Hiway Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Hiway Credit Union 2022 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 | 1,618 |
| Total Mortgage Loan Application Amount | $231,760,000 |
| Average Mortgage Loan Application Amount | $155,800 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $108,600 |
| Highest Applicant Income | $2,655,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 455 | $ 65,035,000 | $ 142,000 | $ 90,000 |
| Hennepin County Minnesota | 238 | $ 33,230,000 | $ 139,000 | $ 114,000 |
| Washington County Minnesota | 179 | $ 26,585,000 | $ 148,000 | $ 119,000 |
| Dakota County Minnesota | 129 | $ 16,625,000 | $ 128,000 | $ 128,000 |
| Anoka County Minnesota | 108 | $ 16,300,000 | $ 150,000 | $ 107,000 |
| Chisago County Minnesota | 32 | $ 4,020,000 | $ 125,000 | $ 125,000 |
| Wright County Minnesota | 30 | $ 4,550,000 | $ 151,000 | $ 204,000 |
| Sherburne County Minnesota | 23 | $ 2,655,000 | $ 115,000 | $ 115,000 |
| St. Croix County Wisconsin | 23 | $ 2,835,000 | $ 123,000 | $ 212,000 |
| Scott County Minnesota | 22 | $ 2,190,000 | $ 99,000 | $ 149,000 |
| St. Louis County Minnesota | 17 | $ 1,975,000 | $ 116,000 | $ 112,000 |
| Crow Wing County Minnesota | 14 | $ 1,620,000 | $ 115,000 | $ 98,000 |
| Becker County Minnesota | 13 | $ 1,395,000 | $ 107,000 | $ 107,000 |
| Cass County Minnesota | 11 | $ 1,625,000 | $ 147,000 | $ 142,000 |
| Pine County Minnesota | 9 | $ 1,765,000 | $ 196,000 | $ 93,000 |
| Goodhue County Minnesota | 8 | $ 1,320,000 | $ 165,000 | $ 192,000 |
| Olmsted County Minnesota | 8 | $ 720,000 | $ 90,000 | $ 130,000 |
| Maricopa County Arizona | 7 | $ 765,000 | $ 109,000 | $ 115,000 |
| Carver County Minnesota | 7 | $ 945,000 | $ 135,000 | $ 165,000 |
| Rice County Minnesota | 7 | $ 1,525,000 | $ 217,000 | $ 94,000 |
| Pierce County Wisconsin | 7 | $ 1,125,000 | $ 160,000 | $ 120,000 |
| Beltrami County Minnesota | 6 | $ 430,000 | $ 71,000 | $ 98,000 |
| Isanti County Minnesota | 6 | $ 610,000 | $ 101,000 | $ 112,000 |
| Polk County Wisconsin | 6 | $ 420,000 | $ 70,000 | $ 80,000 |
| Blue Earth County Minnesota | 5 | $ 205,000 | $ 41,000 | $ 113,000 |
| Stearns County Minnesota | 5 | $ 1,115,000 | $ 223,000 | $ 172,000 |
| Johnson County Kansas | 4 | $ 290,000 | $ 72,000 | $ 122,000 |
| Aitkin County Minnesota | 4 | $ 230,000 | $ 57,000 | $ 78,000 |
| Clearwater County Minnesota | 4 | $ 470,000 | $ 117,000 | $ 128,000 |
| Dodge County Minnesota | 4 | $ 280,000 | $ 70,000 | $ 81,000 |
| Mille Lacs County Minnesota | 4 | $ 790,000 | $ 197,000 | $ 110,000 |
| Weld County Colorado | 3 | $ 145,000 | $ 48,000 | $ 146,000 |
| Charlotte County Florida | 3 | $ 545,000 | $ 181,000 | $ 79,000 |
| Sarasota County Florida | 3 | $ 1,135,000 | $ 378,000 | $ 324,000 |
| Kane County Illinois | 3 | $ 1,545,000 | $ 515,000 | $ 156,000 |
| Benton County Minnesota | 3 | $ 225,000 | $ 75,000 | $ 69,000 |
| Carlton County Minnesota | 3 | $ 405,000 | $ 135,000 | $ 91,000 |
| Itasca County Minnesota | 3 | $ 185,000 | $ 61,000 | $ 116,000 |
| Kandiyohi County Minnesota | 3 | $ 545,000 | $ 181,000 | $ 94,000 |
| Lyon County Minnesota | 3 | $ 225,000 | $ 75,000 | $ 67,000 |
| Martin County Minnesota | 3 | $ 345,000 | $ 115,000 | $ 96,000 |
| McLeod County Minnesota | 3 | $ 355,000 | $ 118,000 | $ 115,000 |
| Todd County Minnesota | 3 | $ 535,000 | $ 178,000 | $ 103,000 |
| Broomfield County Colorado | 2 | $ 210,000 | $ 105,000 | $ 137,000 |
| Jefferson County Colorado | 2 | $ 750,000 | $ 375,000 | $ 119,000 |
| Volusia County Florida | 2 | $ 610,000 | $ 305,000 | $ 131,000 |
| Cottonwood County Minnesota | 2 | $ 340,000 | $ 170,000 | $ 92,000 |
| Douglas County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 144,000 |
| Freeborn County Minnesota | 2 | $ 60,000 | $ 30,000 | $ 45,000 |
| Hubbard County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 234,000 |
| Koochiching County Minnesota | 2 | $ 360,000 | $ 180,000 | $ 166,000 |
| Lake County Minnesota | 2 | $ 240,000 | $ 120,000 | $ 103,000 |
| Le Sueur County Minnesota | 2 | $ 310,000 | $ 155,000 | $ 178,000 |
| Meeker County Minnesota | 2 | $ 370,000 | $ 185,000 | $ 87,000 |
| Morrison County Minnesota | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Otter Tail County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 160,000 |
| Pennington County Minnesota | 2 | $ 310,000 | $ 155,000 | $ 111,000 |
| Red Lake County Minnesota | 2 | $ 100,000 | $ 50,000 | $ 99,000 |
| Steele County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 110,000 |
| Wake County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 257,000 |
| Hughes County South Dakota | 2 | $ 470,000 | $ 235,000 | $ 140,000 |
| Minnehaha County South Dakota | 2 | $ 290,000 | $ 145,000 | $ 246,000 |
| Milwaukee County Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 82,000 |
| Sawyer County Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 229,000 |
| Cochise County Arizona | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Yavapai County Arizona | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Benton County Arkansas | 1 | $ 565,000 | $ 565,000 | $ 266,000 |
| Washington County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| El Paso County Colorado | 1 | $ 85,000 | $ 85,000 | $ 280,000 |
| Garfield County Colorado | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Larimer County Colorado | 1 | $ 95,000 | $ 95,000 | $ 96,000 |
| Middlesex County Connecticut | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Broward County Florida | 1 | $ 55,000 | $ 55,000 | $ 210,000 |
| Citrus County Florida | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Collier County Florida | 1 | $ 265,000 | $ 265,000 | $ 258,000 |
| Hillsborough County Florida | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Lee County Florida | 1 | $ 105,000 | $ 105,000 | $ 184,000 |
| Manatee County Florida | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Martin County Florida | 1 | $ 205,000 | $ 205,000 | $ 29,000 |
| Nassau County Florida | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Palm Beach County Florida | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Pinellas County Florida | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Sumter County Florida | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Fulton County Georgia | 1 | $ 245,000 | $ 245,000 | $ 104,000 |
| St. Joseph County Indiana | 1 | $ 105,000 | $ 105,000 | $ 257,000 |
| Cerro Gordo County Iowa | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Clinton County Iowa | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Webster County Iowa | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Sedgwick County Kansas | 1 | $ 65,000 | $ 65,000 | $ 258,000 |
| Wyandotte County Kansas | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Barren County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 178,000 |
| Montgomery County Maryland | 1 | $ 75,000 | $ 75,000 | $ 269,000 |
| Branch County Michigan | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| Ingham County Michigan | 1 | $ 85,000 | $ 85,000 | $ 124,000 |
| Brown County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Chippewa County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Clay County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 172,000 |
| Fillmore County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Grant County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Jackson County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 15,000 |
| Kanabec County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 176,000 |
| Lake of the Woods County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Pope County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Redwood County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Wabasha County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 165,000 |
| Jackson County Missouri | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Jefferson County Missouri | 1 | $ 55,000 | $ 55,000 | $ 154,000 |
| Montgomery County Missouri | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Lincoln County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Clark County Nevada | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| Dona Ana County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 23,000 |
| Otero County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Sandoval County New Mexico | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Cass County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Craig County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Mayes County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Brookings County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Lincoln County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 170,000 |
| Cumberland County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 118,000 |
| Overton County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Bell County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Windsor County Vermont | 1 | $ 275,000 | $ 275,000 | $ 168,000 |
| Fairfax County Virginia | 1 | $ 115,000 | $ 115,000 | $ 168,000 |
| King County Washington | 1 | $ 105,000 | $ 105,000 | $ 225,000 |
| Barron County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Bayfield County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 116,000 |
| Brown County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Burnett County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 154,000 |
| Dane County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 165,000 |
| Dunn County Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Eau Claire County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Iron County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Juneau County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 40,000 |
| La Crosse County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Langlade County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Monroe County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 258,000 |
| Racine County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Richland County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Sauk County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Waukesha County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 86,000 |
| Winnebago County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Hiway Credit Union in 2022
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 | 636 | $46,780,000 | $73,000 | $395,000 | $123,000 | $600,000 |
| Home Purchase | 458 | $113,890,000 | $248,000 | $925,000 | $99,000 | $1,200,000 |
| Other Purpose | 275 | $24,985,000 | $90,000 | $425,000 | $108,000 | $547,000 |
| Cash-out Refinancing | 152 | $28,530,000 | $187,000 | $475,000 | $126,000 | $2,655,000 |
| Refinancing | 97 | $17,575,000 | $181,000 | $575,000 | $87,000 | $350,000 |
| 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 | 881 | $112,395,000 | $127,000 | $575,000 | $128,000 | $2,655,000 |
| Asian | 401 | $71,985,000 | $179,000 | $925,000 | $80,000 | $400,000 |
| Not Provided | 229 | $32,035,000 | $139,000 | $645,000 | $110,000 | $394,000 |
| Black or African American | 64 | $10,160,000 | $158,000 | $545,000 | $98,000 | $547,000 |
| Hispanic | 28 | $2,860,000 | $102,000 | $355,000 | $129,000 | $1,200,000 |
| American Indian or Alaskan Native | 8 | $780,000 | $97,000 | $195,000 | $76,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $109,000 | $109,000 |
| 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) | 1,599 | $226,415,000 | $141,000 | $925,000 | $112,000 | $2,655,000 |
| FHA-insured (Federal Housing Administration) | 11 | $3,005,000 | $273,000 | $415,000 | $89,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,340,000 | $292,000 | $645,000 | $73,000 | $170,000 |
| 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 | 1,171 | $154,105,000 | $131,000 | $925,000 | $115,000 | $496,000 |
| Application Withdrawn By Applicant | 221 | $40,565,000 | $183,000 | $645,000 | $126,000 | $2,655,000 |
| Application Denied By Financial Institution | 130 | $23,500,000 | $180,000 | $545,000 | $75,000 | $1,200,000 |
| Application Approved But Not Accepted | 50 | $7,660,000 | $153,000 | $405,000 | $81,000 | $191,000 |
| File Closed For Incompleteness | 46 | $5,930,000 | $128,000 | $315,000 | $89,000 | $207,000 |
| 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 | 1,488 | $208,260,000 | $139,000 | $925,000 | $115,000 | $2,655,000 |
| Debt-To-Income Ratio | 74 | $13,400,000 | $181,000 | $545,000 | $54,000 | $195,000 |
| Credit History | 32 | $6,090,000 | $190,000 | $415,000 | $110,000 | $1,200,000 |
| Other | 15 | $2,875,000 | $191,000 | $455,000 | $93,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $630,000 | $157,000 | $255,000 | $80,000 | $128,000 |
| Employment History | 3 | $475,000 | $158,000 | $225,000 | $79,000 | $130,000 |
| Collateral | 2 | $30,000 | $15,000 | $15,000 | $95,000 | $163,000 |
| 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 Hiway Credit Union's 2022 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.