Home Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Home Federal Savings Bank 2006 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 | Home Federal Savings Bank 1016 Civic Center Dr Nw Rochester, MN 55901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,375 |
| Total Mortgage Loan Application Amount | $169,274,000 |
| Average Mortgage Loan Application Amount | $98,333 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $65,333 |
| Highest Applicant Income | $1,043,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Home Federal Savings Bank. 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 Home Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Home Federal Savings Bank'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 Home Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Home Federal Savings Bank, 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 Home Federal Savings Bank's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Olmsted County Minnesota | 523 | $ 78,200,000 | $ 149,000 | $ 80,000 |
| Marshall County Iowa | 123 | $ 9,832,000 | $ 79,000 | $ 52,000 |
| Mower County Minnesota | 97 | $ 8,901,000 | $ 91,000 | $ 49,000 |
| Fillmore County Minnesota | 92 | $ 8,011,000 | $ 87,000 | $ 42,000 |
| Winona County Minnesota | 83 | $ 8,594,000 | $ 103,000 | $ 57,000 |
| Freeborn County Minnesota | 74 | $ 6,163,000 | $ 83,000 | $ 48,000 |
| Houston County Minnesota | 45 | $ 4,488,000 | $ 99,000 | $ 44,000 |
| Tama County Iowa | 33 | $ 2,327,000 | $ 70,000 | $ 44,000 |
| Dodge County Minnesota | 30 | $ 3,666,000 | $ 122,000 | $ 74,000 |
| Goodhue County Minnesota | 23 | $ 2,295,000 | $ 99,000 | $ 54,000 |
| Wabasha County Minnesota | 18 | $ 2,120,000 | $ 117,000 | $ 118,000 |
| St. Louis County Minnesota | 14 | $ 1,468,000 | $ 104,000 | $ 30,000 |
| La Crosse County Wisconsin | 12 | $ 1,287,000 | $ 107,000 | $ 114,000 |
| Dakota County Minnesota | 9 | $ 1,486,000 | $ 165,000 | $ 82,000 |
| Hennepin County Minnesota | 8 | $ 1,938,000 | $ 242,000 | $ 86,000 |
| Steele County Minnesota | 8 | $ 505,000 | $ 63,000 | $ 51,000 |
| Howard County Iowa | 5 | $ 579,000 | $ 115,000 | $ 32,000 |
| Ramsey County Minnesota | 5 | $ 960,000 | $ 192,000 | $ 73,000 |
| Rice County Minnesota | 5 | $ 324,000 | $ 64,000 | $ 29,000 |
| Poweshiek County Iowa | 4 | $ 429,000 | $ 107,000 | $ 72,000 |
| Wright County Minnesota | 4 | $ 866,000 | $ 216,000 | $ 113,000 |
| Buffalo County Wisconsin | 4 | $ 629,000 | $ 157,000 | $ 43,000 |
| Cook County Illinois | 3 | $ 482,000 | $ 160,000 | $ 114,000 |
| Jasper County Iowa | 3 | $ 352,000 | $ 117,000 | $ 78,000 |
| Story County Iowa | 3 | $ 327,000 | $ 109,000 | $ 68,000 |
| Anoka County Minnesota | 3 | $ 326,000 | $ 108,000 | $ 123,000 |
| Faribault County Minnesota | 3 | $ 308,000 | $ 102,000 | $ 30,000 |
| Scott County Minnesota | 3 | $ 321,000 | $ 107,000 | $ 69,000 |
| Minnehaha County South Dakota | 3 | $ 393,000 | $ 131,000 | $ 84,000 |
| Douglas County Wisconsin | 3 | $ 393,000 | $ 131,000 | $ 62,000 |
| Trempealeau County Wisconsin | 3 | $ 361,000 | $ 120,000 | $ 60,000 |
| Maricopa County Arizona | 2 | $ 536,000 | $ 268,000 | $ 32,000 |
| Monroe County Florida | 2 | $ 2,224,000 | $ 1,112,000 | $ 281,000 |
| Dallas County Iowa | 2 | $ 374,000 | $ 187,000 | $ 42,000 |
| Grundy County Iowa | 2 | $ 99,000 | $ 49,000 | $ 26,000 |
| Polk County Iowa | 2 | $ 406,000 | $ 203,000 | $ 75,000 |
| Warren County Iowa | 2 | $ 343,000 | $ 171,000 | $ 79,000 |
| Blue Earth County Minnesota | 2 | $ 514,000 | $ 257,000 | $ 212,000 |
| Hubbard County Minnesota | 2 | $ 289,000 | $ 144,000 | $ 56,000 |
| Lake County Minnesota | 2 | $ 460,000 | $ 230,000 | $ 94,000 |
| Mille Lacs County Minnesota | 2 | $ 453,000 | $ 226,000 | $ 95,000 |
| Morrison County Minnesota | 2 | $ 182,000 | $ 91,000 | $ 42,000 |
| Nicollet County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 77,000 |
| Stearns County Minnesota | 2 | $ 593,000 | $ 296,000 | $ 264,000 |
| Washington County Minnesota | 2 | $ 950,000 | $ 475,000 | $ 217,000 |
| Dane County Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 126,000 |
| St. Croix County Wisconsin | 2 | $ 776,000 | $ 388,000 | $ 11,000 |
| Vernon County Wisconsin | 2 | $ 208,000 | $ 104,000 | $ 50,000 |
| Washburn County Wisconsin | 2 | $ 815,000 | $ 407,000 | $ 92,000 |
| Osceola County Florida | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Tazewell County Illinois | 1 | $ 180,000 | $ 180,000 | $ 45,000 |
| Butler County Iowa | 1 | $ 108,000 | $ 108,000 | $ 22,000 |
| Clay County Iowa | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Decatur County Iowa | 1 | $ 62,000 | $ 62,000 | $ 38,000 |
| Delaware County Iowa | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
| Johnson County Iowa | 1 | $ 69,000 | $ 69,000 | $ 33,000 |
| Mitchell County Iowa | 1 | $ 56,000 | $ 56,000 | $ 40,000 |
| Winneshiek County Iowa | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Shawnee County Kansas | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| St. Clair County Michigan | 1 | $ 160,000 | $ 160,000 | $ 80,000 |
| Carlton County Minnesota | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Carver County Minnesota | 1 | $ 308,000 | $ 308,000 | $ 220,000 |
| Cook County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 54,000 |
| Isanti County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 240,000 |
| Itasca County Minnesota | 1 | $ 170,000 | $ 170,000 | $ 144,000 |
| Le Sueur County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Marshall County Minnesota | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Pine County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Renville County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Stevens County Minnesota | 1 | $ 148,000 | $ 148,000 | $ 41,000 |
| Swift County Minnesota | 1 | $ 153,000 | $ 153,000 | $ 51,000 |
| Waseca County Minnesota | 1 | $ 24,000 | $ 24,000 | $ 27,000 |
| Jackson County Missouri | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Stone County Missouri | 1 | $ 74,000 | $ 74,000 | $ 54,000 |
| Camden County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 47,000 |
| Horry County South Carolina | 1 | $ 700,000 | $ 700,000 | $ 410,000 |
| Grant County South Dakota | 1 | $ 80,000 | $ 80,000 | $ 62,000 |
| Hamilton County Tennessee | 1 | $ 220,000 | $ 220,000 | $ 67,000 |
| Chippewa County Wisconsin | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Monroe County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Sauk County Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 438,000 |
Mortgage Loan Application Detail Totals for Home Federal Savings Bank in 2006
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 Purchase | 665 | $101,523,000 | $152,000 | $1,128,000 | $69,000 | $863,000 |
| Refinancing | 540 | $63,181,000 | $117,000 | $1,112,000 | $61,000 | $820,000 |
| Home Improvement | 170 | $4,570,000 | $26,000 | $1,350,000 | $66,000 | $1,043,000 |
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 | 1,257 | $153,505,000 | $122,000 | $1,350,000 | $67,000 | $1,043,000 |
| Hispanic | 28 | $3,166,000 | $113,000 | $540,000 | $51,000 | $233,000 |
| Not applicable | 27 | $4,083,000 | $151,000 | $432,000 | $0 | $0 |
| Not Provided | 26 | $3,444,000 | $132,000 | $584,000 | $80,000 | $411,000 |
| Asian | 17 | $2,887,000 | $169,000 | $680,000 | $52,000 | $132,000 |
| Black or African American | 10 | $1,081,000 | $108,000 | $240,000 | $139,000 | $299,000 |
| American Indian or Alaskan Native | 10 | $1,108,000 | $110,000 | $244,000 | $27,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,364 | $168,038,000 | $123,000 | $1,350,000 | $66,000 | $1,043,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $865,000 | $108,000 | $154,000 | $30,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 2 | $313,000 | $156,000 | $169,000 | $97,000 | $121,000 |
| FHA-insured (Federal Housing Administration) | 1 | $58,000 | $58,000 | $58,000 | $17,000 | $17,000 |
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 | 936 | $115,142,000 | $123,000 | $1,350,000 | $71,000 | $1,043,000 |
| Application Withdrawn By Applicant | 251 | $32,396,000 | $129,000 | $720,000 | $64,000 | $855,000 |
| Application Denied By Financial Institution | 122 | $15,267,000 | $125,000 | $800,000 | $45,000 | $276,000 |
| Preapproval Denied by Financial Institution | 61 | $6,140,000 | $100,000 | $220,000 | $36,000 | $121,000 |
| Application Approved But Not Accepted | 4 | $314,000 | $78,000 | $115,000 | $45,000 | $75,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $44,000 | $44,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 85 | $9,091,000 | $106,000 | $504,000 | $41,000 | $240,000 |
| Debt-To-Income Ratio | 51 | $7,463,000 | $146,000 | $800,000 | $43,000 | $113,000 |
| Credit Application Incomplete | 14 | $1,439,000 | $102,000 | $168,000 | $33,000 | $65,000 |
| Collateral | 11 | $1,128,000 | $102,000 | $241,000 | $71,000 | $276,000 |
| Other | 10 | $1,053,000 | $105,000 | $263,000 | $43,000 | $98,000 |
| Employment History | 6 | $678,000 | $113,000 | $176,000 | $26,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $131,000 | $43,000 | $108,000 | $49,000 | $68,000 |
| Unverifiable Information | 2 | $180,000 | $90,000 | $110,000 | $24,000 | $48,000 |
| Mortgage Insurance Denied | 1 | $244,000 | $244,000 | $244,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Savings Bank's 2006 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 Home Federal Savings Bank'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.