Blaze Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Blaze Credit Union of Falcon Heights, MN reported 5,010 mortgage applications totaling $897.2 million, up 20% from 2024. The average application was for $179,079, and applicants reported an average income of $136,883. 56% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (3,511), St. Cloud, MN (77) and Duluth, MN-WI (54) (applications in parentheses).

Mortgage Company & Address Blaze Credit Union
2025 Larpenteur Ave W
Falcon Heights, MN 55113
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 5,010
Total Mortgage Loan Application Amount $897,190,000
Average Mortgage Loan Application Amount $179,079
Highest Mortgage Loan Application Amount $18,255,000
Average Applicant Income $136,883
Highest Applicant Income $3,604,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Blaze Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Blaze Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 831 $ 139,185,000 $ 167,490 $ 168,000
Ramsey, Minnesota 634 $ 116,410,000 $ 183,611 $ 121,000
Anoka, Minnesota 571 $ 77,525,000 $ 135,770 $ 128,000
Washington, Minnesota 369 $ 63,065,000 $ 170,907 $ 146,000
Dakota, Minnesota 257 $ 39,595,000 $ 154,066 $ 157,000
Sherburne, Minnesota 215 $ 28,285,000 $ 131,558 $ 128,000
Wright, Minnesota 196 $ 26,500,000 $ 135,204 $ 152,000
Mille Lacs, Minnesota 136 $ 17,170,000 $ 126,250 $ 104,000
Kanabec, Minnesota 100 $ 11,550,000 $ 115,500 $ 98,000
Pine, Minnesota 99 $ 12,575,000 $ 127,020 $ 97,000
Scott, Minnesota 91 $ 12,655,000 $ 139,065 $ 156,000
Carver, Minnesota 71 $ 14,095,000 $ 198,521 $ 190,000
Stearns, Minnesota 53 $ 7,665,000 $ 144,622 $ 130,000
Chisago, Minnesota 47 $ 6,685,000 $ 142,234 $ 115,000
St. Louis, Minnesota 43 $ 6,265,000 $ 145,697 $ 152,000
St. Croix, Wisconsin 39 $ 6,005,000 $ 153,974 $ 128,000
Isanti, Minnesota 34 $ 5,410,000 $ 159,117 $ 147,000
Crow Wing, Minnesota 28 $ 6,140,000 $ 219,285 $ 181,000
Waseca, Minnesota 28 $ 3,880,000 $ 138,571 $ 85,000
Benton, Minnesota 24 $ 6,210,000 $ 258,750 $ 123,000
Itasca, Minnesota 22 $ 2,580,000 $ 117,272 $ 95,000
Aitkin, Minnesota 19 $ 3,035,000 $ 159,736 $ 136,000
Cass, Minnesota 19 $ 3,625,000 $ 190,789 $ 176,000
Olmsted, Minnesota 18 $ 2,580,000 $ 143,333 $ 108,000
Kandiyohi, Minnesota 14 $ 1,770,000 $ 126,428 $ 102,000
Burnett, Wisconsin 14 $ 1,840,000 $ 131,428 $ 136,000
Polk, Wisconsin 13 $ 2,185,000 $ 168,076 $ 132,000
Morrison, Minnesota 11 $ 905,000 $ 82,272 $ 111,000
Pierce, Wisconsin 11 $ 2,125,000 $ 193,181 $ 194,000
Goodhue, Minnesota 10 $ 1,050,000 $ 105,000 $ 113,000
Lee, Florida 9 $ 3,225,000 $ 358,333 $ 197,000
Le Sueur, Minnesota 9 $ 2,365,000 $ 262,777 $ 119,000
Rice, Minnesota 9 $ 865,000 $ 96,111 $ 150,000
Blue Earth, Minnesota 8 $ 1,040,000 $ 130,000 $ 113,000
Freeborn, Minnesota 8 $ 570,000 $ 71,250 $ 82,000
McLeod, Minnesota 8 $ 1,170,000 $ 146,250 $ 117,000
Winnebago, Illinois 7 $ 1,525,000 $ 217,857 $ 73,000
Beltrami, Minnesota 7 $ 1,265,000 $ 180,714 $ 176,000
Meeker, Minnesota 7 $ 855,000 $ 122,142 $ 158,000
Sibley, Minnesota 7 $ 605,000 $ 86,428 $ 99,000
Douglas, Wisconsin 7 $ 1,615,000 $ 230,714 $ 158,000
Maricopa, Arizona 6 $ 1,100,000 $ 183,333 $ 141,000
Douglas, Minnesota 6 $ 990,000 $ 165,000 $ 201,000
Steele, Minnesota 6 $ 1,720,000 $ 286,666 $ 105,000
Hubbard, Minnesota 5 $ 635,000 $ 127,000 $ 182,000
Becker, Minnesota 4 $ 470,000 $ 117,500 $ 144,000
Carlton, Minnesota 4 $ 360,000 $ 90,000 $ 421,000
Lake, Minnesota 4 $ 540,000 $ 135,000 $ 208,000
Renville, Minnesota 4 $ 200,000 $ 50,000 $ 95,000
Bayfield, Wisconsin 4 $ 1,070,000 $ 267,500 $ 203,000
Clay, Minnesota 3 $ 315,000 $ 105,000 $ 123,000
Dodge, Minnesota 3 $ 345,000 $ 115,000 $ 97,000
Marshall, Minnesota 3 $ 265,000 $ 88,333 $ 115,000
Otter Tail, Minnesota 3 $ 655,000 $ 218,333 $ 296,000
Sawyer, Wisconsin 3 $ 685,000 $ 228,333 $ 152,000
Washburn, Wisconsin 3 $ 625,000 $ 208,333 $ 160,000
Apache, Arizona 2 $ 110,000 $ 55,000 $ 25,000
Los Angeles, California 2 $ 360,000 $ 180,000 $ 237,000
Hernando, Florida 2 $ 340,000 $ 170,000 $ 93,000
Hillsborough, Florida 2 $ 180,000 $ 90,000 $ 228,000
Lake, Florida 2 $ 180,000 $ 90,000 $ 84,000
Sumter, Florida 2 $ 400,000 $ 200,000 $ 130,000
Grand Traverse, Michigan 2 $ 410,000 $ 205,000 $ 141,000
Brown, Minnesota 2 $ 170,000 $ 85,000 $ 119,000
Koochiching, Minnesota 2 $ 170,000 $ 85,000 $ 244,000
Mower, Minnesota 2 $ 190,000 $ 95,000 $ 148,000
Nicollet, Minnesota 2 $ 260,000 $ 130,000 $ 90,000
Todd, Minnesota 2 $ 90,000 $ 45,000 $ 191,000
Traverse, Minnesota 2 $ 130,000 $ 65,000 $ 35,000
Yellow Medicine, Minnesota 2 $ 80,000 $ 40,000 $ 93,000
Grant, New Mexico 2 $ 870,000 $ 435,000 $ 143,000
Barron, Wisconsin 2 $ 240,000 $ 120,000 $ 123,000
Pinal, Arizona 1 $ 265,000 $ 265,000 $ 133,000
Benton, Arkansas 1 $ 105,000 $ 105,000 $ 116,000
Contra Costa, California 1 $ 155,000 $ 155,000 $ 130,000
Adams, Colorado 1 $ 105,000 $ 105,000 $ 347,000
Denver, Colorado 1 $ 305,000 $ 305,000 $ 213,000
Routt, Colorado 1 $ 395,000 $ 395,000 $ 260,000
Northeastern Connecticut Planning Region, Connecticut 1 $ 215,000 $ 215,000 $ 125,000
Collier, Florida 1 $ 605,000 $ 605,000 $ 437,000
Manatee, Florida 1 $ 35,000 $ 35,000 $ 0
Pasco, Florida 1 $ 65,000 $ 65,000 $ 109,000
Pinellas, Florida 1 $ 135,000 $ 135,000 $ 182,000
St. Johns, Florida 1 $ 435,000 $ 435,000 $ 198,000
Bulloch, Georgia 1 $ 285,000 $ 285,000 $ 111,000
Coweta, Georgia 1 $ 105,000 $ 105,000 $ 135,000
Kootenai, Idaho 1 $ 55,000 $ 55,000 $ 90,000
Black Hawk, Iowa 1 $ 335,000 $ 335,000 $ 144,000
Clinton, Iowa 1 $ 135,000 $ 135,000 $ 76,000
Fayette, Iowa 1 $ 65,000 $ 65,000 $ 51,000
Hardin, Iowa 1 $ 35,000 $ 35,000 $ 99,000
Scott, Iowa 1 $ 25,000 $ 25,000 $ 59,000
Oldham, Kentucky 1 $ 115,000 $ 115,000 $ 289,000
Jefferson, Louisiana 1 $ 35,000 $ 35,000 $ 63,000
Baltimore, Maryland 1 $ 155,000 $ 155,000 $ 250,000
Chippewa, Michigan 1 $ 195,000 $ 195,000 $ 99,000
Marquette, Michigan 1 $ 215,000 $ 215,000 $ 309,000
Oakland, Michigan 1 $ 325,000 $ 325,000 $ 349,000
Cottonwood, Minnesota 1 $ 35,000 $ 35,000 $ 131,000
Fillmore, Minnesota 1 $ 185,000 $ 185,000 $ 172,000
Lyon, Minnesota 1 $ 165,000 $ 165,000 $ 112,000
Martin, Minnesota 1 $ 125,000 $ 125,000 $ 95,000
Nobles, Minnesota 1 $ 165,000 $ 165,000 $ 62,000
Polk, Minnesota 1 $ 55,000 $ 55,000 $ 224,000
Pope, Minnesota 1 $ 45,000 $ 45,000 $ 138,000
Redwood, Minnesota 1 $ 75,000 $ 75,000 $ 88,000
Rock, Minnesota 1 $ 165,000 $ 165,000 $ 66,000
Swift, Minnesota 1 $ 225,000 $ 225,000 $ 218,000
Wabasha, Minnesota 1 $ 45,000 $ 45,000 $ 77,000
Wadena, Minnesota 1 $ 85,000 $ 85,000 $ 185,000
Watonwan, Minnesota 1 $ 85,000 $ 85,000 $ 138,000
Jasper, Missouri 1 $ 115,000 $ 115,000 $ 51,000
St. Louis, Missouri 1 $ 75,000 $ 75,000 $ 44,000
Taney, Missouri 1 $ 95,000 $ 95,000 $ 118,000
Jefferson, Montana 1 $ 405,000 $ 405,000 $ 92,000
Missoula, Montana 1 $ 405,000 $ 405,000 $ 173,000
Douglas, Nebraska 1 $ 95,000 $ 95,000 $ 114,000
Lancaster, Nebraska 1 $ 45,000 $ 45,000 $ 0
Otoe, Nebraska 1 $ 55,000 $ 55,000 $ 127,000
Sarpy, Nebraska 1 $ 225,000 $ 225,000 $ 100,000
Clark, Nevada 1 $ 45,000 $ 45,000 $ 66,000
Otero, New Mexico 1 $ 45,000 $ 45,000 $ 54,000
Delaware, New York 1 $ 45,000 $ 45,000 $ 41,000
Kings, New York 1 $ 5,000 $ 5,000 $ 0
Craven, North Carolina 1 $ 245,000 $ 245,000 $ 108,000
Iredell, North Carolina 1 $ 35,000 $ 35,000 $ 187,000
Lincoln, North Carolina 1 $ 55,000 $ 55,000 $ 218,000
Grand Forks, North Dakota 1 $ 65,000 $ 65,000 $ 127,000
Wells, North Dakota 1 $ 155,000 $ 155,000 $ 107,000
Williams, North Dakota 1 $ 55,000 $ 55,000 $ 67,000
Cuyahoga, Ohio 1 $ 415,000 $ 415,000 $ 190,000
Highland, Ohio 1 $ 15,000 $ 15,000 $ 52,000
Summit, Ohio 1 $ 55,000 $ 55,000 $ 230,000
Union, Ohio 1 $ 735,000 $ 735,000 $ 317,000
Oklahoma, Oklahoma 1 $ 155,000 $ 155,000 $ 101,000
Ottawa, Oklahoma 1 $ 75,000 $ 75,000 $ 67,000
Deschutes, Oregon 1 $ 355,000 $ 355,000 $ 419,000
Providence, Rhode Island 1 $ 65,000 $ 65,000 $ 84,000
Anderson, South Carolina 1 $ 125,000 $ 125,000 $ 34,000
Lexington, South Carolina 1 $ 405,000 $ 405,000 $ 286,000
Codington, South Dakota 1 $ 25,000 $ 25,000 $ 52,000
Kingsbury, South Dakota 1 $ 75,000 $ 75,000 $ 147,000
Lincoln, South Dakota 1 $ 455,000 $ 455,000 $ 390,000
Minnehaha, South Dakota 1 $ 115,000 $ 115,000 $ 63,000
Davidson, Tennessee 1 $ 985,000 $ 985,000 $ 463,000
Sequatchie, Tennessee 1 $ 45,000 $ 45,000 $ 162,000
Rockwall, Texas 1 $ 305,000 $ 305,000 $ 2,070,000
Tooele, Utah 1 $ 45,000 $ 45,000 $ 149,000
Weber, Utah 1 $ 315,000 $ 315,000 $ 185,000
Alexandria, Virginia 1 $ 75,000 $ 75,000 $ 107,000
Amherst, Virginia 1 $ 55,000 $ 55,000 $ 42,000
King, Washington 1 $ 165,000 $ 165,000 $ 122,000
Pend Oreille, Washington 1 $ 45,000 $ 45,000 $ 44,000
Whatcom, Washington 1 $ 65,000 $ 65,000 $ 188,000
Berkeley, West Virginia 1 $ 275,000 $ 275,000 $ 124,000
Crawford, Wisconsin 1 $ 55,000 $ 55,000 $ 42,000
Juneau, Wisconsin 1 $ 55,000 $ 55,000 $ 75,000
La Crosse, Wisconsin 1 $ 215,000 $ 215,000 $ 96,000
Marinette, Wisconsin 1 $ 25,000 $ 25,000 $ 163,000
Milwaukee, Wisconsin 1 $ 55,000 $ 55,000 $ 162,000
Sheboygan, Wisconsin 1 $ 75,000 $ 75,000 $ 251,000
Winnebago, Wisconsin 1 $ 55,000 $ 55,000 $ 77,000
Campbell, Wyoming 1 $ 25,000 $ 25,000 $ 53,000

Mortgage Loan Application Detail Totals for Blaze Credit Union in 2025

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 1,451 $437,705,000 $301,000 $2,885,000 $132,000 $3,604,000
Home Improvement 1,356 $126,450,000 $93,000 $645,000 $143,000 $1,291,000
Other Purpose 1,148 $132,460,000 $115,000 $745,000 $137,000 $2,070,000
Cash-out Refinancing 773 $117,335,000 $151,000 $3,425,000 $130,000 $3,274,000
Refinancing 282 $83,240,000 $295,000 $18,255,000 $151,000 $1,440,000
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 3,598 $589,500,000 $163,000 $2,885,000 $139,000 $3,604,000
Asian 597 $131,215,000 $219,000 $805,000 $118,000 $3,274,000
Not Provided 421 $82,975,000 $197,000 $905,000 $152,000 $3,000,000
Black or African American 156 $25,060,000 $160,000 $635,000 $126,000 $2,070,000
Hispanic 130 $22,270,000 $171,000 $745,000 $140,000 $1,000,000
Not applicable 64 $40,030,000 $625,000 $18,255,000 $0 $0
American Indian or Alaskan Native 41 $5,145,000 $125,000 $455,000 $119,000 $379,000
Native Hawaiian or Other Pacific Islander 3 $995,000 $331,000 $825,000 $506,000 $1,408,000

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) 4,971 $887,025,000 $178,000 $18,255,000 $137,000 $3,604,000
FHA-insured (Federal Housing Administration) 28 $6,890,000 $246,000 $445,000 $90,000 $266,000
VA-guaranteed (Veterans Administration) 11 $3,275,000 $297,000 $725,000 $98,000 $211,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 2,827 $452,625,000 $160,000 $18,255,000 $144,000 $1,828,000
Application Denied By Financial Institution 531 $56,735,000 $106,000 $805,000 $96,000 $1,281,000
Preapproval Approved but not Accepted 507 $167,555,000 $330,000 $2,245,000 $128,000 $1,000,000
Application Withdrawn By Applicant 362 $54,940,000 $151,000 $1,275,000 $163,000 $3,274,000
Application Approved But Not Accepted 345 $76,135,000 $220,000 $2,885,000 $157,000 $3,604,000
File Closed For Incompleteness 221 $31,845,000 $144,000 $1,005,000 $145,000 $984,000
Preapproval Denied by Financial Institution 217 $57,355,000 $264,000 $965,000 $88,000 $1,200,000
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
Not applicable 4,262 $783,100,000 $183,000 $18,255,000 $145,000 $3,604,000
Debt-To-Income Ratio 398 $60,170,000 $151,000 $965,000 $71,000 $306,000
Credit History 240 $37,320,000 $155,000 $725,000 $107,000 $1,200,000
Collateral 62 $8,830,000 $142,000 $615,000 $183,000 $1,281,000
Other 21 $2,305,000 $109,000 $315,000 $145,000 $579,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,540,000 $181,000 $315,000 $78,000 $144,000
Employment History 13 $2,925,000 $225,000 $585,000 $52,000 $120,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
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 Blaze Credit Union's 2025 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 Blaze 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.
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