Home Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Home Federal Savings Bank 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 | Home Federal Savings Bank 1016 Civic Center Dr Nw Rochester, MN 55901 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 |
| Total Number of Mortgage Applications | 1,448 |
| Total Mortgage Loan Application Amount | $187,328,000 |
| Average Mortgage Loan Application Amount | $96,333 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $2,129,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 531 | $ 84,602,000 | $ 159,000 | $ 116,000 |
| Mower County Minnesota | 144 | $ 13,241,000 | $ 91,000 | $ 57,000 |
| Freeborn County Minnesota | 118 | $ 10,221,000 | $ 86,000 | $ 63,000 |
| Fillmore County Minnesota | 104 | $ 10,474,000 | $ 100,000 | $ 63,000 |
| Winona County Minnesota | 94 | $ 10,990,000 | $ 116,000 | $ 64,000 |
| Houston County Minnesota | 59 | $ 6,836,000 | $ 115,000 | $ 65,000 |
| Marshall County Iowa | 52 | $ 4,183,000 | $ 80,000 | $ 57,000 |
| Dodge County Minnesota | 27 | $ 3,497,000 | $ 129,000 | $ 75,000 |
| Tama County Iowa | 25 | $ 1,860,000 | $ 74,000 | $ 51,000 |
| Goodhue County Minnesota | 24 | $ 3,348,000 | $ 139,000 | $ 61,000 |
| La Crosse County Wisconsin | 24 | $ 2,656,000 | $ 110,000 | $ 172,000 |
| Dakota County Minnesota | 21 | $ 3,781,000 | $ 180,000 | $ 131,000 |
| Wabasha County Minnesota | 20 | $ 3,131,000 | $ 156,000 | $ 93,000 |
| Hennepin County Minnesota | 19 | $ 3,168,000 | $ 166,000 | $ 150,000 |
| Ramsey County Minnesota | 11 | $ 1,102,000 | $ 100,000 | $ 144,000 |
| Rice County Minnesota | 9 | $ 1,452,000 | $ 161,000 | $ 172,000 |
| Wright County Minnesota | 8 | $ 1,188,000 | $ 148,000 | $ 136,000 |
| Howard County Iowa | 6 | $ 562,000 | $ 93,000 | $ 63,000 |
| Anoka County Minnesota | 5 | $ 639,000 | $ 127,000 | $ 83,000 |
| Crow Wing County Minnesota | 5 | $ 868,000 | $ 173,000 | $ 85,000 |
| Steele County Minnesota | 5 | $ 338,000 | $ 67,000 | $ 48,000 |
| Buffalo County Wisconsin | 5 | $ 400,000 | $ 80,000 | $ 90,000 |
| Washington County Minnesota | 4 | $ 1,115,000 | $ 278,000 | $ 297,000 |
| Crawford County Wisconsin | 4 | $ 474,000 | $ 118,000 | $ 68,000 |
| Story County Iowa | 3 | $ 156,000 | $ 52,000 | $ 31,000 |
| Itasca County Minnesota | 3 | $ 364,000 | $ 121,000 | $ 78,000 |
| Le Sueur County Minnesota | 3 | $ 410,000 | $ 136,000 | $ 69,000 |
| Trempealeau County Wisconsin | 3 | $ 490,000 | $ 163,000 | $ 97,000 |
| Albany County Wyoming | 3 | $ 862,000 | $ 287,000 | $ 66,000 |
| Allamakee County Iowa | 2 | $ 411,000 | $ 205,000 | $ 91,000 |
| Benton County Iowa | 2 | $ 222,000 | $ 111,000 | $ 95,000 |
| Cerro Gordo County Iowa | 2 | $ 153,000 | $ 76,000 | $ 62,000 |
| Mitchell County Iowa | 2 | $ 179,000 | $ 89,000 | $ 63,000 |
| Cumberland County Maine | 2 | $ 786,000 | $ 393,000 | $ 628,000 |
| Cass County Minnesota | 2 | $ 315,000 | $ 157,000 | $ 142,000 |
| Martin County Minnesota | 2 | $ 110,000 | $ 55,000 | $ 60,000 |
| Scott County Minnesota | 2 | $ 271,000 | $ 135,000 | $ 74,000 |
| Sherburne County Minnesota | 2 | $ 463,000 | $ 231,000 | $ 72,000 |
| Stearns County Minnesota | 2 | $ 404,000 | $ 202,000 | $ 378,000 |
| St. Louis County Missouri | 2 | $ 82,000 | $ 41,000 | $ 223,000 |
| Barron County Wisconsin | 2 | $ 177,000 | $ 88,000 | $ 74,000 |
| Sawyer County Wisconsin | 2 | $ 190,000 | $ 95,000 | $ 81,000 |
| Kern County California | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Sacramento County California | 1 | $ 176,000 | $ 176,000 | $ 115,000 |
| El Paso County Colorado | 1 | $ 191,000 | $ 191,000 | $ 151,000 |
| Lake County Florida | 1 | $ 146,000 | $ 146,000 | $ 36,000 |
| Cook County Illinois | 1 | $ 86,000 | $ 86,000 | $ 72,000 |
| Henry County Illinois | 1 | $ 222,000 | $ 222,000 | $ 157,000 |
| Mercer County Illinois | 1 | $ 107,000 | $ 107,000 | $ 88,000 |
| St. Joseph County Indiana | 1 | $ 194,000 | $ 194,000 | $ 551,000 |
| Boone County Iowa | 1 | $ 5,000 | $ 5,000 | $ 65,000 |
| Dubuque County Iowa | 1 | $ 221,000 | $ 221,000 | $ 87,000 |
| Hardin County Iowa | 1 | $ 71,000 | $ 71,000 | $ 60,000 |
| Johnson County Iowa | 1 | $ 70,000 | $ 70,000 | $ 95,000 |
| Palo Alto County Iowa | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Poweshiek County Iowa | 1 | $ 76,000 | $ 76,000 | $ 50,000 |
| Winneshiek County Iowa | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| Livingston County Michigan | 1 | $ 191,000 | $ 191,000 | $ 143,000 |
| Aitkin County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 86,000 |
| Blue Earth County Minnesota | 1 | $ 111,000 | $ 111,000 | $ 57,000 |
| Carver County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Douglas County Minnesota | 1 | $ 117,000 | $ 117,000 | $ 115,000 |
| Lake County Minnesota | 1 | $ 278,000 | $ 278,000 | $ 138,000 |
| Nicollet County Minnesota | 1 | $ 90,000 | $ 90,000 | $ 67,000 |
| Nobles County Minnesota | 1 | $ 11,000 | $ 11,000 | $ 16,000 |
| Otter Tail County Minnesota | 1 | $ 102,000 | $ 102,000 | $ 39,000 |
| Swift County Minnesota | 1 | $ 118,000 | $ 118,000 | $ 80,000 |
| Waseca County Minnesota | 1 | $ 121,000 | $ 121,000 | $ 43,000 |
| Wake County North Carolina | 1 | $ 310,000 | $ 310,000 | $ 149,000 |
| Bell County Texas | 1 | $ 200,000 | $ 200,000 | $ 79,000 |
| Utah County Utah | 1 | $ 188,000 | $ 188,000 | $ 443,000 |
| Bayfield County Wisconsin | 1 | $ 260,000 | $ 260,000 | $ 285,000 |
| Chippewa County Wisconsin | 1 | $ 252,000 | $ 252,000 | $ 596,000 |
| Eau Claire County Wisconsin | 1 | $ 376,000 | $ 376,000 | $ 378,000 |
| Monroe County Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 198,000 |
| Polk County Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 733,000 |
| Vilas County Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 31,000 |
| Waushara County Wisconsin | 1 | $ 187,000 | $ 187,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Home Federal Savings Bank 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 | 1,004 | $141,812,000 | $141,000 | $417,000 | $98,000 | $943,000 |
| Home Purchase | 332 | $43,436,000 | $130,000 | $625,000 | $97,000 | $2,129,000 |
| Home Improvement | 112 | $2,080,000 | $18,000 | $139,000 | $54,000 | $144,000 |
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 | 1,308 | $174,282,000 | $133,000 | $625,000 | $94,000 | $2,129,000 |
| Not Provided | 67 | $3,959,000 | $59,000 | $417,000 | $98,000 | $603,000 |
| Hispanic | 30 | $3,611,000 | $120,000 | $417,000 | $79,000 | $335,000 |
| Asian | 18 | $2,226,000 | $123,000 | $367,000 | $160,000 | $669,000 |
| Black or African American | 16 | $1,742,000 | $108,000 | $214,000 | $49,000 | $87,000 |
| Not applicable | 8 | $1,365,000 | $170,000 | $400,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $143,000 | $143,000 | $143,000 | $62,000 | $62,000 |
| American Indian or Alaskan Native | 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) | 1,356 | $177,843,000 | $131,000 | $625,000 | $97,000 | $2,129,000 |
| FHA-insured (Federal Housing Administration) | 83 | $8,323,000 | $100,000 | $190,000 | $41,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 7 | $855,000 | $122,000 | $186,000 | $60,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $307,000 | $153,000 | $160,000 | $50,000 | $60,000 |
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 | $128,726,000 | $137,000 | $417,000 | $97,000 | $733,000 |
| Application Denied By Financial Institution | 197 | $16,948,000 | $86,000 | $417,000 | $56,000 | $584,000 |
| Application Approved But Not Accepted | 170 | $23,292,000 | $137,000 | $625,000 | $110,000 | $669,000 |
| Application Withdrawn By Applicant | 98 | $13,188,000 | $134,000 | $417,000 | $114,000 | $2,129,000 |
| Preapproval Denied by Financial Institution | 37 | $3,418,000 | $92,000 | $190,000 | $38,000 | $80,000 |
| Preapproval Approved but not Accepted | 10 | $1,756,000 | $175,000 | $380,000 | $354,000 | $2,129,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 112 | $8,912,000 | $79,000 | $257,000 | $49,000 | $120,000 |
| Debt-To-Income Ratio | 79 | $7,237,000 | $91,000 | $286,000 | $37,000 | $105,000 |
| Collateral | 27 | $3,338,000 | $123,000 | $417,000 | $118,000 | $584,000 |
| Employment History | 7 | $419,000 | $59,000 | $107,000 | $46,000 | $118,000 |
| Other | 6 | $240,000 | $40,000 | $119,000 | $58,000 | $98,000 |
| Unverifiable Information | 2 | $146,000 | $73,000 | $118,000 | $67,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $74,000 | $74,000 | $74,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Savings Bank'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 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.