Stearns Bank National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Stearns Bank National Association 2012 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 | Stearns Bank National Association 4191 2Nd St S St. Cloud, MN 56301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 782 |
| Total Mortgage Loan Application Amount | $196,964,000 |
| Average Mortgage Loan Application Amount | $346,666 |
| Highest Mortgage Loan Application Amount | $14,000,000 |
| Average Applicant Income | $61,333 |
| Highest Applicant Income | $702,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Stearns Bank National Association. 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 Stearns Bank National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Stearns Bank National Association'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 Stearns Bank National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Stearns Bank National Association, 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 Stearns Bank National Association's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Stearns County Minnesota | 145 | $ 26,189,000 | $ 180,000 | $ 74,000 |
| Pickens County Georgia | 78 | $ 7,420,000 | $ 95,000 | $ 47,000 |
| Sarasota County Florida | 63 | $ 25,759,000 | $ 408,000 | $ 80,000 |
| Chisago County Minnesota | 57 | $ 7,168,000 | $ 125,000 | $ 57,000 |
| Maricopa County Arizona | 53 | $ 15,491,000 | $ 292,000 | $ 30,000 |
| Pine County Minnesota | 45 | $ 5,779,000 | $ 128,000 | $ 59,000 |
| Kanabec County Minnesota | 24 | $ 2,880,000 | $ 120,000 | $ 64,000 |
| Benton County Minnesota | 20 | $ 12,294,000 | $ 614,000 | $ 78,000 |
| Cherokee County Georgia | 17 | $ 1,481,000 | $ 87,000 | $ 76,000 |
| Sherburne County Minnesota | 16 | $ 2,416,000 | $ 151,000 | $ 116,000 |
| Isanti County Minnesota | 15 | $ 1,625,000 | $ 108,000 | $ 62,000 |
| Hennepin County Minnesota | 14 | $ 2,669,000 | $ 190,000 | $ 146,000 |
| Morrison County Minnesota | 13 | $ 1,877,000 | $ 144,000 | $ 53,000 |
| Manatee County Florida | 9 | $ 1,830,000 | $ 203,000 | $ 118,000 |
| Palm Beach County Florida | 9 | $ 2,399,000 | $ 266,000 | $ 115,000 |
| Wright County Minnesota | 8 | $ 1,279,000 | $ 159,000 | $ 110,000 |
| Broward County Florida | 6 | $ 1,572,000 | $ 262,000 | $ 173,000 |
| Pinellas County Florida | 6 | $ 1,088,000 | $ 181,000 | $ 190,000 |
| Walker County Georgia | 6 | $ 801,000 | $ 133,000 | $ 47,000 |
| Ramsey County Minnesota | 6 | $ 9,094,000 | $ 1,515,000 | $ 78,000 |
| Washington County Minnesota | 6 | $ 739,000 | $ 123,000 | $ 70,000 |
| Miami-Dade County Florida | 5 | $ 1,259,000 | $ 251,000 | $ 107,000 |
| Gilmer County Georgia | 5 | $ 394,000 | $ 78,000 | $ 36,000 |
| Anoka County Minnesota | 5 | $ 578,000 | $ 115,000 | $ 55,000 |
| Todd County Minnesota | 5 | $ 746,000 | $ 149,000 | $ 55,000 |
| Charlotte County Florida | 4 | $ 967,000 | $ 241,000 | $ 153,000 |
| Crow Wing County Minnesota | 4 | $ 795,000 | $ 198,000 | $ 176,000 |
| Gordon County Georgia | 3 | $ 134,000 | $ 44,000 | $ 31,000 |
| Cass County Minnesota | 3 | $ 1,049,000 | $ 349,000 | $ 432,000 |
| Kandiyohi County Minnesota | 3 | $ 832,000 | $ 277,000 | $ 106,000 |
| Mille Lacs County Minnesota | 3 | $ 406,000 | $ 135,000 | $ 56,000 |
| Pinal County Arizona | 2 | $ 146,000 | $ 73,000 | $ 48,000 |
| Catoosa County Georgia | 2 | $ 131,000 | $ 65,000 | $ 62,000 |
| Hall County Georgia | 2 | $ 243,000 | $ 121,000 | $ 59,000 |
| Aitkin County Minnesota | 2 | $ 338,000 | $ 169,000 | $ 155,000 |
| Dakota County Minnesota | 2 | $ 229,000 | $ 114,000 | $ 55,000 |
| Meeker County Minnesota | 2 | $ 200,000 | $ 100,000 | $ 51,000 |
| Otter Tail County Minnesota | 2 | $ 642,000 | $ 321,000 | $ 72,000 |
| Mountrail County North Dakota | 2 | $ 4,918,000 | $ 2,459,000 | $ 0 |
| Burnett County Wisconsin | 2 | $ 298,000 | $ 149,000 | $ 149,000 |
| Pitkin County Colorado | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| Orange County Florida | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
| Pasco County Florida | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Bartow County Georgia | 1 | $ 34,000 | $ 34,000 | $ 57,000 |
| Cobb County Georgia | 1 | $ 168,000 | $ 168,000 | $ 94,000 |
| Dawson County Georgia | 1 | $ 172,000 | $ 172,000 | $ 2,000 |
| DeKalb County Georgia | 1 | $ 164,000 | $ 164,000 | $ 352,000 |
| Fannin County Georgia | 1 | $ 24,000 | $ 24,000 | $ 78,000 |
| Floyd County Georgia | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Murray County Georgia | 1 | $ 310,000 | $ 310,000 | $ 56,000 |
| Paulding County Georgia | 1 | $ 329,000 | $ 329,000 | $ 119,000 |
| Whitfield County Georgia | 1 | $ 48,000 | $ 48,000 | $ 34,000 |
| Cook County Illinois | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Peoria County Illinois | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Greene County Indiana | 1 | $ 3,560,000 | $ 3,560,000 | $ 0 |
| Marion County Indiana | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 172,000 | $ 172,000 | $ 104,000 |
| Becker County Minnesota | 1 | $ 162,000 | $ 162,000 | $ 59,000 |
| Beltrami County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Douglas County Minnesota | 1 | $ 356,000 | $ 356,000 | $ 111,000 |
| Itasca County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 82,000 |
| Lyon County Minnesota | 1 | $ 79,000 | $ 79,000 | $ 69,000 |
| McLeod County Minnesota | 1 | $ 117,000 | $ 117,000 | $ 44,000 |
| Pope County Minnesota | 1 | $ 132,000 | $ 132,000 | $ 72,000 |
| St. Louis County Minnesota | 1 | $ 412,000 | $ 412,000 | $ 266,000 |
| St. Louis County Missouri | 1 | $ 3,500,000 | $ 3,500,000 | $ 0 |
| Clark County Nevada | 1 | $ 6,000,000 | $ 6,000,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 159,000 | $ 159,000 | $ 93,000 |
| Surry County North Carolina | 1 | $ 927,000 | $ 927,000 | $ 0 |
| Wilkes County North Carolina | 1 | $ 1,148,000 | $ 1,148,000 | $ 0 |
| Morton County North Dakota | 1 | $ 176,000 | $ 176,000 | $ 71,000 |
| Trumbull County Ohio | 1 | $ 191,000 | $ 191,000 | $ 72,000 |
| Oklahoma County Oklahoma | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 43,000 | $ 43,000 | $ 44,000 |
| Dallas County Texas | 1 | $ 5,209,000 | $ 5,209,000 | $ 0 |
| Harris County Texas | 1 | $ 161,000 | $ 161,000 | $ 104,000 |
| Leon County Texas | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 700,000 | $ 700,000 | $ 0 |
| San Patricio County Texas | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Cache County Utah | 1 | $ 123,000 | $ 123,000 | $ 102,000 |
| Arlington County Virginia | 1 | $ 249,000 | $ 249,000 | $ 68,000 |
| Bayfield County Wisconsin | 1 | $ 88,000 | $ 88,000 | $ 206,000 |
| Polk County Wisconsin | 1 | $ 48,000 | $ 48,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Stearns Bank National Association 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 |
|---|---|---|---|---|---|---|
| Refinancing | 395 | $84,059,000 | $212,000 | $14,000,000 | $82,000 | $702,000 |
| Home Purchase | 368 | $102,453,000 | $278,000 | $9,500,000 | $59,000 | $521,000 |
| Home Improvement | 19 | $10,452,000 | $550,000 | $5,000,000 | $43,000 | $164,000 |
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 | 650 | $95,847,000 | $147,000 | $550,000 | $77,000 | $702,000 |
| Not applicable | 76 | $91,477,000 | $1,203,000 | $14,000,000 | $0 | $0 |
| Not Provided | 37 | $6,021,000 | $162,000 | $380,000 | $91,000 | $521,000 |
| Hispanic | 8 | $1,569,000 | $196,000 | $417,000 | $80,000 | $142,000 |
| Asian | 6 | $937,000 | $156,000 | $360,000 | $73,000 | $134,000 |
| Black or African American | 4 | $952,000 | $238,000 | $372,000 | $137,000 | $165,000 |
| American Indian or Alaskan Native | 1 | $161,000 | $161,000 | $161,000 | $87,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 654 | $180,595,000 | $276,000 | $14,000,000 | $76,000 | $702,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 96 | $12,402,000 | $129,000 | $240,000 | $41,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,671,000 | $122,000 | $231,000 | $50,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 2 | $296,000 | $148,000 | $250,000 | $59,000 | $90,000 |
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 | 542 | $76,765,000 | $141,000 | $589,000 | $74,000 | $702,000 |
| Application Denied By Financial Institution | 88 | $30,366,000 | $345,000 | $6,000,000 | $78,000 | $521,000 |
| Application Approved But Not Accepted | 59 | $26,587,000 | $450,000 | $14,000,000 | $66,000 | $259,000 |
| Preapproval Approved but not Accepted | 53 | $8,095,000 | $152,000 | $380,000 | $54,000 | $157,000 |
| Application Withdrawn By Applicant | 21 | $52,005,000 | $2,476,000 | $9,500,000 | $36,000 | $266,000 |
| Preapproval Denied by Financial Institution | 12 | $1,557,000 | $129,000 | $200,000 | $48,000 | $101,000 |
| Loan Purchased By The Institution | 5 | $269,000 | $53,000 | $74,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $1,320,000 | $660,000 | $1,200,000 | $13,000 | $27,000 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 38 | $6,648,000 | $174,000 | $417,000 | $58,000 | $149,000 |
| Credit History | 36 | $4,880,000 | $135,000 | $550,000 | $71,000 | $360,000 |
| Collateral | 17 | $3,358,000 | $197,000 | $417,000 | $114,000 | $295,000 |
| Other | 7 | $16,464,000 | $2,352,000 | $6,000,000 | $91,000 | $521,000 |
| Unverifiable Information | 2 | $573,000 | $286,000 | $355,000 | $52,000 | $105,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Bank National Association'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 Stearns Bank National Association'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.