Spire Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Spire Credit Union 2022 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 | Spire Credit Union 2025 Larpenteur Ave W Falcon Heights, MN 55113 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 3,758 |
| Total Mortgage Loan Application Amount | $569,190,000 |
| Average Mortgage Loan Application Amount | $166,600 |
| Highest Mortgage Loan Application Amount | $9,405,000 |
| Average Applicant Income | $110,200 |
| Highest Applicant Income | $5,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Spire 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 Spire Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Spire 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 Spire Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Spire 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 Spire Credit Union's mortgage activity for 2022.
| 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 | 685 | $ 108,925,000 | $ 159,000 | $ 132,000 |
| Anoka County Minnesota | 502 | $ 54,000,000 | $ 107,000 | $ 115,000 |
| Ramsey County Minnesota | 336 | $ 43,210,000 | $ 128,000 | $ 117,000 |
| Sherburne County Minnesota | 235 | $ 25,585,000 | $ 108,000 | $ 102,000 |
| Washington County Minnesota | 224 | $ 28,800,000 | $ 128,000 | $ 152,000 |
| Dakota County Minnesota | 156 | $ 21,570,000 | $ 138,000 | $ 130,000 |
| Wright County Minnesota | 142 | $ 13,620,000 | $ 95,000 | $ 113,000 |
| Mille Lacs County Minnesota | 134 | $ 14,050,000 | $ 104,000 | $ 88,000 |
| Kanabec County Minnesota | 99 | $ 9,735,000 | $ 98,000 | $ 88,000 |
| Pine County Minnesota | 95 | $ 9,225,000 | $ 97,000 | $ 86,000 |
| Carver County Minnesota | 73 | $ 12,925,000 | $ 177,000 | $ 141,000 |
| Scott County Minnesota | 61 | $ 5,945,000 | $ 97,000 | $ 152,000 |
| Isanti County Minnesota | 49 | $ 5,465,000 | $ 111,000 | $ 94,000 |
| Chisago County Minnesota | 44 | $ 5,520,000 | $ 125,000 | $ 117,000 |
| Stearns County Minnesota | 37 | $ 4,395,000 | $ 118,000 | $ 101,000 |
| Waseca County Minnesota | 22 | $ 1,710,000 | $ 77,000 | $ 88,000 |
| Benton County Minnesota | 21 | $ 2,575,000 | $ 122,000 | $ 90,000 |
| Burnett County Wisconsin | 18 | $ 2,170,000 | $ 120,000 | $ 116,000 |
| Aitkin County Minnesota | 15 | $ 1,105,000 | $ 73,000 | $ 68,000 |
| St. Louis County Minnesota | 15 | $ 1,215,000 | $ 81,000 | $ 110,000 |
| St. Croix County Wisconsin | 15 | $ 1,635,000 | $ 109,000 | $ 104,000 |
| Rice County Minnesota | 14 | $ 4,770,000 | $ 340,000 | $ 109,000 |
| McLeod County Minnesota | 12 | $ 1,290,000 | $ 107,000 | $ 87,000 |
| Morrison County Minnesota | 11 | $ 1,415,000 | $ 128,000 | $ 121,000 |
| Goodhue County Minnesota | 9 | $ 1,695,000 | $ 188,000 | $ 86,000 |
| Polk County Wisconsin | 7 | $ 1,265,000 | $ 180,000 | $ 103,000 |
| Carlton County Minnesota | 6 | $ 700,000 | $ 116,000 | $ 83,000 |
| Cass County Minnesota | 6 | $ 630,000 | $ 105,000 | $ 147,000 |
| Itasca County Minnesota | 6 | $ 420,000 | $ 70,000 | $ 99,000 |
| Crow Wing County Minnesota | 5 | $ 1,305,000 | $ 261,000 | $ 171,000 |
| Kandiyohi County Minnesota | 5 | $ 475,000 | $ 95,000 | $ 75,000 |
| Pierce County Wisconsin | 5 | $ 415,000 | $ 83,000 | $ 107,000 |
| Meeker County Minnesota | 4 | $ 550,000 | $ 137,000 | $ 108,000 |
| Otter Tail County Minnesota | 4 | $ 480,000 | $ 120,000 | $ 142,000 |
| Dunn County Wisconsin | 4 | $ 710,000 | $ 177,000 | $ 95,000 |
| Blue Earth County Minnesota | 3 | $ 475,000 | $ 158,000 | $ 79,000 |
| Le Sueur County Minnesota | 3 | $ 375,000 | $ 125,000 | $ 85,000 |
| Mower County Minnesota | 3 | $ 475,000 | $ 158,000 | $ 394,000 |
| Nicollet County Minnesota | 3 | $ 815,000 | $ 271,000 | $ 90,000 |
| Olmsted County Minnesota | 3 | $ 355,000 | $ 118,000 | $ 87,000 |
| Todd County Minnesota | 3 | $ 415,000 | $ 138,000 | $ 124,000 |
| Bayfield County Wisconsin | 3 | $ 385,000 | $ 128,000 | $ 96,000 |
| Brown County Wisconsin | 3 | $ 745,000 | $ 248,000 | $ 129,000 |
| Beltrami County Minnesota | 2 | $ 1,710,000 | $ 855,000 | $ 209,000 |
| Brown County Minnesota | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Grant County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 87,000 |
| Lake of the Woods County Minnesota | 2 | $ 120,000 | $ 60,000 | $ 84,000 |
| Sibley County Minnesota | 2 | $ 80,000 | $ 40,000 | $ 127,000 |
| Wabasha County Minnesota | 2 | $ 190,000 | $ 95,000 | $ 84,000 |
| Eau Claire County Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 90,000 |
| Washburn County Wisconsin | 2 | $ 730,000 | $ 365,000 | $ 42,000 |
| Maricopa County Arizona | 1 | $ 65,000 | $ 65,000 | $ 187,000 |
| Los Angeles County California | 1 | $ 785,000 | $ 785,000 | $ 222,000 |
| Bay County Florida | 1 | $ 115,000 | $ 115,000 | $ 197,000 |
| Lee County Florida | 1 | $ 365,000 | $ 365,000 | $ 253,000 |
| Pasco County Florida | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Sarasota County Florida | 1 | $ 295,000 | $ 295,000 | $ 127,000 |
| Hamilton County Indiana | 1 | $ 465,000 | $ 465,000 | $ 166,000 |
| O'Brien County Iowa | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Webster County Iowa | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Brown County Kansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Becker County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Chippewa County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 166,000 |
| Cook County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Cottonwood County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Douglas County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 285,000 |
| Faribault County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Hubbard County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Lyon County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Murray County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Pope County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Renville County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Steele County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Winona County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Jackson County Missouri | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Washoe County Nevada | 1 | $ 785,000 | $ 785,000 | $ 170,000 |
| Burlington County New Jersey | 1 | $ 505,000 | $ 505,000 | $ 229,000 |
| Dickey County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Lincoln County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Sevier County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 128,000 |
| Windham County Vermont | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Columbia County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Oneida County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Pepin County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Portage County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 196,000 |
| Price County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Sawyer County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 163,000 |
| Sheboygan County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Spire Credit Union in 2022
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 Improvement | 1,199 | $73,765,000 | $61,000 | $405,000 | $131,000 | $5,400,000 |
| Home Purchase | 1,006 | $263,190,000 | $261,000 | $1,205,000 | $100,000 | $1,541,000 |
| Other Purpose | 732 | $63,810,000 | $87,000 | $635,000 | $121,000 | $3,104,000 |
| Cash-out Refinancing | 598 | $117,380,000 | $196,000 | $4,205,000 | $99,000 | $558,000 |
| Refinancing | 223 | $51,045,000 | $228,000 | $9,405,000 | $100,000 | $520,000 |
| 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 | 2,906 | $407,850,000 | $140,000 | $1,405,000 | $111,000 | $1,541,000 |
| Not Provided | 508 | $63,500,000 | $125,000 | $645,000 | $118,000 | $720,000 |
| Asian | 91 | $17,795,000 | $195,000 | $1,205,000 | $122,000 | $770,000 |
| Black or African American | 87 | $16,465,000 | $189,000 | $545,000 | $106,000 | $767,000 |
| Hispanic | 82 | $13,000,000 | $158,000 | $645,000 | $141,000 | $3,104,000 |
| Not applicable | 44 | $44,100,000 | $1,002,000 | $9,405,000 | $154,000 | $154,000 |
| American Indian or Alaskan Native | 28 | $4,860,000 | $173,000 | $365,000 | $101,000 | $258,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $835,000 | $119,000 | $365,000 | $81,000 | $153,000 |
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) | 3,678 | $549,990,000 | $149,000 | $9,405,000 | $115,000 | $5,400,000 |
| FHA-insured (Federal Housing Administration) | 69 | $16,865,000 | $244,000 | $545,000 | $75,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,175,000 | $241,000 | $645,000 | $66,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $160,000 | $80,000 | $155,000 | $91,000 | $146,000 |
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 | 1,783 | $224,935,000 | $126,000 | $4,205,000 | $122,000 | $720,000 |
| Application Denied By Financial Institution | 640 | $73,470,000 | $114,000 | $9,405,000 | $95,000 | $663,000 |
| Preapproval Approved but not Accepted | 362 | $107,480,000 | $296,000 | $825,000 | $105,000 | $396,000 |
| Application Withdrawn By Applicant | 313 | $44,845,000 | $143,000 | $2,345,000 | $128,000 | $3,104,000 |
| Application Approved But Not Accepted | 246 | $39,540,000 | $160,000 | $1,405,000 | $115,000 | $675,000 |
| Preapproval Denied by Financial Institution | 237 | $57,975,000 | $244,000 | $1,205,000 | $72,000 | $770,000 |
| File Closed For Incompleteness | 177 | $20,945,000 | $118,000 | $565,000 | $148,000 | $5,400,000 |
| 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 | 2,881 | $437,745,000 | $151,000 | $4,205,000 | $122,000 | $5,400,000 |
| Debt-To-Income Ratio | 409 | $58,995,000 | $144,000 | $855,000 | $66,000 | $316,000 |
| Credit History | 246 | $33,290,000 | $135,000 | $785,000 | $97,000 | $663,000 |
| Other | 157 | $15,205,000 | $96,000 | $715,000 | $127,000 | $636,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $15,545,000 | $501,000 | $9,405,000 | $75,000 | $206,000 |
| Collateral | 19 | $2,935,000 | $154,000 | $585,000 | $111,000 | $348,000 |
| Employment History | 13 | $4,385,000 | $337,000 | $1,205,000 | $153,000 | $770,000 |
| Unverifiable Information | 2 | $1,090,000 | $545,000 | $765,000 | $276,000 | $409,000 |
| 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 Spire Credit Union's 2022 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 Spire 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.