Stearns Bank National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Stearns Bank National Association 2013 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 | 637 |
| Total Mortgage Loan Application Amount | $137,895,000 |
| Average Mortgage Loan Application Amount | $167,333 |
| Highest Mortgage Loan Application Amount | $11,300,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $804,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 89 | $ 14,356,000 | $ 161,000 | $ 69,000 |
| Pine County Minnesota | 65 | $ 6,563,000 | $ 100,000 | $ 46,000 |
| Chisago County Minnesota | 64 | $ 9,264,000 | $ 144,000 | $ 57,000 |
| Pickens County Georgia | 40 | $ 4,682,000 | $ 117,000 | $ 56,000 |
| Sarasota County Florida | 29 | $ 5,201,000 | $ 179,000 | $ 98,000 |
| Maricopa County Arizona | 24 | $ 10,072,000 | $ 419,000 | $ 9,000 |
| Cherokee County Georgia | 16 | $ 2,795,000 | $ 174,000 | $ 58,000 |
| Benton County Minnesota | 16 | $ 3,173,000 | $ 198,000 | $ 58,000 |
| Kanabec County Minnesota | 16 | $ 1,640,000 | $ 102,000 | $ 71,000 |
| Isanti County Minnesota | 14 | $ 1,606,000 | $ 114,000 | $ 50,000 |
| Hennepin County Minnesota | 11 | $ 1,914,000 | $ 174,000 | $ 102,000 |
| Manatee County Florida | 10 | $ 2,034,000 | $ 203,000 | $ 132,000 |
| Morrison County Minnesota | 9 | $ 1,233,000 | $ 137,000 | $ 65,000 |
| Sherburne County Minnesota | 9 | $ 1,727,000 | $ 191,000 | $ 69,000 |
| Wright County Minnesota | 9 | $ 1,971,000 | $ 219,000 | $ 90,000 |
| Gilmer County Georgia | 8 | $ 864,000 | $ 108,000 | $ 53,000 |
| Walker County Georgia | 8 | $ 1,143,000 | $ 142,000 | $ 54,000 |
| Ramsey County Minnesota | 6 | $ 12,308,000 | $ 2,051,000 | $ 199,000 |
| Washington County Minnesota | 5 | $ 813,000 | $ 162,000 | $ 126,000 |
| Charlotte County Florida | 4 | $ 695,000 | $ 173,000 | $ 70,000 |
| Catoosa County Georgia | 4 | $ 512,000 | $ 128,000 | $ 82,000 |
| Murray County Georgia | 4 | $ 291,000 | $ 72,000 | $ 21,000 |
| Whitfield County Georgia | 3 | $ 581,000 | $ 193,000 | $ 86,000 |
| Meeker County Minnesota | 3 | $ 728,000 | $ 242,000 | $ 318,000 |
| Mille Lacs County Minnesota | 3 | $ 473,000 | $ 157,000 | $ 59,000 |
| Pinellas County Florida | 2 | $ 704,000 | $ 352,000 | $ 111,000 |
| Dawson County Georgia | 2 | $ 90,000 | $ 45,000 | $ 34,000 |
| Gordon County Georgia | 2 | $ 38,000 | $ 19,000 | $ 18,000 |
| Newton County Georgia | 2 | $ 70,000 | $ 35,000 | $ 144,000 |
| Cook County Illinois | 2 | $ 584,000 | $ 292,000 | $ 134,000 |
| Anoka County Minnesota | 2 | $ 243,000 | $ 121,000 | $ 105,000 |
| Cass County Minnesota | 2 | $ 290,000 | $ 145,000 | $ 81,000 |
| Crow Wing County Minnesota | 2 | $ 288,000 | $ 144,000 | $ 119,000 |
| Lyon County Minnesota | 2 | $ 324,000 | $ 162,000 | $ 69,000 |
| Todd County Minnesota | 2 | $ 190,000 | $ 95,000 | $ 53,000 |
| Sequatchie County Tennessee | 2 | $ 235,000 | $ 117,000 | $ 44,000 |
| Kane County Utah | 2 | $ 283,000 | $ 141,000 | $ 88,000 |
| Los Angeles County California | 1 | $ 290,000 | $ 290,000 | $ 65,000 |
| San Diego County California | 1 | $ 2,335,000 | $ 2,335,000 | $ 0 |
| Santa Clara County California | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Ventura County California | 1 | $ 3,318,000 | $ 3,318,000 | $ 0 |
| Broward County Florida | 1 | $ 157,000 | $ 157,000 | $ 56,000 |
| Columbia County Florida | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Lake County Florida | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Leon County Florida | 1 | $ 50,000 | $ 50,000 | $ 71,000 |
| Marion County Florida | 1 | $ 52,000 | $ 52,000 | $ 22,000 |
| Miami-Dade County Florida | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Orange County Florida | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Bartow County Georgia | 1 | $ 158,000 | $ 158,000 | $ 40,000 |
| Carroll County Georgia | 1 | $ 47,000 | $ 47,000 | $ 14,000 |
| Clarke County Georgia | 1 | $ 166,000 | $ 166,000 | $ 52,000 |
| DeKalb County Georgia | 1 | $ 216,000 | $ 216,000 | $ 238,000 |
| Boise County Idaho | 1 | $ 315,000 | $ 315,000 | $ 0 |
| DuPage County Illinois | 1 | $ 350,000 | $ 350,000 | $ 123,000 |
| Jackson County Illinois | 1 | $ 280,000 | $ 280,000 | $ 215,000 |
| Nelson County Kentucky | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Red River County Louisiana | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Kandiyohi County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 41,000 |
| Boone County Missouri | 1 | $ 380,000 | $ 380,000 | $ 326,000 |
| Henderson County North Carolina | 1 | $ 31,000 | $ 31,000 | $ 6,000 |
| Wake County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| McHenry County North Dakota | 1 | $ 263,000 | $ 263,000 | $ 139,000 |
| Stark County North Dakota | 1 | $ 3,968,000 | $ 3,968,000 | $ 0 |
| Williams County North Dakota | 1 | $ 140,000 | $ 140,000 | $ 97,000 |
| Deschutes County Oregon | 1 | $ 8,900,000 | $ 8,900,000 | $ 0 |
| Beadle County South Dakota | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Cherokee County Texas | 1 | $ 1,472,000 | $ 1,472,000 | $ 0 |
| Burnett County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Polk County Wisconsin | 1 | $ 157,000 | $ 157,000 | $ 110,000 |
| Rusk County Wisconsin | 1 | $ 677,000 | $ 677,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Stearns Bank National Association in 2013
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 | 415 | $91,891,000 | $221,000 | $11,300,000 | $64,000 | $804,000 |
| Refinancing | 212 | $45,322,000 | $213,000 | $3,860,000 | $70,000 | $319,000 |
| Home Improvement | 10 | $682,000 | $68,000 | $315,000 | $37,000 | $125,000 |
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 | 550 | $79,603,000 | $144,000 | $950,000 | $70,000 | $804,000 |
| Not applicable | 46 | $50,413,000 | $1,095,000 | $11,300,000 | $0 | $0 |
| Not Provided | 31 | $6,142,000 | $198,000 | $635,000 | $95,000 | $406,000 |
| Hispanic | 6 | $882,000 | $147,000 | $417,000 | $59,000 | $124,000 |
| Asian | 2 | $437,000 | $218,000 | $254,000 | $30,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $122,000 | $122,000 | $122,000 | $33,000 | $33,000 |
| American Indian or Alaskan Native | 1 | $296,000 | $296,000 | $296,000 | $88,000 | $88,000 |
| Black or African American | 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) | 455 | $113,411,000 | $249,000 | $11,300,000 | $74,000 | $804,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $17,583,000 | $131,000 | $677,000 | $40,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 41 | $5,891,000 | $143,000 | $245,000 | $57,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,010,000 | $144,000 | $235,000 | $59,000 | $91,000 |
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 | 380 | $60,997,000 | $160,000 | $3,860,000 | $66,000 | $804,000 |
| Preapproval Approved but not Accepted | 88 | $13,502,000 | $153,000 | $400,000 | $67,000 | $362,000 |
| Application Denied By Financial Institution | 72 | $22,371,000 | $310,000 | $8,900,000 | $70,000 | $222,000 |
| Application Approved But Not Accepted | 59 | $17,585,000 | $298,000 | $3,318,000 | $66,000 | $292,000 |
| Preapproval Denied by Financial Institution | 22 | $2,636,000 | $119,000 | $204,000 | $41,000 | $118,000 |
| Application Withdrawn By Applicant | 11 | $18,034,000 | $1,639,000 | $11,300,000 | $61,000 | $134,000 |
| File Closed For Incompleteness | 5 | $2,770,000 | $554,000 | $1,200,000 | $47,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $5,613,000 | $133,000 | $360,000 | $62,000 | $166,000 |
| Debt-To-Income Ratio | 28 | $4,530,000 | $161,000 | $450,000 | $52,000 | $191,000 |
| Collateral | 14 | $2,253,000 | $160,000 | $460,000 | $92,000 | $222,000 |
| Other | 5 | $12,116,000 | $2,423,000 | $8,900,000 | $92,000 | $209,000 |
| Employment History | 2 | $210,000 | $105,000 | $122,000 | $27,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $166,000 | $83,000 | $96,000 | $32,000 | $37,000 |
| Unverifiable Information | 1 | $119,000 | $119,000 | $119,000 | $30,000 | $30,000 |
| Credit Application Incomplete | 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 2013 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.