Tcf National Bank Mortgage Lending & HMDA Data, 2011

In 2011, Tcf National Bank of Sioux Falls, SD reported 10,251 mortgage applications totaling $1.9 billion. The average application was for $183,025, and applicants reported an average income of $71,001. 30% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (4,859), Chicago-Joliet-Naperville, IL (2,034) and Denver-Aurora-Broomfield, CO (527) (applications in parentheses).

Mortgage Company & Address Tcf National Bank
2508 Louise Ave S (Pcc-2e-L)
Sioux Falls, SD 57106
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 10,251
Total Mortgage Loan Application Amount $1,876,192,000
Average Mortgage Loan Application Amount $183,025
Highest Mortgage Loan Application Amount $21,000,000
Average Applicant Income $71,001
Highest Applicant Income $1,637,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tcf National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Tcf National Bank by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 1,804 $ 381,456,000 $ 211,450 $ 81,000
Cook, Illinois 1,499 $ 272,735,000 $ 181,944 $ 57,000
Anoka, Minnesota 807 $ 124,434,000 $ 154,193 $ 72,000
Ramsey, Minnesota 688 $ 114,123,000 $ 165,876 $ 75,000
Dakota, Minnesota 650 $ 109,145,000 $ 167,915 $ 85,000
Washington, Minnesota 382 $ 76,730,000 $ 200,863 $ 93,000
Milwaukee, Wisconsin 321 $ 67,461,000 $ 210,158 $ 53,000
DuPage, Illinois 193 $ 58,324,000 $ 302,196 $ 66,000
El Paso, Colorado 179 $ 32,717,000 $ 182,776 $ 77,000
Jefferson, Colorado 147 $ 32,764,000 $ 222,884 $ 84,000
Lake, Illinois 145 $ 30,386,000 $ 209,558 $ 72,000
Kane, Illinois 138 $ 17,908,000 $ 129,768 $ 47,000
Sherburne, Minnesota 131 $ 21,171,000 $ 161,610 $ 74,000
Will, Illinois 130 $ 22,420,000 $ 172,461 $ 63,000
Scott, Minnesota 121 $ 23,302,000 $ 192,578 $ 86,000
Brown, Wisconsin 114 $ 13,355,000 $ 117,149 $ 59,000
Denver, Colorado 110 $ 19,637,000 $ 178,518 $ 81,000
Wright, Minnesota 109 $ 20,618,000 $ 189,155 $ 76,000
Oakland, Michigan 105 $ 17,058,000 $ 162,457 $ 58,000
Arapahoe, Colorado 104 $ 19,233,000 $ 184,932 $ 78,000
Outagamie, Wisconsin 91 $ 9,616,000 $ 105,670 $ 69,000
Stearns, Minnesota 88 $ 14,581,000 $ 165,693 $ 62,000
Macomb, Michigan 81 $ 8,148,000 $ 100,592 $ 55,000
Racine, Wisconsin 81 $ 8,150,000 $ 100,617 $ 57,000
Adams, Colorado 78 $ 19,795,000 $ 253,782 $ 57,000
Wayne, Michigan 75 $ 9,341,000 $ 124,546 $ 53,000
Kenosha, Wisconsin 75 $ 15,907,000 $ 212,093 $ 61,000
Waukesha, Wisconsin 65 $ 11,057,000 $ 170,107 $ 79,000
Marathon, Wisconsin 63 $ 6,457,000 $ 102,492 $ 64,000
Douglas, Colorado 62 $ 13,557,000 $ 218,661 $ 129,000
Washtenaw, Michigan 59 $ 38,026,000 $ 644,508 $ 79,000
Portage, Wisconsin 59 $ 6,032,000 $ 102,237 $ 62,000
Carver, Minnesota 55 $ 11,303,000 $ 205,509 $ 99,000
McHenry, Illinois 52 $ 8,717,000 $ 167,634 $ 57,000
Blue Earth, Minnesota 51 $ 6,317,000 $ 123,862 $ 64,000
Winnebago, Wisconsin 47 $ 10,270,000 $ 218,510 $ 61,000
Chisago, Minnesota 46 $ 8,015,000 $ 174,239 $ 68,000
Winnebago, Illinois 43 $ 3,000,000 $ 69,767 $ 37,000
Sheboygan, Wisconsin 42 $ 3,845,000 $ 91,547 $ 66,000
Livingston, Michigan 40 $ 5,688,000 $ 142,200 $ 91,000
Dane, Wisconsin 39 $ 12,469,000 $ 319,717 $ 65,000
Isanti, Minnesota 38 $ 6,317,000 $ 166,236 $ 63,000
Manitowoc, Wisconsin 38 $ 2,732,000 $ 71,894 $ 62,000
Lake, Indiana 37 $ 3,865,000 $ 104,459 $ 42,000
Dodge, Wisconsin 36 $ 7,654,000 $ 212,611 $ 55,000
Maricopa, Arizona 35 $ 4,705,000 $ 134,428 $ 59,000
Boulder, Colorado 34 $ 11,011,000 $ 323,852 $ 103,000
Waushara, Wisconsin 30 $ 2,691,000 $ 89,700 $ 39,000
Washington, Wisconsin 28 $ 11,386,000 $ 406,642 $ 67,000
St. Croix, Wisconsin 27 $ 5,359,000 $ 198,481 $ 83,000
Fond du Lac, Wisconsin 24 $ 1,924,000 $ 80,166 $ 58,000
Lincoln, Wisconsin 24 $ 1,776,000 $ 74,000 $ 48,000
Wood, Wisconsin 22 $ 1,983,000 $ 90,136 $ 64,000
Nicollet, Minnesota 20 $ 2,629,000 $ 131,450 $ 72,000
Benton, Minnesota 19 $ 2,364,000 $ 124,421 $ 59,000
Waupaca, Wisconsin 19 $ 1,550,000 $ 81,578 $ 79,000
Saginaw, Michigan 17 $ 3,426,000 $ 201,529 $ 46,000
Morrison, Minnesota 17 $ 2,117,000 $ 124,529 $ 59,000
Pine, Minnesota 16 $ 1,971,000 $ 123,187 $ 66,000
Jackson, Michigan 15 $ 1,712,000 $ 114,133 $ 47,000
Polk, Wisconsin 15 $ 3,129,000 $ 208,600 $ 108,000
Larimer, Colorado 14 $ 1,539,000 $ 109,928 $ 96,000
Boone, Illinois 14 $ 1,508,000 $ 107,714 $ 37,000
Crow Wing, Minnesota 14 $ 2,432,000 $ 173,714 $ 137,000
St. Louis, Minnesota 14 $ 2,432,000 $ 173,714 $ 80,000
Broomfield, Colorado 13 $ 2,019,000 $ 155,307 $ 135,000
Le Sueur, Minnesota 13 $ 1,861,000 $ 143,153 $ 54,000
Olmsted, Minnesota 13 $ 2,601,000 $ 200,076 $ 90,000
Rice, Minnesota 13 $ 2,322,000 $ 178,615 $ 72,000
Ozaukee, Wisconsin 13 $ 4,252,000 $ 327,076 $ 75,000
Calhoun, Michigan 12 $ 787,000 $ 65,583 $ 37,000
Kendall, Illinois 11 $ 1,863,000 $ 169,363 $ 69,000
Calumet, Wisconsin 11 $ 2,288,000 $ 208,000 $ 46,000
St. Clair, Michigan 10 $ 1,050,000 $ 105,000 $ 38,000
Cass, Minnesota 10 $ 1,194,000 $ 119,400 $ 120,000
Rock, Wisconsin 10 $ 3,487,000 $ 348,700 $ 66,000
Walworth, Wisconsin 10 $ 1,918,000 $ 191,800 $ 46,000
Elbert, Colorado 9 $ 1,575,000 $ 175,000 $ 82,000
Weld, Colorado 9 $ 1,303,000 $ 144,777 $ 59,000
Aitkin, Minnesota 9 $ 1,154,000 $ 128,222 $ 127,000
Goodhue, Minnesota 9 $ 1,941,000 $ 215,666 $ 95,000
Mille Lacs, Minnesota 9 $ 1,019,000 $ 113,222 $ 52,000
Waseca, Minnesota 9 $ 1,125,000 $ 125,000 $ 48,000
Adams, Wisconsin 9 $ 378,000 $ 42,000 $ 29,000
Eau Claire, Wisconsin 9 $ 597,000 $ 66,333 $ 49,000
Pinal, Arizona 8 $ 424,000 $ 53,000 $ 46,000
Teller, Colorado 8 $ 1,161,000 $ 145,125 $ 55,000
Jefferson, Wisconsin 8 $ 296,000 $ 37,000 $ 92,000
Oneida, Wisconsin 8 $ 715,000 $ 89,375 $ 62,000
DeKalb, Illinois 7 $ 790,000 $ 112,857 $ 37,000
Minnehaha, South Dakota 7 $ 437,000 $ 62,428 $ 36,000
La Crosse, Wisconsin 7 $ 462,000 $ 66,000 $ 50,000
Monroe, Wisconsin 7 $ 1,059,000 $ 151,285 $ 68,000
Washburn, Wisconsin 7 $ 923,000 $ 131,857 $ 118,000
Genesee, Michigan 6 $ 3,473,000 $ 578,833 $ 47,000
McLeod, Minnesota 6 $ 1,151,000 $ 191,833 $ 71,000
Burnett, Wisconsin 6 $ 1,436,000 $ 239,333 $ 132,000
Kankakee, Illinois 5 $ 271,000 $ 54,200 $ 45,000
Bay, Michigan 5 $ 392,000 $ 78,400 $ 54,000
Ingham, Michigan 5 $ 4,841,000 $ 968,200 $ 43,000
Lenawee, Michigan 5 $ 493,000 $ 98,600 $ 75,000
Kanabec, Minnesota 5 $ 566,000 $ 113,200 $ 68,000
Kewaunee, Wisconsin 5 $ 247,000 $ 49,400 $ 57,000
Langlade, Wisconsin 5 $ 518,000 $ 103,600 $ 51,000
Pepin, Wisconsin 5 $ 729,000 $ 145,800 $ 79,000
Shawano, Wisconsin 5 $ 371,000 $ 74,200 $ 71,000
Grundy, Illinois 4 $ 737,000 $ 184,250 $ 64,000
Porter, Indiana 4 $ 628,000 $ 157,000 $ 57,000
Barry, Michigan 4 $ 273,000 $ 68,250 $ 57,000
Hubbard, Minnesota 4 $ 578,000 $ 144,500 $ 118,000
Kandiyohi, Minnesota 4 $ 653,000 $ 163,250 $ 67,000
Meeker, Minnesota 4 $ 369,000 $ 92,250 $ 45,000
Columbia, Wisconsin 4 $ 547,000 $ 136,750 $ 64,000
Oconto, Wisconsin 4 $ 625,000 $ 156,250 $ 79,000
Pueblo, Colorado 3 $ 268,000 $ 89,333 $ 59,000
Tuscola, Michigan 3 $ 414,000 $ 138,000 $ 94,000
Becker, Minnesota 3 $ 517,000 $ 172,333 $ 83,000
Lake, Minnesota 3 $ 1,243,000 $ 414,333 $ 127,000
Otter Tail, Minnesota 3 $ 337,000 $ 112,333 $ 65,000
Sibley, Minnesota 3 $ 432,000 $ 144,000 $ 41,000
Todd, Minnesota 3 $ 372,000 $ 124,000 $ 76,000
Barron, Wisconsin 3 $ 266,000 $ 88,666 $ 68,000
Chippewa, Wisconsin 3 $ 193,000 $ 64,333 $ 59,000
Door, Wisconsin 3 $ 1,162,000 $ 387,333 $ 340,000
Dunn, Wisconsin 3 $ 226,000 $ 75,333 $ 78,000
Marinette, Wisconsin 3 $ 110,000 $ 36,666 $ 68,000
Vilas, Wisconsin 3 $ 116,000 $ 38,666 $ 52,000
Clear Creek, Colorado 2 $ 248,000 $ 124,000 $ 55,000
Gilpin, Colorado 2 $ 536,000 $ 268,000 $ 57,000
Summit, Colorado 2 $ 438,000 $ 219,000 $ 71,000
LaSalle, Illinois 2 $ 217,000 $ 108,500 $ 52,000
LaPorte, Indiana 2 $ 74,000 $ 37,000 $ 45,000
Gladwin, Michigan 2 $ 200,000 $ 100,000 $ 124,000
Kent, Michigan 2 $ 69,000 $ 34,500 $ 45,000
Monroe, Michigan 2 $ 472,000 $ 236,000 $ 88,000
Douglas, Minnesota 2 $ 557,000 $ 278,500 $ 330,000
Freeborn, Minnesota 2 $ 220,000 $ 110,000 $ 27,000
Lyon, Minnesota 2 $ 241,000 $ 120,500 $ 61,000
Martin, Minnesota 2 $ 163,000 $ 81,500 $ 26,000
Pope, Minnesota 2 $ 239,000 $ 119,500 $ 106,000
Roseau, Minnesota 2 $ 176,000 $ 88,000 $ 36,000
Steele, Minnesota 2 $ 343,000 $ 171,500 $ 60,000
Stevens, Minnesota 2 $ 71,000 $ 35,500 $ 14,000
Wabasha, Minnesota 2 $ 125,000 $ 62,500 $ 58,000
Clark, Wisconsin 2 $ 194,000 $ 97,000 $ 58,000
Douglas, Wisconsin 2 $ 197,000 $ 98,500 $ 89,000
Grant, Wisconsin 2 $ 95,000 $ 47,500 $ 55,000
Green, Wisconsin 2 $ 292,000 $ 146,000 $ 125,000
Lafayette, Wisconsin 2 $ 140,000 $ 70,000 $ 28,000
Sauk, Wisconsin 2 $ 300,000 $ 150,000 $ 59,000
Sawyer, Wisconsin 2 $ 333,000 $ 166,500 $ 104,000
Taylor, Wisconsin 2 $ 86,000 $ 43,000 $ 63,000
Coconino, Arizona 1 $ 8,000 $ 8,000 $ 36,000
Pima, Arizona 1 $ 1,540,000 $ 1,540,000 $ 0
Custer, Colorado 1 $ 53,000 $ 53,000 $ 85,000
Eagle, Colorado 1 $ 350,000 $ 350,000 $ 314,000
Fremont, Colorado 1 $ 163,000 $ 163,000 $ 62,000
Gunnison, Colorado 1 $ 119,000 $ 119,000 $ 168,000
Morgan, Colorado 1 $ 20,000 $ 20,000 $ 119,000
Lee, Florida 1 $ 64,000 $ 64,000 $ 68,000
Orange, Florida 1 $ 12,000 $ 12,000 $ 126,000
Fulton, Illinois 1 $ 58,000 $ 58,000 $ 55,000
Jo Daviess, Illinois 1 $ 109,000 $ 109,000 $ 37,000
Livingston, Illinois 1 $ 70,000 $ 70,000 $ 43,000
McLean, Illinois 1 $ 128,000 $ 128,000 $ 81,000
Ogle, Illinois 1 $ 97,000 $ 97,000 $ 65,000
Elkhart, Indiana 1 $ 127,000 $ 127,000 $ 35,000
Starke, Indiana 1 $ 357,000 $ 357,000 $ 42,000
Johnson, Kansas 1 $ 1,096,000 $ 1,096,000 $ 0
Alpena, Michigan 1 $ 44,000 $ 44,000 $ 14,000
Clare, Michigan 1 $ 60,000 $ 60,000 $ 32,000
Eaton, Michigan 1 $ 21,000 $ 21,000 $ 61,000
Ionia, Michigan 1 $ 84,000 $ 84,000 $ 38,000
Iosco, Michigan 1 $ 3,308,000 $ 3,308,000 $ 0
Leelanau, Michigan 1 $ 96,000 $ 96,000 $ 8,000
Marquette, Michigan 1 $ 69,000 $ 69,000 $ 93,000
Oceana, Michigan 1 $ 36,000 $ 36,000 $ 68,000
Shiawassee, Michigan 1 $ 103,000 $ 103,000 $ 46,000
St. Joseph, Michigan 1 $ 100,000 $ 100,000 $ 66,000
Van Buren, Michigan 1 $ 109,000 $ 109,000 $ 43,000
Big Stone, Minnesota 1 $ 55,000 $ 55,000 $ 27,000
Brown, Minnesota 1 $ 355,000 $ 355,000 $ 190,000
Clay, Minnesota 1 $ 187,000 $ 187,000 $ 234,000
Cook, Minnesota 1 $ 265,000 $ 265,000 $ 150,000
Faribault, Minnesota 1 $ 28,000 $ 28,000 $ 6,000
Itasca, Minnesota 1 $ 60,000 $ 60,000 $ 37,000
Nobles, Minnesota 1 $ 80,000 $ 80,000 $ 54,000
Pipestone, Minnesota 1 $ 72,000 $ 72,000 $ 41,000
Polk, Minnesota 1 $ 90,000 $ 90,000 $ 66,000
Redwood, Minnesota 1 $ 100,000 $ 100,000 $ 34,000
Wadena, Minnesota 1 $ 120,000 $ 120,000 $ 95,000
Watonwan, Minnesota 1 $ 50,000 $ 50,000 $ 33,000
Brown, South Dakota 1 $ 100,000 $ 100,000 $ 60,000
Clay, South Dakota 1 $ 145,000 $ 145,000 $ 55,000
Hanson, South Dakota 1 $ 113,000 $ 113,000 $ 60,000
Lake, South Dakota 1 $ 100,000 $ 100,000 $ 25,000
McCook, South Dakota 1 $ 38,000 $ 38,000 $ 26,000
Yankton, South Dakota 1 $ 82,000 $ 82,000 $ 56,000
Bayfield, Wisconsin 1 $ 102,000 $ 102,000 $ 52,000
Green Lake, Wisconsin 1 $ 8,000 $ 8,000 $ 29,000
Marquette, Wisconsin 1 $ 37,000 $ 37,000 $ 33,000
Menominee, Wisconsin 1 $ 127,000 $ 127,000 $ 112,000
Pierce, Wisconsin 1 $ 190,000 $ 190,000 $ 90,000
Price, Wisconsin 1 $ 2,000 $ 2,000 $ 45,000
Vernon, Wisconsin 1 $ 224,000 $ 224,000 $ 75,000

Mortgage Loan Application Detail Totals for Tcf National Bank in 2011

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 7,562 $1,496,428,000 $197,000 $18,000,000 $75,000 $1,014,000
Home Purchase 1,507 $281,077,000 $186,000 $21,000,000 $58,000 $1,637,000
Home Improvement 1,182 $98,687,000 $83,000 $6,650,000 $62,000 $600,000

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 7,304 $1,171,580,000 $160,000 $3,000,000 $78,000 $1,637,000
Hispanic 1,357 $158,949,000 $117,000 $850,000 $46,000 $701,000
Not Provided 611 $111,732,000 $182,000 $3,750,000 $80,000 $600,000
Black or African American 429 $47,250,000 $110,000 $524,000 $56,000 $695,000
Asian 335 $61,720,000 $184,000 $2,280,000 $71,000 $299,000
Not applicable 147 $315,575,000 $2,146,000 $21,000,000 $0 $0
Native Hawaiian or Other Pacific Islander 41 $5,286,000 $128,000 $471,000 $64,000 $235,000
American Indian or Alaskan Native 27 $4,100,000 $151,000 $550,000 $54,000 $135,000

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) 10,251 $1,876,192,000 $183,000 $21,000,000 $71,000 $1,637,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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
Application Denied By Financial Institution 4,089 $721,649,000 $176,000 $18,000,000 $65,000 $800,000
Loan Originated 3,027 $666,951,000 $220,000 $21,000,000 $73,000 $1,637,000
File Closed For Incompleteness 2,739 $419,715,000 $153,000 $2,445,000 $79,000 $1,014,000
Application Approved But Not Accepted 315 $55,361,000 $175,000 $5,650,000 $68,000 $687,000
Application Withdrawn By Applicant 81 $12,516,000 $154,000 $1,180,000 $82,000 $432,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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
Collateral 1,481 $305,510,000 $206,000 $18,000,000 $85,000 $800,000
Credit History 1,253 $147,234,000 $117,000 $858,000 $57,000 $345,000
Debt-To-Income Ratio 1,248 $229,680,000 $184,000 $16,750,000 $51,000 $513,000
Unverifiable Information 60 $27,858,000 $464,000 $8,000,000 $69,000 $282,000
Other 24 $8,599,000 $358,000 $3,750,000 $52,000 $318,000
Employment History 16 $2,103,000 $131,000 $320,000 $36,000 $89,000
Insufficient Cash (Downpayment, Closing Cost) 5 $469,000 $93,000 $213,000 $45,000 $75,000
Credit Application Incomplete 2 $196,000 $98,000 $150,000 $33,000 $35,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Tcf National Bank's 2011 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 Tcf National Bank'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.
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