Application Amount | $174,379 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $105,832 |
| Highest Applicant Income | $3,528,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hiway Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ramsey, Minnesota | 631 | $ 104,845,000 | $ 166,156 | $ 87,000 |
| Hennepin, Minnesota | 295 | $ 49,765,000 | $ 168,694 | $ 108,000 |
| Washington, Minnesota | 267 | $ 51,655,000 | $ 193,464 | $ 136,000 |
| Dakota, Minnesota | 177 | $ 34,045,000 | $ 192,344 | $ 119,000 |
| Anoka, Minnesota | 171 | $ 33,385,000 | $ 195,233 | $ 105,000 |
| Chisago, Minnesota | 45 | $ 9,265,000 | $ 205,888 | $ 103,000 |
| Wright, Minnesota | 29 | $ 3,875,000 | $ 133,620 | $ 120,000 |
| Scott, Minnesota | 28 | $ 4,880,000 | $ 174,285 | $ 132,000 |
| St. Louis, Minnesota | 28 | $ 3,150,000 | $ 112,500 | $ 89,000 |
| Sherburne, Minnesota | 18 | $ 2,710,000 | $ 150,555 | $ 137,000 |
| St. Croix, Wisconsin | 17 | $ 3,045,000 | $ 179,117 | $ 115,000 |
| Carver, Minnesota | 16 | $ 2,320,000 | $ 145,000 | $ 121,000 |
| Crow Wing, Minnesota | 15 | $ 4,265,000 | $ 284,333 | $ 85,000 |
| Becker, Minnesota | 13 | $ 1,705,000 | $ 131,153 | $ 98,000 |
| Blue Earth, Minnesota | 12 | $ 1,420,000 | $ 118,333 | $ 80,000 |
| Cass, Minnesota | 11 | $ 2,375,000 | $ 215,909 | $ 175,000 |
| Isanti, Minnesota | 11 | $ 1,935,000 | $ 175,909 | $ 85,000 |
| Kandiyohi, Minnesota | 11 | $ 1,015,000 | $ 92,272 | $ 85,000 |
| Pine, Minnesota | 11 | $ 1,685,000 | $ 153,181 | $ 115,000 |
| Goodhue, Minnesota | 10 | $ 1,450,000 | $ 145,000 | $ 84,000 |
| Olmsted, Minnesota | 10 | $ 1,190,000 | $ 119,000 | $ 69,000 |
| Stearns, Minnesota | 10 | $ 1,570,000 | $ 157,000 | $ 137,000 |
| Carlton, Minnesota | 9 | $ 1,405,000 | $ 156,111 | $ 85,000 |
| Itasca, Minnesota | 9 | $ 1,425,000 | $ 158,333 | $ 118,000 |
| Rice, Minnesota | 8 | $ 1,110,000 | $ 138,750 | $ 77,000 |
| Mille Lacs, Minnesota | 7 | $ 1,575,000 | $ 225,000 | $ 120,000 |
| Maricopa, Arizona | 6 | $ 1,560,000 | $ 260,000 | $ 134,000 |
| Lee, Florida | 6 | $ 1,540,000 | $ 256,666 | $ 122,000 |
| Otter Tail, Minnesota | 6 | $ 800,000 | $ 133,333 | $ 103,000 |
| Pierce, Wisconsin | 6 | $ 1,140,000 | $ 190,000 | $ 138,000 |
| Beltrami, Minnesota | 5 | $ 515,000 | $ 103,000 | $ 104,000 |
| Douglas, Minnesota | 5 | $ 975,000 | $ 195,000 | $ 107,000 |
| Morrison, Minnesota | 5 | $ 755,000 | $ 151,000 | $ 86,000 |
| Nicollet, Minnesota | 5 | $ 615,000 | $ 123,000 | $ 70,000 |
| Burnett, Wisconsin | 5 | $ 1,025,000 | $ 205,000 | $ 187,000 |
| Eau Claire, Wisconsin | 5 | $ 565,000 | $ 113,000 | $ 211,000 |
| Polk, Wisconsin | 5 | $ 455,000 | $ 91,000 | $ 110,000 |
| Fulton, Georgia | 4 | $ 1,320,000 | $ 330,000 | $ 120,000 |
| Benton, Minnesota | 4 | $ 330,000 | $ 82,500 | $ 61,000 |
| Mower, Minnesota | 4 | $ 480,000 | $ 120,000 | $ 95,000 |
| Carroll, Arkansas | 3 | $ 335,000 | $ 111,666 | $ 71,000 |
| Hillsborough, Florida | 3 | $ 335,000 | $ 111,666 | $ 112,000 |
| Dodge, Minnesota | 3 | $ 275,000 | $ 91,666 | $ 99,000 |
| Freeborn, Minnesota | 3 | $ 245,000 | $ 81,666 | $ 113,000 |
| Hubbard, Minnesota | 3 | $ 375,000 | $ 125,000 | $ 138,000 |
| Koochiching, Minnesota | 3 | $ 295,000 | $ 98,333 | $ 124,000 |
| Lake, Minnesota | 3 | $ 365,000 | $ 121,666 | $ 81,000 |
| Le Sueur, Minnesota | 3 | $ 545,000 | $ 181,666 | $ 181,000 |
| Martin, Minnesota | 3 | $ 225,000 | $ 75,000 | $ 79,000 |
| Dunn, Wisconsin | 3 | $ 375,000 | $ 125,000 | $ 58,000 |
| Mohave, Arizona | 2 | $ 250,000 | $ 125,000 | $ 161,000 |
| Manatee, Florida | 2 | $ 270,000 | $ 135,000 | $ 47,000 |
| Aitkin, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 106,000 |
| Brown, Minnesota | 2 | $ 150,000 | $ 75,000 | $ 74,000 |
| Chippewa, Minnesota | 2 | $ 560,000 | $ 280,000 | $ 141,000 |
| Cottonwood, Minnesota | 2 | $ 400,000 | $ 200,000 | $ 76,000 |
| Faribault, Minnesota | 2 | $ 280,000 | $ 140,000 | $ 59,000 |
| Fillmore, Minnesota | 2 | $ 350,000 | $ 175,000 | $ 108,000 |
| Meeker, Minnesota | 2 | $ 580,000 | $ 290,000 | $ 160,000 |
| Pennington, Minnesota | 2 | $ 180,000 | $ 90,000 | $ 102,000 |
| Pope, Minnesota | 2 | $ 490,000 | $ 245,000 | $ 89,000 |
| Redwood, Minnesota | 2 | $ 250,000 | $ 125,000 | $ 70,000 |
| Roseau, Minnesota | 2 | $ 330,000 | $ 165,000 | $ 74,000 |
| Wadena, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 187,000 |
| Waseca, Minnesota | 2 | $ 80,000 | $ 40,000 | $ 130,000 |
| Winona, Minnesota | 2 | $ 410,000 | $ 205,000 | $ 90,000 |
| Pembina, North Dakota | 2 | $ 110,000 | $ 55,000 | $ 45,000 |
| Bayfield, Wisconsin | 2 | $ 240,000 | $ 120,000 | $ 155,000 |
| Chippewa, Wisconsin | 2 | $ 260,000 | $ 130,000 | $ 128,000 |
| Douglas, Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 116,000 |
| Pepin, Wisconsin | 2 | $ 670,000 | $ 335,000 | $ 138,000 |
| Sawyer, Wisconsin | 2 | $ 500,000 | $ 250,000 | $ 233,000 |
| Pinal, Arizona | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Benton, Arkansas | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Adams, Colorado | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Broomfield, Colorado | 1 | $ 35,000 | $ 35,000 | $ 136,000 |
| Douglas, Colorado | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| El Paso, Colorado | 1 | $ 25,000 | $ 25,000 | $ 316,000 |
| Bay, Florida | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Brevard, Florida | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Charlotte, Florida | 1 | $ 75,000 | $ 75,000 | $ 152,000 |
| Hernando, Florida | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Lake, Florida | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Marion, Florida | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| Palm Beach, Florida | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Polk, Florida | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Sarasota, Florida | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Seminole, Florida | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| St. Johns, Florida | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| St. Lucie, Florida | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Sumter, Florida | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Ada, Idaho | 1 | $ 155,000 | $ 155,000 | $ 181,000 |
| DuPage, Illinois | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| McHenry, Illinois | 1 | $ 75,000 | $ 75,000 | $ 203,000 |
| Des Moines, Iowa | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Story, Iowa | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Winnebago, Iowa | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Johnson, Kansas | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Sedgwick, Kansas | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Shawnee, Kansas | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Baltimore, Maryland | 1 | $ 525,000 | $ 525,000 | $ 187,000 |
| Muskegon, Michigan | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Cook, Minnesota | 1 | $ 315,000 | $ 315,000 | $ 81,000 |
| Grant, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 111,000 |
| Houston, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 159,000 |
| Jackson, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Kanabec, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Kittson, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Lac qui Parle, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 202,000 |
| Lyon, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Nobles, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 121,000 |
| Pipestone, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Red Lake, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Renville, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Sibley, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 93,000 |
| Steele, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 154,000 |
| Swift, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Wabasha, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 286,000 |
| Yellow Medicine, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Quitman, Mississippi | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Rankin, Mississippi | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Clay, Missouri | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Lawrence, Missouri | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Montgomery, Missouri | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| St. Charles, Missouri | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| St. Louis, Missouri | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| St. Louis City, Missouri | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Warren, Missouri | 1 | $ 155,000 | $ 155,000 | $ 93,000 |
| Park, Montana | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Scotts Bluff, Nebraska | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Alamance, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Wake, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 259,000 |
| Cass, North Dakota | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Grand Forks, North Dakota | 1 | $ 145,000 | $ 145,000 | $ 205,000 |
| Williams, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Geauga, Ohio | 1 | $ 275,000 | $ 275,000 | $ 192,000 |
| Adair, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Muskogee, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 117,000 |
| Nowata, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Wagoner, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Lincoln, Oregon | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Multnomah, Oregon | 1 | $ 65,000 | $ 65,000 | $ 174,000 |
| Washington, Oregon | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Centre, Pennsylvania | 1 | $ 515,000 | $ 515,000 | $ 141,000 |
| Bristol, Rhode Island | 1 | $ 165,000 | $ 165,000 | $ 225,000 |
| Lincoln, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Minnehaha, South Dakota | 1 | $ 195,000 | $ 195,000 | $ 134,000 |
| Rutherford, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Sumner, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Salt Lake, Utah | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Clallam, Washington | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| King, Washington | 1 | $ 35,000 | $ 35,000 | $ 106,000 |
| Brown, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Dodge, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Iron, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Milwaukee, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Portage, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Racine, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Sheboygan, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Walworth, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Washburn, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 139,000 |
| Waukesha, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Hiway Credit Union in 2021
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 | 565 | $104,225,000 | $184,000 | $975,000 | $98,000 | $2,073,000 |
| Cash-out Refinancing | 512 | $98,290,000 | $191,000 | $595,000 | $94,000 | $316,000 |
| Home Purchase | 510 | $129,480,000 | $253,000 | $1,265,000 | $107,000 | $3,528,000 |
| Home Improvement | 448 | $32,500,000 | $72,000 | $345,000 | $125,000 | $2,284,000 |
| Other Purpose | 142 | $15,130,000 | $106,000 | $445,000 | $115,000 | $471,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,200 | $200,560,000 | $167,000 | $1,265,000 | $118,000 | $3,528,000 |
| Asian | 587 | $111,945,000 | $190,000 | $595,000 | $80,000 | $2,073,000 |
| Not Provided | 257 | $43,905,000 | $170,000 | $965,000 | $116,000 | $2,284,000 |
| Black or African American | 79 | $14,635,000 | $185,000 | $545,000 | $95,000 | $816,000 |
| Hispanic | 32 | $5,150,000 | $160,000 | $515,000 | $89,000 | $240,000 |
| American Indian or Alaskan Native | 10 | $1,660,000 | $166,000 | $275,000 | $103,000 | $314,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $41,000 | $41,000 |
| 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) | 2,158 | $374,800,000 | $173,000 | $1,265,000 | $105,000 | $3,528,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,810,000 | $234,000 | $365,000 | $234,000 | $816,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,015,000 | $287,000 | $515,000 | $92,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,577 | $266,285,000 | $168,000 | $975,000 | $106,000 | $2,284,000 |
| Application Withdrawn By Applicant | 241 | $45,345,000 | $188,000 | $965,000 | $112,000 | $3,528,000 |
| Application Approved But Not Accepted | 135 | $25,185,000 | $186,000 | $545,000 | $93,000 | $349,000 |
| Application Denied By Financial Institution | 114 | $22,040,000 | $193,000 | $505,000 | $108,000 | $1,258,000 |
| File Closed For Incompleteness | 110 | $20,770,000 | $188,000 | $1,265,000 | $108,000 | $769,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,063 | $357,585,000 | $173,000 | $1,265,000 | $106,000 | $3,528,000 |
| Debt-To-Income Ratio | 57 | $11,255,000 | $197,000 | $505,000 | $55,000 | $163,000 |
| Credit History | 29 | $5,395,000 | $186,000 | $465,000 | $176,000 | $816,000 |
| Other | 23 | $4,535,000 | $197,000 | $455,000 | $173,000 | $1,258,000 |
| Unverifiable Information | 2 | $300,000 | $150,000 | $195,000 | $67,000 | $80,000 |
| Collateral | 2 | $250,000 | $125,000 | $195,000 | $132,000 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $305,000 | $305,000 | $305,000 | $56,000 | $56,000 |
| 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 Hiway Credit Union's 2021 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.
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with aggregated HMDA statistics today.
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