Home Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Home Federal Savings Bank 2019 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 | 1,229 |
| Total Mortgage Loan Application Amount | $228,675,000 |
| Average Mortgage Loan Application Amount | $149,800 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $103,800 |
| Highest Applicant Income | $1,732,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 418 | $ 90,380,000 | $ 216,000 | $ 119,000 |
| Mower County Minnesota | 133 | $ 16,865,000 | $ 126,000 | $ 85,000 |
| Freeborn County Minnesota | 121 | $ 10,455,000 | $ 86,000 | $ 72,000 |
| Dodge County Minnesota | 81 | $ 13,895,000 | $ 171,000 | $ 98,000 |
| Fillmore County Minnesota | 74 | $ 9,160,000 | $ 123,000 | $ 80,000 |
| Winona County Minnesota | 68 | $ 9,350,000 | $ 137,000 | $ 76,000 |
| Houston County Minnesota | 38 | $ 6,810,000 | $ 179,000 | $ 82,000 |
| Dakota County Minnesota | 32 | $ 8,020,000 | $ 250,000 | $ 146,000 |
| Hennepin County Minnesota | 27 | $ 9,025,000 | $ 334,000 | $ 201,000 |
| Steele County Minnesota | 26 | $ 4,460,000 | $ 171,000 | $ 80,000 |
| Waukesha County Wisconsin | 20 | $ 6,270,000 | $ 313,000 | $ 143,000 |
| Marshall County Iowa | 16 | $ 1,240,000 | $ 77,000 | $ 71,000 |
| La Crosse County Wisconsin | 16 | $ 4,760,000 | $ 297,000 | $ 116,000 |
| Milwaukee County Wisconsin | 15 | $ 2,205,000 | $ 147,000 | $ 103,000 |
| Goodhue County Minnesota | 13 | $ 1,555,000 | $ 119,000 | $ 92,000 |
| Wabasha County Minnesota | 10 | $ 3,060,000 | $ 306,000 | $ 219,000 |
| Washington County Minnesota | 9 | $ 1,285,000 | $ 142,000 | $ 117,000 |
| Ramsey County Minnesota | 8 | $ 1,390,000 | $ 173,000 | $ 98,000 |
| Scott County Minnesota | 8 | $ 2,460,000 | $ 307,000 | $ 583,000 |
| Rice County Minnesota | 7 | $ 2,095,000 | $ 299,000 | $ 168,000 |
| Allamakee County Iowa | 6 | $ 1,260,000 | $ 210,000 | $ 102,000 |
| Eau Claire County Wisconsin | 6 | $ 1,780,000 | $ 296,000 | $ 224,000 |
| Washington County Wisconsin | 5 | $ 1,395,000 | $ 279,000 | $ 96,000 |
| Faribault County Minnesota | 4 | $ 150,000 | $ 37,000 | $ 70,000 |
| Wright County Minnesota | 4 | $ 1,240,000 | $ 310,000 | $ 148,000 |
| Maricopa County Arizona | 3 | $ 555,000 | $ 185,000 | $ 84,000 |
| Tama County Iowa | 3 | $ 175,000 | $ 58,000 | $ 51,000 |
| Anoka County Minnesota | 3 | $ 1,875,000 | $ 625,000 | $ 90,000 |
| Carver County Minnesota | 3 | $ 1,075,000 | $ 358,000 | $ 167,000 |
| Waseca County Minnesota | 3 | $ 495,000 | $ 165,000 | $ 104,000 |
| Sawyer County Wisconsin | 3 | $ 855,000 | $ 285,000 | $ 132,000 |
| Cook County Illinois | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Le Sueur County Minnesota | 2 | $ 760,000 | $ 380,000 | $ 186,000 |
| Otter Tail County Minnesota | 2 | $ 180,000 | $ 90,000 | $ 268,000 |
| Yellow Medicine County Minnesota | 2 | $ 160,000 | $ 80,000 | $ 50,000 |
| Winnebago County Wisconsin | 2 | $ 2,080,000 | $ 1,040,000 | $ 0 |
| Pima County Arizona | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Los Angeles County California | 1 | $ 565,000 | $ 565,000 | $ 118,000 |
| Charlotte County Florida | 1 | $ 405,000 | $ 405,000 | $ 396,000 |
| Leon County Florida | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Pinellas County Florida | 1 | $ 795,000 | $ 795,000 | $ 180,000 |
| Grundy County Iowa | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Mitchell County Iowa | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Winnebago County Iowa | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Blue Earth County Minnesota | 1 | $ 465,000 | $ 465,000 | $ 585,000 |
| Cook County Minnesota | 1 | $ 455,000 | $ 455,000 | $ 135,000 |
| Isanti County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| McLeod County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Mille Lacs County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 317,000 |
| Pine County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Stearns County Minnesota | 1 | $ 365,000 | $ 365,000 | $ 197,000 |
| Watonwan County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 12,000 |
| Lincoln County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Clark County Nevada | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Knox County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Utah County Utah | 1 | $ 245,000 | $ 245,000 | $ 450,000 |
| Barron County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Bayfield County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 225,000 |
| Buffalo County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Burnett County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Douglas County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 208,000 |
| Dunn County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Jefferson County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
| Monroe County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Ozaukee County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 152,000 |
| Pierce County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Racine County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Rock County Wisconsin | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Trempealeau County Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Vernon County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Vilas County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 202,000 |
| Washburn County Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 404,000 |
Mortgage Loan Application Detail Totals for Home Federal Savings Bank in 2019
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 | 560 | $115,430,000 | $206,000 | $1,685,000 | $103,000 | $723,000 |
| Refinancing | 287 | $69,585,000 | $242,000 | $1,505,000 | $147,000 | $1,732,000 |
| Cash-out Refinancing | 192 | $32,000,000 | $166,000 | $485,000 | $102,000 | $712,000 |
| Home Improvement | 129 | $6,385,000 | $49,000 | $1,455,000 | $70,000 | $291,000 |
| Other Purpose | 61 | $5,275,000 | $86,000 | $795,000 | $97,000 | $500,000 |
| 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 | 1,107 | $198,625,000 | $179,000 | $1,685,000 | $107,000 | $1,314,000 |
| Not Provided | 43 | $9,625,000 | $223,000 | $1,505,000 | $176,000 | $1,732,000 |
| Black or African American | 21 | $2,725,000 | $129,000 | $295,000 | $76,000 | $202,000 |
| Hispanic | 21 | $2,915,000 | $138,000 | $375,000 | $71,000 | $142,000 |
| Not applicable | 18 | $9,970,000 | $553,000 | $1,455,000 | $0 | $0 |
| Asian | 16 | $4,560,000 | $285,000 | $795,000 | $205,000 | $570,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $145,000 | $74,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $40,000 | $40,000 |
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) | 1,161 | $218,515,000 | $188,000 | $1,685,000 | $113,000 | $1,732,000 |
| FHA-insured (Federal Housing Administration) | 50 | $7,700,000 | $154,000 | $315,000 | $53,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,385,000 | $125,000 | $245,000 | $50,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,075,000 | $153,000 | $195,000 | $65,000 | $84,000 |
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 | 939 | $174,575,000 | $185,000 | $1,685,000 | $110,000 | $1,732,000 |
| Application Denied By Financial Institution | 146 | $21,290,000 | $145,000 | $1,205,000 | $92,000 | $1,200,000 |
| Application Withdrawn By Applicant | 141 | $31,225,000 | $221,000 | $1,395,000 | $126,000 | $1,080,000 |
| Application Approved But Not Accepted | 3 | $1,585,000 | $528,000 | $1,505,000 | $63,000 | $110,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,083 | $207,385,000 | $191,000 | $1,685,000 | $112,000 | $1,732,000 |
| Credit History | 47 | $4,325,000 | $92,000 | $795,000 | $69,000 | $396,000 |
| Debt-To-Income Ratio | 36 | $4,750,000 | $131,000 | $365,000 | $56,000 | $114,000 |
| Credit Application Incomplete | 34 | $7,450,000 | $219,000 | $1,205,000 | $119,000 | $385,000 |
| Collateral | 21 | $2,825,000 | $134,000 | $485,000 | $103,000 | $331,000 |
| Other | 6 | $1,450,000 | $241,000 | $805,000 | $284,000 | $1,200,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $485,000 | $485,000 | $485,000 | $176,000 | $176,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Home Federal Savings Bank's 2019 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.