Spire Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Spire Credit Union 2023 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 | 3,382 |
| Total Mortgage Loan Application Amount | $471,440,000 |
| Average Mortgage Loan Application Amount | $152,400 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $121,400 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 567 | $ 77,535,000 | $ 136,000 | $ 143,000 |
| Anoka County Minnesota | 424 | $ 50,000,000 | $ 117,000 | $ 119,000 |
| Ramsey County Minnesota | 255 | $ 35,485,000 | $ 139,000 | $ 123,000 |
| Sherburne County Minnesota | 187 | $ 18,785,000 | $ 100,000 | $ 120,000 |
| Washington County Minnesota | 180 | $ 20,060,000 | $ 111,000 | $ 131,000 |
| Dakota County Minnesota | 178 | $ 20,730,000 | $ 116,000 | $ 120,000 |
| Wright County Minnesota | 150 | $ 15,210,000 | $ 101,000 | $ 118,000 |
| Mille Lacs County Minnesota | 142 | $ 12,930,000 | $ 91,000 | $ 94,000 |
| Kanabec County Minnesota | 70 | $ 6,610,000 | $ 94,000 | $ 115,000 |
| Pine County Minnesota | 64 | $ 5,590,000 | $ 87,000 | $ 93,000 |
| Carver County Minnesota | 49 | $ 6,165,000 | $ 125,000 | $ 144,000 |
| Scott County Minnesota | 47 | $ 5,565,000 | $ 118,000 | $ 157,000 |
| Chisago County Minnesota | 41 | $ 4,845,000 | $ 118,000 | $ 119,000 |
| Isanti County Minnesota | 32 | $ 4,270,000 | $ 133,000 | $ 109,000 |
| Stearns County Minnesota | 32 | $ 2,040,000 | $ 63,000 | $ 92,000 |
| Waseca County Minnesota | 30 | $ 2,600,000 | $ 86,000 | $ 72,000 |
| Benton County Minnesota | 22 | $ 1,980,000 | $ 90,000 | $ 97,000 |
| St. Croix County Wisconsin | 21 | $ 2,395,000 | $ 114,000 | $ 133,000 |
| Aitkin County Minnesota | 15 | $ 1,995,000 | $ 133,000 | $ 134,000 |
| St. Louis County Minnesota | 14 | $ 1,790,000 | $ 127,000 | $ 144,000 |
| Polk County Wisconsin | 14 | $ 1,580,000 | $ 112,000 | $ 85,000 |
| McLeod County Minnesota | 9 | $ 625,000 | $ 69,000 | $ 151,000 |
| Burnett County Wisconsin | 9 | $ 1,625,000 | $ 180,000 | $ 126,000 |
| Cass County Minnesota | 8 | $ 1,100,000 | $ 137,000 | $ 116,000 |
| Crow Wing County Minnesota | 8 | $ 1,310,000 | $ 163,000 | $ 111,000 |
| Morrison County Minnesota | 6 | $ 540,000 | $ 90,000 | $ 137,000 |
| Kandiyohi County Minnesota | 5 | $ 495,000 | $ 99,000 | $ 143,000 |
| Meeker County Minnesota | 5 | $ 395,000 | $ 79,000 | $ 85,000 |
| Olmsted County Minnesota | 5 | $ 345,000 | $ 69,000 | $ 92,000 |
| Pierce County Wisconsin | 5 | $ 615,000 | $ 123,000 | $ 152,000 |
| Mower County Minnesota | 4 | $ 200,000 | $ 50,000 | $ 106,000 |
| Rice County Minnesota | 4 | $ 680,000 | $ 170,000 | $ 87,000 |
| Steele County Minnesota | 4 | $ 200,000 | $ 50,000 | $ 93,000 |
| Blue Earth County Minnesota | 3 | $ 385,000 | $ 128,000 | $ 109,000 |
| Douglas County Minnesota | 3 | $ 265,000 | $ 88,000 | $ 70,000 |
| Goodhue County Minnesota | 3 | $ 275,000 | $ 91,000 | $ 233,000 |
| Hubbard County Minnesota | 3 | $ 395,000 | $ 131,000 | $ 124,000 |
| Nicollet County Minnesota | 3 | $ 415,000 | $ 138,000 | $ 119,000 |
| Pope County Minnesota | 3 | $ 325,000 | $ 108,000 | $ 205,000 |
| Sawyer County Wisconsin | 3 | $ 795,000 | $ 265,000 | $ 152,000 |
| Maricopa County Arizona | 2 | $ 730,000 | $ 365,000 | $ 325,000 |
| Anderson County Kentucky | 2 | $ 710,000 | $ 355,000 | $ 143,000 |
| Dodge County Minnesota | 2 | $ 80,000 | $ 40,000 | $ 88,000 |
| Freeborn County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 74,000 |
| Houston County Minnesota | 2 | $ 50,000 | $ 25,000 | $ 87,000 |
| Nobles County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Swift County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 134,000 |
| Wabasha County Minnesota | 2 | $ 450,000 | $ 225,000 | $ 121,000 |
| Barron County Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 129,000 |
| Chippewa County Wisconsin | 2 | $ 370,000 | $ 185,000 | $ 195,000 |
| Eau Claire County Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 115,000 |
| Washburn County Wisconsin | 2 | $ 150,000 | $ 75,000 | $ 154,000 |
| San Diego County California | 1 | $ 205,000 | $ 205,000 | $ 216,000 |
| Broward County Florida | 1 | $ 405,000 | $ 405,000 | $ 119,000 |
| Duval County Florida | 1 | $ 325,000 | $ 325,000 | $ 213,000 |
| Flagler County Florida | 1 | $ 75,000 | $ 75,000 | $ 222,000 |
| Lee County Florida | 1 | $ 725,000 | $ 725,000 | $ 223,000 |
| Pinellas County Florida | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Polk County Florida | 1 | $ 285,000 | $ 285,000 | $ 235,000 |
| Wakulla County Florida | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| East Baton Rouge County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 141,000 |
| Houghton County Michigan | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Ottawa County Michigan | 1 | $ 255,000 | $ 255,000 | $ 42,000 |
| Becker County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 254,000 |
| Brown County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Carlton County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 134,000 |
| Chippewa County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 149,000 |
| Itasca County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| Koochiching County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 211,000 |
| Lake County Minnesota | 1 | $ 485,000 | $ 485,000 | $ 196,000 |
| Le Sueur County Minnesota | 1 | $ 725,000 | $ 725,000 | $ 202,000 |
| Otter Tail County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Polk County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 223,000 |
| Renville County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Sibley County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Todd County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 198,000 |
| Watonwan County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Yellow Medicine County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Stone County Missouri | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| McIntosh County North Dakota | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Harris County Texas | 1 | $ 335,000 | $ 335,000 | $ 13,000 |
| Travis County Texas | 1 | $ 625,000 | $ 625,000 | $ 174,000 |
| Ashland County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Brown County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 126,000 |
| La Crosse County Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 152,000 |
| Rusk County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Vernon County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 149,000 |
| Vilas County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 354,000 |
Mortgage Loan Application Detail Totals for Spire Credit Union in 2023
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 | 1,060 | $67,060,000 | $63,000 | $405,000 | $125,000 | $528,000 |
| Home Purchase | 896 | $242,420,000 | $270,000 | $925,000 | $114,000 | $1,278,000 |
| Other Purpose | 879 | $74,935,000 | $85,000 | $755,000 | $123,000 | $2,400,000 |
| Cash-out Refinancing | 423 | $62,525,000 | $147,000 | $2,005,000 | $116,000 | $500,000 |
| Refinancing | 124 | $24,500,000 | $197,000 | $4,505,000 | $129,000 | $488,000 |
| 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 | 2,611 | $346,885,000 | $132,000 | $905,000 | $118,000 | $1,278,000 |
| Not Provided | 428 | $56,020,000 | $130,000 | $725,000 | $131,000 | $2,400,000 |
| Black or African American | 101 | $15,245,000 | $150,000 | $535,000 | $127,000 | $2,150,000 |
| Hispanic | 95 | $15,825,000 | $166,000 | $495,000 | $123,000 | $578,000 |
| Asian | 82 | $16,340,000 | $199,000 | $645,000 | $139,000 | $1,052,000 |
| American Indian or Alaskan Native | 25 | $2,975,000 | $119,000 | $615,000 | $89,000 | $240,000 |
| Not applicable | 23 | $15,565,000 | $676,000 | $4,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 7 | $645,000 | $92,000 | $445,000 | $126,000 | $256,000 |
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) | 3,308 | $453,420,000 | $137,000 | $4,505,000 | $121,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 66 | $15,600,000 | $236,000 | $495,000 | $79,000 | $199,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,420,000 | $302,000 | $515,000 | $87,000 | $161,000 |
| 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 | 1,659 | $178,305,000 | $107,000 | $2,005,000 | $130,000 | $948,000 |
| Application Denied By Financial Institution | 578 | $59,490,000 | $102,000 | $4,505,000 | $98,000 | $2,400,000 |
| Preapproval Approved but not Accepted | 280 | $85,140,000 | $304,000 | $905,000 | $121,000 | $443,000 |
| Application Withdrawn By Applicant | 270 | $39,780,000 | $147,000 | $1,055,000 | $140,000 | $2,150,000 |
| Application Approved But Not Accepted | 233 | $40,645,000 | $174,000 | $635,000 | $134,000 | $578,000 |
| Preapproval Denied by Financial Institution | 220 | $50,940,000 | $231,000 | $605,000 | $76,000 | $1,052,000 |
| File Closed For Incompleteness | 142 | $17,140,000 | $120,000 | $605,000 | $117,000 | $416,000 |
| 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 | 2,584 | $361,010,000 | $139,000 | $2,005,000 | $129,000 | $2,150,000 |
| Debt-To-Income Ratio | 431 | $58,655,000 | $136,000 | $625,000 | $74,000 | $422,000 |
| Credit History | 193 | $23,195,000 | $120,000 | $495,000 | $100,000 | $737,000 |
| Other | 88 | $8,750,000 | $99,000 | $755,000 | $162,000 | $2,400,000 |
| Employment History | 31 | $5,525,000 | $178,000 | $605,000 | $78,000 | $197,000 |
| Collateral | 27 | $3,175,000 | $117,000 | $505,000 | $115,000 | $474,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $9,090,000 | $349,000 | $4,505,000 | $81,000 | $232,000 |
| Credit Application Incomplete | 1 | $2,005,000 | $2,005,000 | $2,005,000 | $0 | $0 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Spire Credit Union's 2023 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.