Midcountry Bank Mortgage Lending & HMDA Data, 2012
In 2012, Midcountry Bank of Bloomington, MN reported 1,525 mortgage applications totaling $231.3 million, up 15% from 2011. The average application was for $151,691, and applicants reported an average income of $70,093. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (902), St. Cloud, MN (45) and Rochester, MN (18) (applications in parentheses).
| Mortgage Company & Address | Midcountry Bank 7825 Washington Ave. S., Ste. 120 Bloomington, MN 55439 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,525 |
| Total Mortgage Loan Application Amount | $231,329,000 |
| Average Mortgage Loan Application Amount | $151,691 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $70,093 |
| Highest Applicant Income | $1,518,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Midcountry Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin, Minnesota | 311 | $ 57,902,000 | $ 186,180 | $ 79,000 |
| Dakota, Minnesota | 131 | $ 21,307,000 | $ 162,648 | $ 72,000 |
| Ramsey, Minnesota | 131 | $ 22,409,000 | $ 171,061 | $ 59,000 |
| Anoka, Minnesota | 96 | $ 17,372,000 | $ 180,958 | $ 58,000 |
| McLeod, Minnesota | 77 | $ 7,009,000 | $ 91,025 | $ 79,000 |
| Washington, Minnesota | 72 | $ 12,848,000 | $ 178,444 | $ 76,000 |
| Williamson, Illinois | 59 | $ 4,862,000 | $ 82,406 | $ 63,000 |
| Carver, Minnesota | 48 | $ 8,341,000 | $ 173,770 | $ 101,000 |
| Wright, Minnesota | 38 | $ 5,490,000 | $ 144,473 | $ 67,000 |
| Franklin, Illinois | 34 | $ 1,982,000 | $ 58,294 | $ 50,000 |
| Stearns, Minnesota | 33 | $ 4,522,000 | $ 137,030 | $ 60,000 |
| Meeker, Minnesota | 26 | $ 2,861,000 | $ 110,038 | $ 72,000 |
| Sherburne, Minnesota | 25 | $ 3,474,000 | $ 138,960 | $ 55,000 |
| Scott, Minnesota | 20 | $ 3,293,000 | $ 164,650 | $ 78,000 |
| Kandiyohi, Minnesota | 19 | $ 2,729,000 | $ 143,631 | $ 68,000 |
| Olmsted, Minnesota | 18 | $ 2,041,000 | $ 113,388 | $ 38,000 |
| Jefferson, Illinois | 17 | $ 707,000 | $ 41,588 | $ 58,000 |
| Sibley, Minnesota | 16 | $ 1,157,000 | $ 72,312 | $ 51,000 |
| Jackson, Illinois | 13 | $ 1,354,000 | $ 104,153 | $ 84,000 |
| Benton, Minnesota | 12 | $ 1,199,000 | $ 99,916 | $ 45,000 |
| Saline, Illinois | 9 | $ 729,000 | $ 81,000 | $ 33,000 |
| St. Croix, Wisconsin | 9 | $ 2,137,000 | $ 237,444 | $ 89,000 |
| Massac, Illinois | 8 | $ 476,000 | $ 59,500 | $ 57,000 |
| Isanti, Minnesota | 8 | $ 1,219,000 | $ 152,375 | $ 72,000 |
| Chisago, Minnesota | 7 | $ 1,339,000 | $ 191,285 | $ 62,000 |
| Jackson, Missouri | 7 | $ 770,000 | $ 110,000 | $ 10,000 |
| Douglas, Nebraska | 7 | $ 789,000 | $ 112,714 | $ 21,000 |
| Lancaster, Nebraska | 7 | $ 898,000 | $ 128,285 | $ 0 |
| Orange, Florida | 6 | $ 1,132,000 | $ 188,666 | $ 68,000 |
| Blue Earth, Minnesota | 6 | $ 571,000 | $ 95,166 | $ 52,000 |
| Itasca, Minnesota | 6 | $ 803,000 | $ 133,833 | $ 97,000 |
| Rice, Minnesota | 6 | $ 822,000 | $ 137,000 | $ 65,000 |
| Pierce, Wisconsin | 6 | $ 922,000 | $ 153,666 | $ 78,000 |
| Johnson, Illinois | 5 | $ 446,000 | $ 89,200 | $ 47,000 |
| Cass, Minnesota | 5 | $ 651,000 | $ 130,200 | $ 144,000 |
| Maricopa, Arizona | 4 | $ 845,000 | $ 211,250 | $ 124,000 |
| Nicollet, Minnesota | 4 | $ 498,000 | $ 124,500 | $ 45,000 |
| Renville, Minnesota | 4 | $ 280,000 | $ 70,000 | $ 35,000 |
| St. Louis, Minnesota | 4 | $ 318,000 | $ 79,500 | $ 36,000 |
| Milwaukee, Wisconsin | 4 | $ 579,000 | $ 144,750 | $ 0 |
| Kern, California | 3 | $ 555,000 | $ 185,000 | $ 111,000 |
| DeKalb, Georgia | 3 | $ 320,000 | $ 106,666 | $ 70,000 |
| Hamilton, Illinois | 3 | $ 189,000 | $ 63,000 | $ 68,000 |
| Union, Illinois | 3 | $ 415,000 | $ 138,333 | $ 61,000 |
| Crow Wing, Minnesota | 3 | $ 589,000 | $ 196,333 | $ 157,000 |
| Hubbard, Minnesota | 3 | $ 590,000 | $ 196,666 | $ 74,000 |
| Mille Lacs, Minnesota | 3 | $ 283,000 | $ 94,333 | $ 40,000 |
| Pine, Minnesota | 3 | $ 428,000 | $ 142,666 | $ 91,000 |
| Sarpy, Nebraska | 3 | $ 347,000 | $ 115,666 | $ 26,000 |
| Philadelphia, Pennsylvania | 3 | $ 365,000 | $ 121,666 | $ 77,000 |
| Greenville, South Carolina | 3 | $ 694,000 | $ 231,333 | $ 93,000 |
| Lonoke, Arkansas | 2 | $ 296,000 | $ 148,000 | $ 50,000 |
| Broward, Florida | 2 | $ 544,000 | $ 272,000 | $ 90,000 |
| Hillsborough, Florida | 2 | $ 325,000 | $ 162,500 | $ 74,000 |
| Chatham, Georgia | 2 | $ 261,000 | $ 130,500 | $ 44,000 |
| Alexander, Illinois | 2 | $ 54,000 | $ 27,000 | $ 24,000 |
| Cook, Illinois | 2 | $ 335,000 | $ 167,500 | $ 87,000 |
| Perry, Illinois | 2 | $ 90,000 | $ 45,000 | $ 90,000 |
| Johnson, Kansas | 2 | $ 451,000 | $ 225,500 | $ 46,000 |
| Wayne, Michigan | 2 | $ 84,000 | $ 42,000 | $ 38,000 |
| Douglas, Minnesota | 2 | $ 383,000 | $ 191,500 | $ 403,000 |
| Otter Tail, Minnesota | 2 | $ 317,000 | $ 158,500 | $ 78,000 |
| Clark, Nevada | 2 | $ 535,000 | $ 267,500 | $ 70,000 |
| Bergen, New Jersey | 2 | $ 526,000 | $ 263,000 | $ 123,000 |
| Sampson, North Carolina | 2 | $ 588,000 | $ 294,000 | $ 64,000 |
| Cleveland, Oklahoma | 2 | $ 349,000 | $ 174,500 | $ 62,000 |
| Providence, Rhode Island | 2 | $ 561,000 | $ 280,500 | $ 63,000 |
| Bell, Texas | 2 | $ 172,000 | $ 86,000 | $ 56,000 |
| Harris, Texas | 2 | $ 162,000 | $ 81,000 | $ 63,000 |
| Fairfax, Virginia | 2 | $ 680,000 | $ 340,000 | $ 113,000 |
| King, Washington | 2 | $ 287,000 | $ 143,500 | $ 120,000 |
| Douglas, Wisconsin | 2 | $ 242,000 | $ 121,000 | $ 9,000 |
| Dale, Alabama | 1 | $ 198,000 | $ 198,000 | $ 82,000 |
| Jefferson, Alabama | 1 | $ 189,000 | $ 189,000 | $ 141,000 |
| Lee, Alabama | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Pima, Arizona | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Sebastian, Arkansas | 1 | $ 220,000 | $ 220,000 | $ 550,000 |
| Riverside, California | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Sacramento, California | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| San Bernardino, California | 1 | $ 208,000 | $ 208,000 | $ 89,000 |
| San Joaquin, California | 1 | $ 350,000 | $ 350,000 | $ 86,000 |
| Sonoma, California | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Tehama, California | 1 | $ 6,000 | $ 6,000 | $ 48,000 |
| Tuolumne, California | 1 | $ 18,000 | $ 18,000 | $ 82,000 |
| Yuba, California | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| El Paso, Colorado | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Alachua, Florida | 1 | $ 8,000 | $ 8,000 | $ 69,000 |
| Brevard, Florida | 1 | $ 61,000 | $ 61,000 | $ 75,000 |
| Collier, Florida | 1 | $ 296,000 | $ 296,000 | $ 87,000 |
| Duval, Florida | 1 | $ 152,000 | $ 152,000 | $ 68,000 |
| Okaloosa, Florida | 1 | $ 230,000 | $ 230,000 | $ 325,000 |
| Pasco, Florida | 1 | $ 3,000 | $ 3,000 | $ 46,000 |
| Seminole, Florida | 1 | $ 96,000 | $ 96,000 | $ 167,000 |
| St. Johns, Florida | 1 | $ 328,000 | $ 328,000 | $ 211,000 |
| Catoosa, Georgia | 1 | $ 53,000 | $ 53,000 | $ 61,000 |
| Clayton, Georgia | 1 | $ 142,000 | $ 142,000 | $ 34,000 |
| Tattnall, Georgia | 1 | $ 48,000 | $ 48,000 | $ 41,000 |
| Honolulu, Hawaii | 1 | $ 495,000 | $ 495,000 | $ 110,000 |
| DeKalb, Illinois | 1 | $ 246,000 | $ 246,000 | $ 135,000 |
| McLean, Illinois | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| Randolph, Illinois | 1 | $ 46,000 | $ 46,000 | $ 24,000 |
| St. Clair, Illinois | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| Whiteside, Illinois | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Cass, Indiana | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Clay, Indiana | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Delaware, Indiana | 1 | $ 41,000 | $ 41,000 | $ 21,000 |
| Lake, Indiana | 1 | $ 47,000 | $ 47,000 | $ 11,000 |
| Marion, Indiana | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| Parke, Indiana | 1 | $ 56,000 | $ 56,000 | $ 23,000 |
| Vanderburgh, Indiana | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Vigo, Indiana | 1 | $ 24,000 | $ 24,000 | $ 77,000 |
| Linn, Iowa | 1 | $ 270,000 | $ 270,000 | $ 52,000 |
| Woodbury, Iowa | 1 | $ 58,000 | $ 58,000 | $ 31,000 |
| Daviess, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Jefferson, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 0 |
| McCracken, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Union, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 62,000 |
| Orleans, Louisiana | 1 | $ 303,000 | $ 303,000 | $ 158,000 |
| Anne Arundel, Maryland | 1 | $ 161,000 | $ 161,000 | $ 69,000 |
| Frederick, Maryland | 1 | $ 331,000 | $ 331,000 | $ 72,000 |
| Montgomery, Maryland | 1 | $ 306,000 | $ 306,000 | $ 94,000 |
| Plymouth, Massachusetts | 1 | $ 186,000 | $ 186,000 | $ 76,000 |
| Genesee, Michigan | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Jackson, Michigan | 1 | $ 29,000 | $ 29,000 | $ 17,000 |
| Livingston, Michigan | 1 | $ 112,000 | $ 112,000 | $ 81,000 |
| Marquette, Michigan | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Aitkin, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 74,000 |
| Beltrami, Minnesota | 1 | $ 179,000 | $ 179,000 | $ 120,000 |
| Big Stone, Minnesota | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Carlton, Minnesota | 1 | $ 211,000 | $ 211,000 | $ 403,000 |
| Clay, Minnesota | 1 | $ 161,000 | $ 161,000 | $ 42,000 |
| Faribault, Minnesota | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Goodhue, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Grant, Minnesota | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Kanabec, Minnesota | 1 | $ 156,000 | $ 156,000 | $ 77,000 |
| Martin, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 130,000 |
| Morrison, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Redwood, Minnesota | 1 | $ 116,000 | $ 116,000 | $ 46,000 |
| Swift, Minnesota | 1 | $ 67,000 | $ 67,000 | $ 25,000 |
| Todd, Minnesota | 1 | $ 61,000 | $ 61,000 | $ 26,000 |
| Waseca, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Hinds, Mississippi | 1 | $ 47,000 | $ 47,000 | $ 40,000 |
| Jackson, Mississippi | 1 | $ 74,000 | $ 74,000 | $ 43,000 |
| Warren, Mississippi | 1 | $ 71,000 | $ 71,000 | $ 17,000 |
| Linn, Missouri | 1 | $ 53,000 | $ 53,000 | $ 61,000 |
| Newton, Missouri | 1 | $ 113,000 | $ 113,000 | $ 28,000 |
| Scott, Missouri | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Flathead, Montana | 1 | $ 60,000 | $ 60,000 | $ 26,000 |
| Atlantic, New Jersey | 1 | $ 128,000 | $ 128,000 | $ 30,000 |
| Curry, New Mexico | 1 | $ 151,000 | $ 151,000 | $ 43,000 |
| Schoharie, New York | 1 | $ 189,000 | $ 189,000 | $ 0 |
| St. Lawrence, New York | 1 | $ 66,000 | $ 66,000 | $ 53,000 |
| Tompkins, New York | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Brunswick, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 27,000 |
| Cumberland, North Carolina | 1 | $ 117,000 | $ 117,000 | $ 54,000 |
| Jones, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Pender, North Carolina | 1 | $ 87,000 | $ 87,000 | $ 37,000 |
| Robeson, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 37,000 |
| Union, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Cass, North Dakota | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Grand Forks, North Dakota | 1 | $ 49,000 | $ 49,000 | $ 35,000 |
| Erie, Ohio | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Hamilton, Ohio | 1 | $ 132,000 | $ 132,000 | $ 98,000 |
| Muskingum, Ohio | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Comanche, Oklahoma | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Oklahoma, Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 68,000 |
| Umatilla, Oregon | 1 | $ 186,000 | $ 186,000 | $ 77,000 |
| Washington, Oregon | 1 | $ 183,000 | $ 183,000 | $ 12,000 |
| Allegheny, Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 66,000 |
| Bedford, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Indiana, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 71,000 |
| Lehigh, Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 148,000 |
| York, Pennsylvania | 1 | $ 133,000 | $ 133,000 | $ 71,000 |
| Kent, Rhode Island | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Florence, South Carolina | 1 | $ 346,000 | $ 346,000 | $ 190,000 |
| Orangeburg, South Carolina | 1 | $ 262,000 | $ 262,000 | $ 153,000 |
| York, South Carolina | 1 | $ 320,000 | $ 320,000 | $ 80,000 |
| Lincoln, South Dakota | 1 | $ 94,000 | $ 94,000 | $ 53,000 |
| Franklin, Tennessee | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Montgomery, Tennessee | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Bexar, Texas | 1 | $ 134,000 | $ 134,000 | $ 43,000 |
| Denton, Texas | 1 | $ 110,000 | $ 110,000 | $ 70,000 |
| Hopkins, Texas | 1 | $ 304,000 | $ 304,000 | $ 76,000 |
| Rains, Texas | 1 | $ 83,000 | $ 83,000 | $ 45,000 |
| Williamson, Texas | 1 | $ 417,000 | $ 417,000 | $ 97,000 |
| Greene, Virginia | 1 | $ 6,000 | $ 6,000 | $ 33,000 |
| Henry, Virginia | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Louisa, Virginia | 1 | $ 251,000 | $ 251,000 | $ 89,000 |
| Suffolk, Virginia | 1 | $ 340,000 | $ 340,000 | $ 101,000 |
| Clark, Washington | 1 | $ 174,000 | $ 174,000 | $ 77,000 |
| Mason, Washington | 1 | $ 324,000 | $ 324,000 | $ 118,000 |
| Pierce, Washington | 1 | $ 115,000 | $ 115,000 | $ 176,000 |
| Snohomish, Washington | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Thurston, Washington | 1 | $ 174,000 | $ 174,000 | $ 96,000 |
| Kanawha, West Virginia | 1 | $ 69,000 | $ 69,000 | $ 52,000 |
| Ashland, Wisconsin | 1 | $ 910,000 | $ 910,000 | $ 550,000 |
| Dodge, Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Jefferson, Wisconsin | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Kenosha, Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Sawyer, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 118,000 |
| Walworth, Wisconsin | 1 | $ 189,000 | $ 189,000 | $ 88,000 |
| Winnebago, Wisconsin | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Sublette, Wyoming | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Midcountry 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 763 | $108,349,000 | $142,000 | $2,170,000 | $60,000 | $620,000 |
| Refinancing | 711 | $115,628,000 | $162,000 | $3,600,000 | $80,000 | $1,518,000 |
| Home Improvement | 51 | $7,352,000 | $144,000 | $656,000 | $83,000 | $271,000 |
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 | 1,173 | $168,743,000 | $143,000 | $910,000 | $73,000 | $1,518,000 |
| Black or African American | 133 | $16,598,000 | $124,000 | $330,000 | $48,000 | $143,000 |
| Asian | 81 | $12,239,000 | $151,000 | $746,000 | $76,000 | $620,000 |
| Not Provided | 81 | $13,090,000 | $161,000 | $480,000 | $79,000 | $420,000 |
| Hispanic | 30 | $3,772,000 | $125,000 | $304,000 | $53,000 | $120,000 |
| Not applicable | 18 | $15,785,000 | $876,000 | $3,600,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $341,000 | $68,000 | $109,000 | $37,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $761,000 | $190,000 | $278,000 | $90,000 | $148,000 |
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) | 875 | $136,822,000 | $156,000 | $3,600,000 | $85,000 | $1,518,000 |
| FHA-insured (Federal Housing Administration) | 500 | $71,775,000 | $143,000 | $371,000 | $49,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 109 | $18,098,000 | $166,000 | $368,000 | $55,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,634,000 | $113,000 | $199,000 | $43,000 | $94,000 |
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 | 1,015 | $155,862,000 | $153,000 | $3,600,000 | $72,000 | $1,518,000 |
| Application Denied By Financial Institution | 282 | $41,765,000 | $148,000 | $587,000 | $59,000 | $466,000 |
| Application Withdrawn By Applicant | 180 | $28,434,000 | $157,000 | $910,000 | $80,000 | $550,000 |
| File Closed For Incompleteness | 24 | $2,683,000 | $111,000 | $350,000 | $35,000 | $93,000 |
| Application Approved But Not Accepted | 24 | $2,585,000 | $107,000 | $340,000 | $62,000 | $145,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 121 | $14,942,000 | $123,000 | $380,000 | $54,000 | $190,000 |
| Debt-To-Income Ratio | 59 | $9,185,000 | $155,000 | $400,000 | $39,000 | $97,000 |
| Collateral | 54 | $10,773,000 | $199,000 | $587,000 | $88,000 | $300,000 |
| Credit Application Incomplete | 22 | $3,282,000 | $149,000 | $412,000 | $84,000 | $466,000 |
| Other | 14 | $1,966,000 | $140,000 | $417,000 | $42,000 | $125,000 |
| Unverifiable Information | 6 | $954,000 | $159,000 | $300,000 | $64,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $491,000 | $98,000 | $161,000 | $44,000 | $77,000 |
| Employment History | 1 | $172,000 | $172,000 | $172,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Midcountry 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 Midcountry 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.
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