Tcf National Bank Mortgage Lending & HMDA Data, 2012

In 2012, Tcf National Bank of Sioux Falls, SD reported 5,962 mortgage applications totaling $1.4 billion, down 42% from 2011. The average application was for $235,111, and applicants reported an average income of $82,937. 29% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (3,863), Chicago-Joliet-Naperville, IL (637) and Denver-Aurora-Broomfield, CO (370) (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 5,962
Total Mortgage Loan Application Amount $1,401,732,000
Average Mortgage Loan Application Amount $235,111
Highest Mortgage Loan Application Amount $29,445,000
Average Applicant Income $82,937
Highest Applicant Income $2,516,000

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Act (HMDA) records Tcf National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hennepin, Minnesota 1,348 $ 349,826,000 $ 259,514 $ 94,000
Ramsey, Minnesota 610 $ 100,140,000 $ 164,163 $ 79,000
Anoka, Minnesota 582 $ 93,808,000 $ 161,182 $ 73,000
Dakota, Minnesota 523 $ 113,513,000 $ 217,042 $ 89,000
Cook, Illinois 468 $ 81,428,000 $ 173,991 $ 51,000
Washington, Minnesota 313 $ 73,907,000 $ 236,124 $ 91,000
Scott, Minnesota 135 $ 31,207,000 $ 231,162 $ 108,000
Jefferson, Colorado 91 $ 25,203,000 $ 276,956 $ 89,000
Milwaukee, Wisconsin 90 $ 64,530,000 $ 717,000 $ 45,000
Stearns, Minnesota 89 $ 11,727,000 $ 131,764 $ 60,000
Wright, Minnesota 89 $ 16,523,000 $ 185,651 $ 84,000
Carver, Minnesota 85 $ 19,793,000 $ 232,858 $ 108,000
Denver, Colorado 80 $ 15,775,000 $ 197,187 $ 101,000
El Paso, Colorado 80 $ 14,859,000 $ 185,737 $ 81,000
Washtenaw, Michigan 77 $ 28,460,000 $ 369,610 $ 153,000
Sherburne, Minnesota 77 $ 16,883,000 $ 219,259 $ 82,000
Arapahoe, Colorado 74 $ 21,189,000 $ 286,337 $ 91,000
DuPage, Illinois 64 $ 19,214,000 $ 300,218 $ 65,000
Douglas, Colorado 62 $ 15,707,000 $ 253,338 $ 143,000
Oakland, Michigan 53 $ 16,967,000 $ 320,132 $ 73,000
Adams, Colorado 52 $ 9,059,000 $ 174,211 $ 72,000
Chisago, Minnesota 48 $ 9,139,000 $ 190,395 $ 71,000
Wayne, Michigan 47 $ 4,528,000 $ 96,340 $ 69,000
Kane, Illinois 44 $ 4,207,000 $ 95,613 $ 50,000
Will, Illinois 41 $ 4,622,000 $ 112,731 $ 73,000
Macomb, Michigan 40 $ 5,888,000 $ 147,200 $ 58,000
Blue Earth, Minnesota 37 $ 4,569,000 $ 123,486 $ 72,000
Lake, Illinois 31 $ 4,133,000 $ 133,322 $ 41,000
Isanti, Minnesota 24 $ 3,786,000 $ 157,750 $ 68,000
Olmsted, Minnesota 23 $ 4,017,000 $ 174,652 $ 115,000
St. Croix, Wisconsin 22 $ 5,163,000 $ 234,681 $ 104,000
Livingston, Michigan 21 $ 3,264,000 $ 155,428 $ 98,000
St. Louis, Minnesota 21 $ 22,817,000 $ 1,086,523 $ 90,000
Benton, Minnesota 18 $ 2,541,000 $ 141,166 $ 69,000
Boulder, Colorado 17 $ 4,482,000 $ 263,647 $ 146,000
Kenosha, Wisconsin 17 $ 3,276,000 $ 192,705 $ 51,000
Larimer, Colorado 15 $ 1,752,000 $ 116,800 $ 154,000
McHenry, Illinois 14 $ 1,566,000 $ 111,857 $ 49,000
Rice, Minnesota 14 $ 2,669,000 $ 190,642 $ 77,000
Racine, Wisconsin 14 $ 5,120,000 $ 365,714 $ 60,000
Calhoun, Michigan 13 $ 1,307,000 $ 100,538 $ 51,000
Waukesha, Wisconsin 13 $ 5,487,000 $ 422,076 $ 144,000
Cass, Minnesota 12 $ 2,397,000 $ 199,750 $ 127,000
Crow Wing, Minnesota 12 $ 3,743,000 $ 311,916 $ 151,000
Goodhue, Minnesota 12 $ 1,947,000 $ 162,250 $ 91,000
Boone, Illinois 11 $ 4,850,000 $ 440,909 $ 35,000
Maricopa, Arizona 10 $ 4,435,000 $ 443,500 $ 80,000
Winnebago, Illinois 10 $ 513,000 $ 51,300 $ 35,000
Lake, Indiana 9 $ 304,000 $ 33,777 $ 29,000
Aitkin, Minnesota 9 $ 1,714,000 $ 190,444 $ 96,000
Pine, Minnesota 9 $ 1,088,000 $ 120,888 $ 81,000
Weld, Colorado 8 $ 1,295,000 $ 161,875 $ 87,000
Saginaw, Michigan 8 $ 774,000 $ 96,750 $ 61,000
Sibley, Minnesota 8 $ 1,006,000 $ 125,750 $ 70,000
Burnett, Wisconsin 8 $ 1,064,000 $ 133,000 $ 95,000
Mille Lacs, Minnesota 7 $ 1,042,000 $ 148,857 $ 62,000
Pierce, Wisconsin 7 $ 1,656,000 $ 236,571 $ 110,000
Polk, Wisconsin 7 $ 875,000 $ 125,000 $ 76,000
Washington, Wisconsin 7 $ 6,910,000 $ 987,142 $ 8,000
Meeker, Minnesota 6 $ 571,000 $ 95,166 $ 48,000
Minnehaha, South Dakota 6 $ 1,032,000 $ 172,000 $ 66,000
Brown, Wisconsin 6 $ 1,797,000 $ 299,500 $ 49,000
Portage, Wisconsin 6 $ 623,000 $ 103,833 $ 54,000
Wood, Wisconsin 6 $ 512,000 $ 85,333 $ 44,000
Genesee, Michigan 5 $ 4,174,000 $ 834,800 $ 52,000
Jackson, Michigan 5 $ 670,000 $ 134,000 $ 63,000
Le Sueur, Minnesota 5 $ 522,000 $ 104,400 $ 51,000
Fond du Lac, Wisconsin 5 $ 1,188,000 $ 237,600 $ 45,000
Elbert, Colorado 4 $ 693,000 $ 173,250 $ 134,000
Teller, Colorado 4 $ 508,000 $ 127,000 $ 53,000
Lenawee, Michigan 4 $ 359,000 $ 89,750 $ 73,000
Brown, Minnesota 4 $ 661,000 $ 165,250 $ 83,000
Itasca, Minnesota 4 $ 265,000 $ 66,250 $ 74,000
McLeod, Minnesota 4 $ 555,000 $ 138,750 $ 38,000
Steele, Minnesota 4 $ 1,944,000 $ 486,000 $ 182,000
Douglas, Wisconsin 4 $ 477,000 $ 119,250 $ 62,000
Ozaukee, Wisconsin 4 $ 2,234,000 $ 558,500 $ 60,000
Winnebago, Wisconsin 4 $ 783,000 $ 195,750 $ 53,000
Broomfield, Colorado 3 $ 575,000 $ 191,666 $ 155,000
Kendall, Illinois 3 $ 375,000 $ 125,000 $ 67,000
Tuscola, Michigan 3 $ 461,000 $ 153,666 $ 59,000
Carlton, Minnesota 3 $ 699,000 $ 233,000 $ 76,000
Cook, Minnesota 3 $ 639,000 $ 213,000 $ 192,000
Kandiyohi, Minnesota 3 $ 501,000 $ 167,000 $ 132,000
Morrison, Minnesota 3 $ 251,000 $ 83,666 $ 45,000
Nicollet, Minnesota 3 $ 307,000 $ 102,333 $ 77,000
Polk, Minnesota 3 $ 299,000 $ 99,666 $ 49,000
Pope, Minnesota 3 $ 491,000 $ 163,666 $ 63,000
Wabasha, Minnesota 3 $ 834,000 $ 278,000 $ 81,000
Chippewa, Wisconsin 3 $ 378,000 $ 126,000 $ 97,000
Dane, Wisconsin 3 $ 9,440,000 $ 3,146,666 $ 0
Lincoln, Wisconsin 3 $ 263,000 $ 87,666 $ 40,000
Marathon, Wisconsin 3 $ 260,000 $ 86,666 $ 45,000
Clear Creek, Colorado 2 $ 280,000 $ 140,000 $ 50,000
Park, Colorado 2 $ 410,000 $ 205,000 $ 133,000
Pueblo, Colorado 2 $ 2,700,000 $ 1,350,000 $ 17,000
Summit, Colorado 2 $ 668,000 $ 334,000 $ 143,000
Grundy, Illinois 2 $ 155,000 $ 77,500 $ 419,000
LaPorte, Indiana 2 $ 1,365,000 $ 682,500 $ 0
Barry, Michigan 2 $ 197,000 $ 98,500 $ 48,000
Monroe, Michigan 2 $ 2,650,000 $ 1,325,000 $ 13,000
St. Clair, Michigan 2 $ 316,000 $ 158,000 $ 52,000
Beltrami, Minnesota 2 $ 347,000 $ 173,500 $ 65,000
Douglas, Minnesota 2 $ 108,000 $ 54,000 $ 76,000
Faribault, Minnesota 2 $ 144,000 $ 72,000 $ 47,000
Hubbard, Minnesota 2 $ 244,000 $ 122,000 $ 64,000
Kanabec, Minnesota 2 $ 280,000 $ 140,000 $ 95,000
Mower, Minnesota 2 $ 93,000 $ 46,500 $ 31,000
Otter Tail, Minnesota 2 $ 250,000 $ 125,000 $ 70,000
Wadena, Minnesota 2 $ 235,000 $ 117,500 $ 64,000
Waseca, Minnesota 2 $ 434,000 $ 217,000 $ 50,000
Dunn, Wisconsin 2 $ 247,000 $ 123,500 $ 81,000
Outagamie, Wisconsin 2 $ 319,000 $ 159,500 $ 52,000
Pepin, Wisconsin 2 $ 435,000 $ 217,500 $ 67,000
Sawyer, Wisconsin 2 $ 219,000 $ 109,500 $ 168,000
Washburn, Wisconsin 2 $ 215,000 $ 107,500 $ 90,000
Pinal, Arizona 1 $ 80,000 $ 80,000 $ 40,000
Contra Costa, California 1 $ 50,000 $ 50,000 $ 120,000
Eagle, Colorado 1 $ 12,250,000 $ 12,250,000 $ 0
Garfield, Colorado 1 $ 665,000 $ 665,000 $ 197,000
La Plata, Colorado 1 $ 140,000 $ 140,000 $ 75,000
Ouray, Colorado 1 $ 102,000 $ 102,000 $ 46,000
DeKalb, Illinois 1 $ 154,000 $ 154,000 $ 97,000
Kankakee, Illinois 1 $ 200,000 $ 200,000 $ 64,000
LaSalle, Illinois 1 $ 64,000 $ 64,000 $ 25,000
Sangamon, Illinois 1 $ 20,000 $ 20,000 $ 44,000
Stephenson, Illinois 1 $ 198,000 $ 198,000 $ 50,000
Daviess, Indiana 1 $ 80,000 $ 80,000 $ 65,000
Grant, Indiana 1 $ 2,077,000 $ 2,077,000 $ 0
Greene, Indiana 1 $ 35,000 $ 35,000 $ 58,000
Howard, Indiana 1 $ 2,079,000 $ 2,079,000 $ 0
Starke, Indiana 1 $ 363,000 $ 363,000 $ 42,000
Geary, Kansas 1 $ 8,200,000 $ 8,200,000 $ 0
Baltimore, Maryland 1 $ 17,100,000 $ 17,100,000 $ 0
Bay, Michigan 1 $ 86,000 $ 86,000 $ 18,000
Isabella, Michigan 1 $ 42,000 $ 42,000 $ 18,000
Lapeer, Michigan 1 $ 71,000 $ 71,000 $ 34,000
Chippewa, Minnesota 1 $ 93,000 $ 93,000 $ 82,000
Koochiching, Minnesota 1 $ 61,000 $ 61,000 $ 100,000
Redwood, Minnesota 1 $ 135,000 $ 135,000 $ 145,000
Swift, Minnesota 1 $ 92,000 $ 92,000 $ 66,000
Todd, Minnesota 1 $ 65,000 $ 65,000 $ 25,000
Watonwan, Minnesota 1 $ 50,000 $ 50,000 $ 48,000
Winona, Minnesota 1 $ 102,000 $ 102,000 $ 24,000
Greene, Missouri 1 $ 1,800,000 $ 1,800,000 $ 0
Comanche, Oklahoma 1 $ 12,320,000 $ 12,320,000 $ 0
Roberts, South Dakota 1 $ 2,000 $ 2,000 $ 30,000
El Paso, Texas 1 $ 5,100,000 $ 5,100,000 $ 0
Harris, Texas 1 $ 7,000,000 $ 7,000,000 $ 0
Adams, Wisconsin 1 $ 95,000 $ 95,000 $ 70,000
Buffalo, Wisconsin 1 $ 2,000 $ 2,000 $ 18,000
Calumet, Wisconsin 1 $ 196,000 $ 196,000 $ 94,000
Dodge, Wisconsin 1 $ 111,000 $ 111,000 $ 51,000
Door, Wisconsin 1 $ 528,000 $ 528,000 $ 206,000
Eau Claire, Wisconsin 1 $ 100,000 $ 100,000 $ 101,000
Green Lake, Wisconsin 1 $ 101,000 $ 101,000 $ 127,000
Jefferson, Wisconsin 1 $ 1,200,000 $ 1,200,000 $ 0
Lafayette, Wisconsin 1 $ 130,000 $ 130,000 $ 55,000
Langlade, Wisconsin 1 $ 64,000 $ 64,000 $ 25,000
Marquette, Wisconsin 1 $ 125,000 $ 125,000 $ 62,000
Oconto, Wisconsin 1 $ 198,000 $ 198,000 $ 53,000
Price, Wisconsin 1 $ 65,000 $ 65,000 $ 48,000
Rock, Wisconsin 1 $ 54,000 $ 54,000 $ 60,000
Sheboygan, Wisconsin 1 $ 77,000 $ 77,000 $ 48,000
Vilas, Wisconsin 1 $ 340,000 $ 340,000 $ 208,000
Walworth, Wisconsin 1 $ 111,000 $ 111,000 $ 107,000
Waupaca, Wisconsin 1 $ 43,000 $ 43,000 $ 19,000

Mortgage Loan Application Detail Totals for Tcf National Bank 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 4,658 $955,445,000 $205,000 $17,100,000 $86,000 $1,181,000
Home Purchase 894 $382,620,000 $427,000 $29,445,000 $72,000 $2,516,000
Home Improvement 410 $63,667,000 $155,000 $10,204,000 $72,000 $814,000

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 4,477 $793,173,000 $177,000 $3,200,000 $89,000 $1,174,000
Hispanic 539 $56,777,000 $105,000 $650,000 $47,000 $316,000
Not Provided 401 $64,301,000 $160,000 $1,300,000 $97,000 $2,516,000
Asian 204 $32,822,000 $160,000 $752,000 $82,000 $600,000
Black or African American 153 $19,785,000 $129,000 $750,000 $64,000 $285,000
Not applicable 138 $426,695,000 $3,091,000 $29,445,000 $0 $0
Native Hawaiian or Other Pacific Islander 41 $6,512,000 $158,000 $868,000 $75,000 $456,000
American Indian or Alaskan Native 9 $1,667,000 $185,000 $324,000 $67,000 $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) 5,962 $1,401,732,000 $235,000 $29,445,000 $83,000 $2,516,000
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 2,328 $450,030,000 $193,000 $5,920,000 $79,000 $1,181,000
Loan Originated 1,749 $644,464,000 $368,000 $29,445,000 $85,000 $2,516,000
File Closed For Incompleteness 1,700 $266,553,000 $156,000 $1,087,000 $86,000 $755,000
Application Approved But Not Accepted 131 $29,559,000 $225,000 $3,450,000 $77,000 $275,000
Application Withdrawn By Applicant 54 $11,126,000 $206,000 $1,100,000 $78,000 $288,000
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 1,096 $226,866,000 $206,000 $908,000 $97,000 $1,181,000
Credit History 623 $90,369,000 $145,000 $3,200,000 $67,000 $694,000
Debt-To-Income Ratio 562 $114,063,000 $202,000 $5,000,000 $57,000 $443,000
Unverifiable Information 29 $11,437,000 $394,000 $5,920,000 $70,000 $300,000
Other 12 $6,439,000 $536,000 $2,700,000 $69,000 $273,000
Employment History 6 $856,000 $142,000 $249,000 $76,000 $123,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

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