Home Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Home Federal Savings Bank 2009 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 | 1,676 |
| Total Mortgage Loan Application Amount | $236,220,000 |
| Average Mortgage Loan Application Amount | $105,666 |
| Highest Mortgage Loan Application Amount | $1,144,000 |
| Average Applicant Income | $80,333 |
| Highest Applicant Income | $1,235,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 644 | $ 110,992,000 | $ 172,000 | $ 113,000 |
| Fillmore County Minnesota | 137 | $ 14,774,000 | $ 107,000 | $ 54,000 |
| Mower County Minnesota | 127 | $ 13,290,000 | $ 104,000 | $ 54,000 |
| Marshall County Iowa | 117 | $ 10,288,000 | $ 87,000 | $ 59,000 |
| Winona County Minnesota | 105 | $ 12,820,000 | $ 122,000 | $ 69,000 |
| Houston County Minnesota | 65 | $ 8,555,000 | $ 131,000 | $ 59,000 |
| Freeborn County Minnesota | 63 | $ 6,064,000 | $ 96,000 | $ 59,000 |
| Hennepin County Minnesota | 52 | $ 8,517,000 | $ 163,000 | $ 97,000 |
| Tama County Iowa | 46 | $ 2,983,000 | $ 64,000 | $ 48,000 |
| Dodge County Minnesota | 37 | $ 4,692,000 | $ 126,000 | $ 72,000 |
| La Crosse County Wisconsin | 23 | $ 2,401,000 | $ 104,000 | $ 60,000 |
| Dakota County Minnesota | 21 | $ 4,640,000 | $ 220,000 | $ 121,000 |
| Goodhue County Minnesota | 17 | $ 2,412,000 | $ 141,000 | $ 72,000 |
| Wabasha County Minnesota | 17 | $ 3,063,000 | $ 180,000 | $ 78,000 |
| Buffalo County Wisconsin | 9 | $ 964,000 | $ 107,000 | $ 36,000 |
| Anoka County Minnesota | 8 | $ 1,269,000 | $ 158,000 | $ 95,000 |
| Wright County Minnesota | 8 | $ 1,350,000 | $ 168,000 | $ 117,000 |
| Steele County Minnesota | 7 | $ 890,000 | $ 127,000 | $ 80,000 |
| St. Croix County Wisconsin | 7 | $ 1,232,000 | $ 176,000 | $ 65,000 |
| Howard County Iowa | 6 | $ 315,000 | $ 52,000 | $ 44,000 |
| Ramsey County Minnesota | 6 | $ 997,000 | $ 166,000 | $ 175,000 |
| Carver County Minnesota | 4 | $ 1,051,000 | $ 262,000 | $ 82,000 |
| Washington County Minnesota | 4 | $ 1,070,000 | $ 267,000 | $ 235,000 |
| Mitchell County Iowa | 3 | $ 328,000 | $ 109,000 | $ 89,000 |
| Polk County Iowa | 3 | $ 334,000 | $ 111,000 | $ 116,000 |
| Sawyer County Wisconsin | 3 | $ 1,166,000 | $ 388,000 | $ 296,000 |
| Vernon County Wisconsin | 3 | $ 339,000 | $ 113,000 | $ 67,000 |
| Collier County Florida | 2 | $ 627,000 | $ 313,000 | $ 140,000 |
| Poweshiek County Iowa | 2 | $ 145,000 | $ 72,000 | $ 105,000 |
| Story County Iowa | 2 | $ 228,000 | $ 114,000 | $ 69,000 |
| Crow Wing County Minnesota | 2 | $ 533,000 | $ 266,000 | $ 157,000 |
| Lincoln County Minnesota | 2 | $ 286,000 | $ 143,000 | $ 259,000 |
| Rice County Minnesota | 2 | $ 471,000 | $ 235,000 | $ 86,000 |
| Waseca County Minnesota | 2 | $ 141,000 | $ 70,000 | $ 66,000 |
| Adams County Wisconsin | 2 | $ 178,000 | $ 89,000 | $ 137,000 |
| Bayfield County Wisconsin | 2 | $ 84,000 | $ 42,000 | $ 516,000 |
| Eau Claire County Wisconsin | 2 | $ 347,000 | $ 173,000 | $ 246,000 |
| Milwaukee County Wisconsin | 2 | $ 229,000 | $ 114,000 | $ 154,000 |
| Rusk County Wisconsin | 2 | $ 329,000 | $ 164,000 | $ 101,000 |
| Maricopa County Arizona | 1 | $ 402,000 | $ 402,000 | $ 464,000 |
| Pima County Arizona | 1 | $ 118,000 | $ 118,000 | $ 73,000 |
| Orange County California | 1 | $ 478,000 | $ 478,000 | $ 225,000 |
| Pitkin County Colorado | 1 | $ 384,000 | $ 384,000 | $ 478,000 |
| Cobb County Georgia | 1 | $ 208,000 | $ 208,000 | $ 225,000 |
| Benton County Iowa | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Bremer County Iowa | 1 | $ 93,000 | $ 93,000 | $ 122,000 |
| Grundy County Iowa | 1 | $ 97,000 | $ 97,000 | $ 74,000 |
| Hardin County Iowa | 1 | $ 40,000 | $ 40,000 | $ 33,000 |
| Jasper County Iowa | 1 | $ 206,000 | $ 206,000 | $ 114,000 |
| Linn County Iowa | 1 | $ 119,000 | $ 119,000 | $ 36,000 |
| Wapello County Iowa | 1 | $ 124,000 | $ 124,000 | $ 129,000 |
| Winnebago County Iowa | 1 | $ 30,000 | $ 30,000 | $ 59,000 |
| Worth County Iowa | 1 | $ 128,000 | $ 128,000 | $ 79,000 |
| Cass County Minnesota | 1 | $ 174,000 | $ 174,000 | $ 113,000 |
| Clay County Minnesota | 1 | $ 153,000 | $ 153,000 | $ 20,000 |
| Douglas County Minnesota | 1 | $ 190,000 | $ 190,000 | $ 124,000 |
| Faribault County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Hubbard County Minnesota | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Isanti County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 13,000 |
| Itasca County Minnesota | 1 | $ 97,000 | $ 97,000 | $ 85,000 |
| Kandiyohi County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 100,000 |
| Koochiching County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Lake County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 145,000 |
| Le Sueur County Minnesota | 1 | $ 358,000 | $ 358,000 | $ 59,000 |
| Mille Lacs County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 162,000 |
| Nicollet County Minnesota | 1 | $ 147,000 | $ 147,000 | $ 34,000 |
| Pine County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Scott County Minnesota | 1 | $ 700,000 | $ 700,000 | $ 226,000 |
| St. Louis County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| Barry County Missouri | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Douglas County Nebraska | 1 | $ 340,000 | $ 340,000 | $ 450,000 |
| Clark County Nevada | 1 | $ 101,000 | $ 101,000 | $ 56,000 |
| Grand Forks County North Dakota | 1 | $ 246,000 | $ 246,000 | $ 480,000 |
| Deschutes County Oregon | 1 | $ 156,000 | $ 156,000 | $ 80,000 |
| Codington County South Dakota | 1 | $ 283,000 | $ 283,000 | $ 436,000 |
| Barron County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 53,000 |
| Douglas County Wisconsin | 1 | $ 230,000 | $ 230,000 | $ 149,000 |
| Monroe County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 55,000 |
| Pierce County Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 245,000 |
| Sheboygan County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 242,000 |
| Washburn County Wisconsin | 1 | $ 81,000 | $ 81,000 | $ 96,000 |
| Teton County Wyoming | 1 | $ 1,000,000 | $ 1,000,000 | $ 910,000 |
Mortgage Loan Application Detail Totals for Home Federal Savings Bank in 2009
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 | 1,050 | $161,043,000 | $153,000 | $1,000,000 | $89,000 | $956,000 |
| Home Purchase | 507 | $72,464,000 | $142,000 | $1,144,000 | $86,000 | $1,235,000 |
| Home Improvement | 119 | $2,713,000 | $22,000 | $260,000 | $66,000 | $648,000 |
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 | 1,443 | $206,156,000 | $142,000 | $1,144,000 | $88,000 | $1,235,000 |
| Not Provided | 107 | $12,831,000 | $119,000 | $800,000 | $117,000 | $586,000 |
| Not applicable | 63 | $8,173,000 | $129,000 | $760,000 | $0 | $0 |
| Asian | 26 | $4,505,000 | $173,000 | $417,000 | $108,000 | $714,000 |
| Hispanic | 19 | $2,493,000 | $131,000 | $271,000 | $73,000 | $616,000 |
| Black or African American | 10 | $1,173,000 | $117,000 | $327,000 | $151,000 | $648,000 |
| American Indian or Alaskan Native | 5 | $473,000 | $94,000 | $200,000 | $66,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $416,000 | $138,000 | $151,000 | $60,000 | $77,000 |
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) | 1,479 | $212,644,000 | $143,000 | $1,144,000 | $92,000 | $1,235,000 |
| FHA-insured (Federal Housing Administration) | 155 | $18,737,000 | $120,000 | $371,000 | $44,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,657,000 | $102,000 | $181,000 | $34,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,182,000 | $136,000 | $237,000 | $52,000 | $91,000 |
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 | 1,031 | $140,069,000 | $135,000 | $1,144,000 | $88,000 | $956,000 |
| Application Withdrawn By Applicant | 365 | $62,941,000 | $172,000 | $1,000,000 | $108,000 | $1,235,000 |
| Application Denied By Financial Institution | 150 | $15,756,000 | $105,000 | $700,000 | $52,000 | $226,000 |
| Preapproval Denied by Financial Institution | 65 | $6,862,000 | $105,000 | $417,000 | $25,000 | $100,000 |
| Application Approved But Not Accepted | 54 | $7,637,000 | $141,000 | $417,000 | $87,000 | $450,000 |
| File Closed For Incompleteness | 9 | $2,754,000 | $306,000 | $895,000 | $118,000 | $312,000 |
| Preapproval Approved but not Accepted | 2 | $201,000 | $100,000 | $123,000 | $122,000 | $221,000 |
| 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 | 102 | $9,678,000 | $94,000 | $360,000 | $39,000 | $135,000 |
| Debt-To-Income Ratio | 62 | $6,963,000 | $112,000 | $700,000 | $43,000 | $226,000 |
| Collateral | 29 | $3,151,000 | $108,000 | $352,000 | $54,000 | $121,000 |
| Other | 9 | $989,000 | $109,000 | $325,000 | $66,000 | $173,000 |
| Employment History | 6 | $882,000 | $147,000 | $417,000 | $38,000 | $77,000 |
| Unverifiable Information | 3 | $220,000 | $73,000 | $87,000 | $25,000 | $33,000 |
| Credit Application Incomplete | 2 | $344,000 | $172,000 | $304,000 | $66,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $248,000 | $248,000 | $248,000 | $129,000 | $129,000 |
| Mortgage Insurance Denied | 1 | $143,000 | $143,000 | $143,000 | $60,000 | $60,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Savings Bank's 2009 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.