Mill City Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Mill City Credit Union 2015 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 | Mill City Credit Union 10653 Wayzata Blvd Minnetonka, MN 55305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 388 |
| Total Mortgage Loan Application Amount | $66,698,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $1,166,000 |
| Average Applicant Income | $143,333 |
| Highest Applicant Income | $1,563,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Mill City Credit Union. 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 Mill City Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Mill City Credit Union'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 Mill City Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Mill City Credit Union, 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 Mill City Credit Union's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin County Minnesota | 121 | $ 24,271,000 | $ 200,000 | $ 167,000 |
| Wright County Minnesota | 13 | $ 2,015,000 | $ 155,000 | $ 120,000 |
| Anoka County Minnesota | 12 | $ 1,515,000 | $ 126,000 | $ 118,000 |
| Carver County Minnesota | 11 | $ 2,573,000 | $ 233,000 | $ 157,000 |
| Linn County Iowa | 9 | $ 944,000 | $ 104,000 | $ 104,000 |
| Ramsey County Minnesota | 9 | $ 1,648,000 | $ 183,000 | $ 129,000 |
| Scott County Minnesota | 8 | $ 1,715,000 | $ 214,000 | $ 127,000 |
| Marion County Missouri | 8 | $ 588,000 | $ 73,000 | $ 67,000 |
| Miami-Dade County Florida | 6 | $ 1,408,000 | $ 234,000 | $ 130,000 |
| Washington County Minnesota | 6 | $ 600,000 | $ 100,000 | $ 160,000 |
| Dakota County Minnesota | 4 | $ 455,000 | $ 113,000 | $ 125,000 |
| Jasper County Missouri | 4 | $ 533,000 | $ 133,000 | $ 116,000 |
| Bernalillo County New Mexico | 4 | $ 394,000 | $ 98,000 | $ 86,000 |
| Rutherford County Tennessee | 4 | $ 260,000 | $ 65,000 | $ 76,000 |
| Benton County Arkansas | 3 | $ 729,000 | $ 243,000 | $ 120,000 |
| Adams County Illinois | 3 | $ 826,000 | $ 275,000 | $ 204,000 |
| Cass County Minnesota | 3 | $ 341,000 | $ 113,000 | $ 74,000 |
| Sherburne County Minnesota | 3 | $ 559,000 | $ 186,000 | $ 74,000 |
| Ralls County Missouri | 3 | $ 217,000 | $ 72,000 | $ 118,000 |
| Pima County Arizona | 2 | $ 80,000 | $ 40,000 | $ 116,000 |
| Los Angeles County California | 2 | $ 237,000 | $ 118,000 | $ 40,000 |
| Orange County California | 2 | $ 80,000 | $ 40,000 | $ 71,000 |
| San Joaquin County California | 2 | $ 238,000 | $ 119,000 | $ 89,000 |
| Hillsborough County Florida | 2 | $ 602,000 | $ 301,000 | $ 214,000 |
| Lake County Florida | 2 | $ 360,000 | $ 180,000 | $ 109,000 |
| Newton County Georgia | 2 | $ 133,000 | $ 66,000 | $ 101,000 |
| Boone County Illinois | 2 | $ 103,000 | $ 51,000 | $ 64,000 |
| Pike County Illinois | 2 | $ 75,000 | $ 37,000 | $ 54,000 |
| Winnebago County Illinois | 2 | $ 160,000 | $ 80,000 | $ 78,000 |
| Osceola County Michigan | 2 | $ 252,000 | $ 126,000 | $ 80,000 |
| Chisago County Minnesota | 2 | $ 130,000 | $ 65,000 | $ 83,000 |
| Crow Wing County Minnesota | 2 | $ 598,000 | $ 299,000 | $ 166,000 |
| Pike County Missouri | 2 | $ 160,000 | $ 80,000 | $ 103,000 |
| Clark County Nevada | 2 | $ 573,000 | $ 286,000 | $ 84,000 |
| Erie County New York | 2 | $ 240,000 | $ 120,000 | $ 81,000 |
| Buncombe County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 159,000 |
| Guilford County North Carolina | 2 | $ 284,000 | $ 142,000 | $ 96,000 |
| Butler County Ohio | 2 | $ 256,000 | $ 128,000 | $ 150,000 |
| Cannon County Tennessee | 2 | $ 352,000 | $ 176,000 | $ 99,000 |
| Mobile County Alabama | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| Coconino County Arizona | 1 | $ 50,000 | $ 50,000 | $ 175,000 |
| Washington County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 197,000 |
| Sacramento County California | 1 | $ 417,000 | $ 417,000 | $ 129,000 |
| Stanislaus County California | 1 | $ 347,000 | $ 347,000 | $ 208,000 |
| Ventura County California | 1 | $ 270,000 | $ 270,000 | $ 130,000 |
| Yolo County California | 1 | $ 736,000 | $ 736,000 | $ 450,000 |
| Broward County Florida | 1 | $ 27,000 | $ 27,000 | $ 51,000 |
| Collier County Florida | 1 | $ 186,000 | $ 186,000 | $ 170,000 |
| Hernando County Florida | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Manatee County Florida | 1 | $ 94,000 | $ 94,000 | $ 107,000 |
| Orange County Florida | 1 | $ 409,000 | $ 409,000 | $ 125,000 |
| DeKalb County Georgia | 1 | $ 669,000 | $ 669,000 | $ 241,000 |
| Greene County Georgia | 1 | $ 40,000 | $ 40,000 | $ 240,000 |
| Gwinnett County Georgia | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Rockdale County Georgia | 1 | $ 181,000 | $ 181,000 | $ 98,000 |
| Cook County Illinois | 1 | $ 270,000 | $ 270,000 | $ 100,000 |
| Benton County Iowa | 1 | $ 80,000 | $ 80,000 | $ 116,000 |
| Jones County Iowa | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Polk County Iowa | 1 | $ 74,000 | $ 74,000 | $ 56,000 |
| Johnson County Kansas | 1 | $ 30,000 | $ 30,000 | $ 145,000 |
| Concordia County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 137,000 |
| Plymouth County Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 221,000 |
| Kandiyohi County Minnesota | 1 | $ 158,000 | $ 158,000 | $ 355,000 |
| Le Sueur County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| McLeod County Minnesota | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Otter Tail County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 244,000 |
| Pine County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 107,000 |
| Sibley County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 275,000 |
| Pike County Mississippi | 1 | $ 296,000 | $ 296,000 | $ 141,000 |
| Rankin County Mississippi | 1 | $ 247,000 | $ 247,000 | $ 123,000 |
| Newton County Missouri | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| St. Louis County Missouri | 1 | $ 175,000 | $ 175,000 | $ 125,000 |
| Rockingham County New Hampshire | 1 | $ 98,000 | $ 98,000 | $ 75,000 |
| Camden County New Jersey | 1 | $ 72,000 | $ 72,000 | $ 167,000 |
| Gloucester County New Jersey | 1 | $ 206,000 | $ 206,000 | $ 103,000 |
| Niagara County New York | 1 | $ 32,000 | $ 32,000 | $ 50,000 |
| Mecklenburg County North Carolina | 1 | $ 625,000 | $ 625,000 | $ 194,000 |
| Wake County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Clermont County Ohio | 1 | $ 320,000 | $ 320,000 | $ 250,000 |
| Crawford County Ohio | 1 | $ 110,000 | $ 110,000 | $ 110,000 |
| Hamilton County Ohio | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Jackson County Ohio | 1 | $ 81,000 | $ 81,000 | $ 82,000 |
| Knox County Ohio | 1 | $ 20,000 | $ 20,000 | $ 105,000 |
| Bucks County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Chester County Pennsylvania | 1 | $ 410,000 | $ 410,000 | $ 240,000 |
| Philadelphia County Pennsylvania | 1 | $ 536,000 | $ 536,000 | $ 217,000 |
| Lawrence County South Dakota | 1 | $ 117,000 | $ 117,000 | $ 155,000 |
| Minnehaha County South Dakota | 1 | $ 377,000 | $ 377,000 | $ 236,000 |
| Bedford County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| DeKalb County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Dickson County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 110,000 |
| Shelby County Tennessee | 1 | $ 372,000 | $ 372,000 | $ 208,000 |
| Wilson County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 133,000 |
| Harris County Texas | 1 | $ 360,000 | $ 360,000 | $ 276,000 |
| Pierce County Wisconsin | 1 | $ 259,000 | $ 259,000 | $ 190,000 |
| Vilas County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 1,563,000 |
| Waukesha County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Mill City Credit Union in 2015
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 | 216 | $37,007,000 | $171,000 | $850,000 | $132,000 | $707,000 |
| Home Purchase | 110 | $25,606,000 | $232,000 | $920,000 | $121,000 | $790,000 |
| Home Improvement | 62 | $4,085,000 | $65,000 | $1,166,000 | $177,000 | $1,563,000 |
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 | 305 | $50,616,000 | $165,000 | $1,166,000 | $138,000 | $1,563,000 |
| Not Provided | 45 | $8,108,000 | $180,000 | $669,000 | $120,000 | $386,000 |
| Hispanic | 14 | $2,325,000 | $166,000 | $417,000 | $106,000 | $215,000 |
| Black or African American | 12 | $2,724,000 | $227,000 | $464,000 | $178,000 | $600,000 |
| Asian | 10 | $2,467,000 | $246,000 | $472,000 | $133,000 | $495,000 |
| American Indian or Alaskan Native | 2 | $458,000 | $229,000 | $320,000 | $152,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 387 | $66,643,000 | $172,000 | $1,166,000 | $136,000 | $1,563,000 |
| FHA-insured (Federal Housing Administration) | 1 | $55,000 | $55,000 | $55,000 | $75,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 131 | $23,414,000 | $178,000 | $1,166,000 | $171,000 | $1,563,000 |
| Application Denied By Financial Institution | 127 | $17,695,000 | $139,000 | $594,000 | $99,000 | $790,000 |
| Application Approved But Not Accepted | 53 | $13,030,000 | $245,000 | $600,000 | $121,000 | $420,000 |
| Application Withdrawn By Applicant | 52 | $6,462,000 | $124,000 | $542,000 | $157,000 | $707,000 |
| File Closed For Incompleteness | 24 | $5,788,000 | $241,000 | $468,000 | $133,000 | $276,000 |
| Preapproval Denied by Financial Institution | 1 | $309,000 | $309,000 | $309,000 | $102,000 | $102,000 |
| 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 | 40 | $5,189,000 | $129,000 | $417,000 | $84,000 | $290,000 |
| Collateral | 35 | $3,519,000 | $100,000 | $594,000 | $124,000 | $355,000 |
| Other | 22 | $4,554,000 | $207,000 | $560,000 | $134,000 | $790,000 |
| Debt-To-Income Ratio | 20 | $2,800,000 | $140,000 | $285,000 | $56,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $456,000 | $152,000 | $309,000 | $61,000 | $102,000 |
| Employment History | 2 | $450,000 | $225,000 | $320,000 | $87,000 | $150,000 |
| Credit Application Incomplete | 1 | $270,000 | $270,000 | $270,000 | $130,000 | $130,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mill City Credit Union's 2015 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 Mill City Credit Union'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.