Stearns Bank National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Stearns Bank National Association 2014 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 | 486 |
| Total Mortgage Loan Application Amount | $156,108,000 |
| Average Mortgage Loan Application Amount | $455,666 |
| Highest Mortgage Loan Application Amount | $12,600,000 |
| Average Applicant Income | $61,333 |
| Highest Applicant Income | $1,775,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 56 | $ 8,555,000 | $ 152,000 | $ 69,000 |
| Pine County Minnesota | 47 | $ 5,951,000 | $ 126,000 | $ 63,000 |
| Chisago County Minnesota | 44 | $ 7,241,000 | $ 164,000 | $ 66,000 |
| Pickens County Georgia | 34 | $ 3,494,000 | $ 102,000 | $ 51,000 |
| Sarasota County Florida | 27 | $ 11,376,000 | $ 421,000 | $ 102,000 |
| Maricopa County Arizona | 21 | $ 34,428,000 | $ 1,639,000 | $ 74,000 |
| Isanti County Minnesota | 16 | $ 2,746,000 | $ 171,000 | $ 55,000 |
| Cherokee County Georgia | 11 | $ 1,477,000 | $ 134,000 | $ 71,000 |
| Kanabec County Minnesota | 11 | $ 1,302,000 | $ 118,000 | $ 51,000 |
| Morrison County Minnesota | 11 | $ 3,769,000 | $ 342,000 | $ 147,000 |
| Pinellas County Florida | 9 | $ 1,655,000 | $ 183,000 | $ 95,000 |
| Hennepin County Minnesota | 7 | $ 1,869,000 | $ 267,000 | $ 119,000 |
| Benton County Minnesota | 6 | $ 821,000 | $ 136,000 | $ 63,000 |
| Gilmer County Georgia | 4 | $ 472,000 | $ 118,000 | $ 63,000 |
| Sherburne County Minnesota | 4 | $ 537,000 | $ 134,000 | $ 78,000 |
| Polk County Wisconsin | 4 | $ 475,000 | $ 118,000 | $ 50,000 |
| Fannin County Georgia | 3 | $ 825,000 | $ 275,000 | $ 155,000 |
| Whitfield County Georgia | 3 | $ 564,000 | $ 188,000 | $ 67,000 |
| Mille Lacs County Minnesota | 3 | $ 370,000 | $ 123,000 | $ 51,000 |
| Charlotte County Florida | 2 | $ 340,000 | $ 170,000 | $ 151,000 |
| Columbia County Florida | 2 | $ 6,090,000 | $ 3,045,000 | $ 0 |
| Lee County Florida | 2 | $ 7,760,000 | $ 3,880,000 | $ 19,000 |
| Manatee County Florida | 2 | $ 592,000 | $ 296,000 | $ 116,000 |
| Cobb County Georgia | 2 | $ 464,000 | $ 232,000 | $ 167,000 |
| Dawson County Georgia | 2 | $ 548,000 | $ 274,000 | $ 45,000 |
| Gordon County Georgia | 2 | $ 183,000 | $ 91,000 | $ 75,000 |
| Hall County Georgia | 2 | $ 338,000 | $ 169,000 | $ 81,000 |
| Walker County Georgia | 2 | $ 132,000 | $ 66,000 | $ 44,000 |
| White County Georgia | 2 | $ 222,000 | $ 111,000 | $ 141,000 |
| Anoka County Minnesota | 2 | $ 546,000 | $ 273,000 | $ 151,000 |
| Cass County Minnesota | 2 | $ 266,000 | $ 133,000 | $ 76,000 |
| Meeker County Minnesota | 2 | $ 213,000 | $ 106,000 | $ 31,000 |
| Ramsey County Minnesota | 2 | $ 355,000 | $ 177,000 | $ 179,000 |
| Gaston County North Carolina | 2 | $ 813,000 | $ 406,000 | $ 238,000 |
| Cochise County Arizona | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Graham County Arizona | 1 | $ 128,000 | $ 128,000 | $ 71,000 |
| Pima County Arizona | 1 | $ 6,500,000 | $ 6,500,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 132,000 | $ 132,000 | $ 83,000 |
| Citrus County Florida | 1 | $ 98,000 | $ 98,000 | $ 327,000 |
| Hillsborough County Florida | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Seminole County Florida | 1 | $ 417,000 | $ 417,000 | $ 123,000 |
| St. Johns County Florida | 1 | $ 347,000 | $ 347,000 | $ 159,000 |
| Fulton County Georgia | 1 | $ 227,000 | $ 227,000 | $ 256,000 |
| Rockdale County Georgia | 1 | $ 104,000 | $ 104,000 | $ 56,000 |
| Elmore County Idaho | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Jackson County Kansas | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Livingston County Louisiana | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Middlesex County Massachusetts | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,775,000 |
| Dakota County Minnesota | 1 | $ 398,000 | $ 398,000 | $ 371,000 |
| Douglas County Minnesota | 1 | $ 178,000 | $ 178,000 | $ 62,000 |
| Faribault County Minnesota | 1 | $ 71,000 | $ 71,000 | $ 24,000 |
| Pope County Minnesota | 1 | $ 384,000 | $ 384,000 | $ 96,000 |
| Wright County Minnesota | 1 | $ 127,000 | $ 127,000 | $ 52,000 |
| Bergen County New Jersey | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Morris County New Jersey | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Lea County New Mexico | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 31,000 |
| Williams County North Dakota | 1 | $ 136,000 | $ 136,000 | $ 1,194,000 |
| Ottawa County Ohio | 1 | $ 240,000 | $ 240,000 | $ 78,000 |
| Bucks County Pennsylvania | 1 | $ 291,000 | $ 291,000 | $ 100,000 |
| Horry County South Carolina | 1 | $ 334,000 | $ 334,000 | $ 101,000 |
| Collin County Texas | 1 | $ 12,060,000 | $ 12,060,000 | $ 0 |
| Burnett County Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 92,000 |
| Price County Wisconsin | 1 | $ 166,000 | $ 166,000 | $ 72,000 |
| St. Croix County Wisconsin | 1 | $ 171,000 | $ 171,000 | $ 99,000 |
| Fremont County Wyoming | 1 | $ 892,000 | $ 892,000 | $ 0 |
Mortgage Loan Application Detail Totals for Stearns Bank National Association in 2014
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 | 363 | $115,981,000 | $319,000 | $12,600,000 | $78,000 | $1,775,000 |
| Refinancing | 109 | $29,184,000 | $267,000 | $3,277,000 | $80,000 | $593,000 |
| Home Improvement | 14 | $10,943,000 | $781,000 | $7,670,000 | $26,000 | $98,000 |
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 | 406 | $65,288,000 | $160,000 | $800,000 | $76,000 | $1,194,000 |
| Not applicable | 36 | $79,141,000 | $2,198,000 | $12,600,000 | $0 | $0 |
| Not Provided | 31 | $9,175,000 | $295,000 | $2,000,000 | $165,000 | $1,775,000 |
| Hispanic | 8 | $1,680,000 | $210,000 | $417,000 | $100,000 | $244,000 |
| Asian | 2 | $175,000 | $87,000 | $96,000 | $68,000 | $106,000 |
| Black or African American | 2 | $521,000 | $260,000 | $417,000 | $135,000 | $214,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $128,000 | $128,000 | $128,000 | $41,000 | $41,000 |
| American Indian or Alaskan Native | 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) | 342 | $135,283,000 | $395,000 | $12,600,000 | $89,000 | $1,775,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 118 | $16,683,000 | $141,000 | $749,000 | $43,000 | $100,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,101,000 | $155,000 | $300,000 | $63,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,041,000 | $173,000 | $327,000 | $79,000 | $163,000 |
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 | 266 | $67,931,000 | $255,000 | $7,670,000 | $79,000 | $1,194,000 |
| Preapproval Approved but not Accepted | 78 | $13,021,000 | $166,000 | $417,000 | $59,000 | $363,000 |
| Application Denied By Financial Institution | 67 | $15,284,000 | $228,000 | $2,100,000 | $62,000 | $406,000 |
| Application Approved But Not Accepted | 38 | $33,009,000 | $868,000 | $12,060,000 | $156,000 | $1,775,000 |
| Preapproval Denied by Financial Institution | 24 | $3,224,000 | $134,000 | $238,000 | $49,000 | $99,000 |
| Application Withdrawn By Applicant | 11 | $10,379,000 | $943,000 | $3,000,000 | $34,000 | $167,000 |
| File Closed For Incompleteness | 2 | $13,260,000 | $6,630,000 | $12,600,000 | $80,000 | $161,000 |
| 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 | 55 | $8,339,000 | $151,000 | $925,000 | $54,000 | $214,000 |
| Debt-To-Income Ratio | 23 | $6,382,000 | $277,000 | $2,100,000 | $40,000 | $101,000 |
| Collateral | 8 | $2,110,000 | $263,000 | $417,000 | $125,000 | $406,000 |
| Unverifiable Information | 3 | $742,000 | $247,000 | $565,000 | $143,000 | $300,000 |
| Other | 2 | $935,000 | $467,000 | $825,000 | $0 | $0 |
| 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 2014 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.