Tcf National Bank Mortgage Lending & HMDA Data, 2017
In 2017, Tcf National Bank of Sioux Falls, SD reported 5,537 mortgage applications totaling $1.8 billion, down 5% from 2016. The average application was for $326,961, and applicants reported an average income of $69,982. 42% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (2,049), Minneapolis-St. Paul-Bloomington, MN-WI (1,218) and Warren-Troy-Farmington Hills, MI (642) (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 | 5,537 |
| Total Mortgage Loan Application Amount | $1,810,386,000 |
| Average Mortgage Loan Application Amount | $326,961 |
| Highest Mortgage Loan Application Amount | $82,000,000 |
| Average Applicant Income | $69,982 |
| Highest Applicant Income | $3,500,000 |
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Act (HMDA) records Tcf National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 1,510 | $ 211,759,000 | $ 140,237 | $ 62,000 |
| Hennepin, Minnesota | 425 | $ 269,607,000 | $ 634,369 | $ 90,000 |
| Oakland, Michigan | 307 | $ 91,589,000 | $ 298,335 | $ 73,000 |
| Wayne, Michigan | 269 | $ 16,859,000 | $ 62,672 | $ 58,000 |
| DuPage, Illinois | 244 | $ 34,507,000 | $ 141,422 | $ 70,000 |
| Macomb, Michigan | 207 | $ 58,777,000 | $ 283,946 | $ 65,000 |
| Will, Illinois | 199 | $ 17,003,000 | $ 85,442 | $ 72,000 |
| Dakota, Minnesota | 197 | $ 97,910,000 | $ 497,005 | $ 74,000 |
| Anoka, Minnesota | 189 | $ 27,899,000 | $ 147,613 | $ 69,000 |
| Milwaukee, Wisconsin | 185 | $ 145,796,000 | $ 788,086 | $ 56,000 |
| Washtenaw, Michigan | 171 | $ 39,865,000 | $ 233,128 | $ 79,000 |
| Ramsey, Minnesota | 169 | $ 53,517,000 | $ 316,668 | $ 91,000 |
| Lake, Illinois | 139 | $ 17,582,000 | $ 126,489 | $ 71,000 |
| Livingston, Michigan | 119 | $ 15,081,000 | $ 126,731 | $ 69,000 |
| Kane, Illinois | 82 | $ 51,865,000 | $ 632,500 | $ 63,000 |
| Washington, Minnesota | 77 | $ 14,336,000 | $ 186,181 | $ 84,000 |
| McHenry, Illinois | 73 | $ 33,842,000 | $ 463,589 | $ 71,000 |
| Maricopa, Arizona | 67 | $ 42,499,000 | $ 634,313 | $ 77,000 |
| Kenosha, Wisconsin | 63 | $ 3,380,000 | $ 53,650 | $ 61,000 |
| El Paso, Colorado | 60 | $ 21,668,000 | $ 361,133 | $ 54,000 |
| Adams, Colorado | 53 | $ 33,560,000 | $ 633,207 | $ 67,000 |
| Arapahoe, Colorado | 49 | $ 32,927,000 | $ 671,979 | $ 63,000 |
| Jefferson, Colorado | 47 | $ 9,894,000 | $ 210,510 | $ 71,000 |
| Denver, Colorado | 44 | $ 49,798,000 | $ 1,131,772 | $ 56,000 |
| Sherburne, Minnesota | 38 | $ 5,921,000 | $ 155,815 | $ 83,000 |
| Racine, Wisconsin | 37 | $ 978,000 | $ 26,432 | $ 62,000 |
| Scott, Minnesota | 36 | $ 7,757,000 | $ 215,472 | $ 98,000 |
| Wright, Minnesota | 35 | $ 6,251,000 | $ 178,600 | $ 99,000 |
| Waukesha, Wisconsin | 32 | $ 14,846,000 | $ 463,937 | $ 71,000 |
| Carver, Minnesota | 24 | $ 4,034,000 | $ 168,083 | $ 92,000 |
| Kendall, Illinois | 20 | $ 2,162,000 | $ 108,100 | $ 63,000 |
| Stearns, Minnesota | 20 | $ 1,866,000 | $ 93,300 | $ 80,000 |
| Douglas, Colorado | 19 | $ 5,334,000 | $ 280,736 | $ 152,000 |
| Winnebago, Illinois | 19 | $ 1,431,000 | $ 75,315 | $ 43,000 |
| Minnehaha, South Dakota | 19 | $ 690,000 | $ 36,315 | $ 53,000 |
| Blue Earth, Minnesota | 18 | $ 2,439,000 | $ 135,500 | $ 64,000 |
| Jackson, Michigan | 17 | $ 1,899,000 | $ 111,705 | $ 77,000 |
| Chisago, Minnesota | 15 | $ 2,190,000 | $ 146,000 | $ 87,000 |
| Lake, Indiana | 13 | $ 1,219,000 | $ 93,769 | $ 56,000 |
| Boulder, Colorado | 11 | $ 21,308,000 | $ 1,937,090 | $ 99,000 |
| St. Clair, Michigan | 9 | $ 6,728,000 | $ 747,555 | $ 48,000 |
| Broomfield, Colorado | 6 | $ 1,686,000 | $ 281,000 | $ 191,000 |
| Pueblo, Colorado | 6 | $ 786,000 | $ 131,000 | $ 67,000 |
| Boone, Illinois | 6 | $ 725,000 | $ 120,833 | $ 57,000 |
| DeKalb, Illinois | 6 | $ 476,000 | $ 79,333 | $ 65,000 |
| Calhoun, Michigan | 6 | $ 372,000 | $ 62,000 | $ 42,000 |
| Lenawee, Michigan | 6 | $ 863,000 | $ 143,833 | $ 85,000 |
| Benton, Minnesota | 6 | $ 409,000 | $ 68,166 | $ 85,000 |
| McLeod, Minnesota | 6 | $ 673,000 | $ 112,166 | $ 95,000 |
| Olmsted, Minnesota | 6 | $ 27,649,000 | $ 4,608,166 | $ 72,000 |
| Pinal, Arizona | 5 | $ 491,000 | $ 98,200 | $ 46,000 |
| Isanti, Minnesota | 5 | $ 631,000 | $ 126,200 | $ 63,000 |
| St. Louis, Minnesota | 5 | $ 579,000 | $ 115,800 | $ 88,000 |
| Wood, Wisconsin | 5 | $ 341,000 | $ 68,200 | $ 28,000 |
| Monroe, Michigan | 4 | $ 2,978,000 | $ 744,500 | $ 68,000 |
| Nicollet, Minnesota | 4 | $ 324,000 | $ 81,000 | $ 66,000 |
| St. Croix, Wisconsin | 4 | $ 2,567,000 | $ 641,750 | $ 33,000 |
| Grundy, Illinois | 3 | $ 355,000 | $ 118,333 | $ 42,000 |
| Kankakee, Illinois | 3 | $ 222,000 | $ 74,000 | $ 85,000 |
| Ingham, Michigan | 3 | $ 391,000 | $ 130,333 | $ 73,000 |
| Aitkin, Minnesota | 3 | $ 318,000 | $ 106,000 | $ 70,000 |
| Cass, Minnesota | 3 | $ 346,000 | $ 115,333 | $ 132,000 |
| Mower, Minnesota | 3 | $ 300,000 | $ 100,000 | $ 63,000 |
| Pine, Minnesota | 3 | $ 247,000 | $ 82,333 | $ 109,000 |
| Marathon, Wisconsin | 3 | $ 256,000 | $ 85,333 | $ 81,000 |
| Mesa, Colorado | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Weld, Colorado | 2 | $ 429,000 | $ 214,500 | $ 84,000 |
| LaSalle, Illinois | 2 | $ 235,000 | $ 117,500 | $ 121,000 |
| LaPorte, Indiana | 2 | $ 285,000 | $ 142,500 | $ 90,000 |
| Genesee, Michigan | 2 | $ 281,000 | $ 140,500 | $ 37,000 |
| Oscoda, Michigan | 2 | $ 137,000 | $ 68,500 | $ 72,000 |
| Saginaw, Michigan | 2 | $ 98,000 | $ 49,000 | $ 52,000 |
| Kanabec, Minnesota | 2 | $ 274,000 | $ 137,000 | $ 87,000 |
| Le Sueur, Minnesota | 2 | $ 386,000 | $ 193,000 | $ 57,000 |
| Morrison, Minnesota | 2 | $ 125,000 | $ 62,500 | $ 36,000 |
| Lincoln, South Dakota | 2 | $ 16,000 | $ 8,000 | $ 57,000 |
| Harris, Texas | 2 | $ 24,440,000 | $ 12,220,000 | $ 0 |
| Salt Lake, Utah | 2 | $ 18,817,000 | $ 9,408,500 | $ 0 |
| Fond du Lac, Wisconsin | 2 | $ 4,095,000 | $ 2,047,500 | $ 34,000 |
| Outagamie, Wisconsin | 2 | $ 5,056,000 | $ 2,528,000 | $ 10,000 |
| Walworth, Wisconsin | 2 | $ 216,000 | $ 108,000 | $ 34,000 |
| Mohave, Arizona | 1 | $ 100,000 | $ 100,000 | $ 21,000 |
| Los Angeles, California | 1 | $ 11,455,000 | $ 11,455,000 | $ 0 |
| Clear Creek, Colorado | 1 | $ 64,000 | $ 64,000 | $ 442,000 |
| Garfield, Colorado | 1 | $ 424,000 | $ 424,000 | $ 127,000 |
| Summit, Colorado | 1 | $ 281,000 | $ 281,000 | $ 279,000 |
| Orange, Florida | 1 | $ 21,850,000 | $ 21,850,000 | $ 0 |
| Polk, Florida | 1 | $ 21,840,000 | $ 21,840,000 | $ 0 |
| Jo Daviess, Illinois | 1 | $ 33,000 | $ 33,000 | $ 67,000 |
| Ogle, Illinois | 1 | $ 61,000 | $ 61,000 | $ 44,000 |
| Sangamon, Illinois | 1 | $ 135,000 | $ 135,000 | $ 94,000 |
| Shelby, Illinois | 1 | $ 97,000 | $ 97,000 | $ 299,000 |
| Porter, Indiana | 1 | $ 100,000 | $ 100,000 | $ 131,000 |
| Starke, Indiana | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Vermillion, Indiana | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Warren, Indiana | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Boone, Kentucky | 1 | $ 25,093,000 | $ 25,093,000 | $ 0 |
| Hardin, Kentucky | 1 | $ 7,380,000 | $ 7,380,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 32,967,000 | $ 32,967,000 | $ 0 |
| Arenac, Michigan | 1 | $ 29,000 | $ 29,000 | $ 62,000 |
| Baraga, Michigan | 1 | $ 200,000 | $ 200,000 | $ 246,000 |
| Bay, Michigan | 1 | $ 79,000 | $ 79,000 | $ 47,000 |
| Chippewa, Michigan | 1 | $ 53,000 | $ 53,000 | $ 105,000 |
| Eaton, Michigan | 1 | $ 76,000 | $ 76,000 | $ 53,000 |
| Emmet, Michigan | 1 | $ 109,000 | $ 109,000 | $ 134,000 |
| Huron, Michigan | 1 | $ 176,000 | $ 176,000 | $ 46,000 |
| Kalamazoo, Michigan | 1 | $ 197,000 | $ 197,000 | $ 89,000 |
| Kent, Michigan | 1 | $ 13,500,000 | $ 13,500,000 | $ 0 |
| Luce, Michigan | 1 | $ 36,000 | $ 36,000 | $ 65,000 |
| Marquette, Michigan | 1 | $ 60,000 | $ 60,000 | $ 105,000 |
| Van Buren, Michigan | 1 | $ 400,000 | $ 400,000 | $ 106,000 |
| Becker, Minnesota | 1 | $ 221,000 | $ 221,000 | $ 128,000 |
| Clearwater, Minnesota | 1 | $ 113,000 | $ 113,000 | $ 44,000 |
| Cook, Minnesota | 1 | $ 415,000 | $ 415,000 | $ 247,000 |
| Cottonwood, Minnesota | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Crow Wing, Minnesota | 1 | $ 158,000 | $ 158,000 | $ 91,000 |
| Faribault, Minnesota | 1 | $ 40,000 | $ 40,000 | $ 12,000 |
| Goodhue, Minnesota | 1 | $ 22,000 | $ 22,000 | $ 23,000 |
| Itasca, Minnesota | 1 | $ 142,000 | $ 142,000 | $ 197,000 |
| Lake, Minnesota | 1 | $ 41,000 | $ 41,000 | $ 45,000 |
| Meeker, Minnesota | 1 | $ 94,000 | $ 94,000 | $ 106,000 |
| Mille Lacs, Minnesota | 1 | $ 127,000 | $ 127,000 | $ 94,000 |
| Rice, Minnesota | 1 | $ 168,000 | $ 168,000 | $ 35,000 |
| Steele, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Wadena, Minnesota | 1 | $ 78,000 | $ 78,000 | $ 286,000 |
| Ward, North Dakota | 1 | $ 290,000 | $ 290,000 | $ 106,000 |
| Cuyahoga, Ohio | 1 | $ 12,565,000 | $ 12,565,000 | $ 0 |
| Stark, Ohio | 1 | $ 11,200,000 | $ 11,200,000 | $ 0 |
| Summit, Ohio | 1 | $ 7,651,000 | $ 7,651,000 | $ 0 |
| Westmoreland, Pennsylvania | 1 | $ 7,500,000 | $ 7,500,000 | $ 0 |
| Brookings, South Dakota | 1 | $ 123,000 | $ 123,000 | $ 52,000 |
| McCook, South Dakota | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| King, Washington | 1 | $ 15,000,000 | $ 15,000,000 | $ 0 |
| Whitman, Washington | 1 | $ 18,420,000 | $ 18,420,000 | $ 0 |
| Adams, Wisconsin | 1 | $ 78,000 | $ 78,000 | $ 65,000 |
| Burnett, Wisconsin | 1 | $ 67,000 | $ 67,000 | $ 59,000 |
| Dane, Wisconsin | 1 | $ 19,750,000 | $ 19,750,000 | $ 0 |
| Douglas, Wisconsin | 1 | $ 204,000 | $ 204,000 | $ 50,000 |
| Lincoln, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Oneida, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Pierce, Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 36,000 |
| Polk, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Rock, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Sheboygan, Wisconsin | 1 | $ 107,000 | $ 107,000 | $ 38,000 |
| Vilas, Wisconsin | 1 | $ 31,000 | $ 31,000 | $ 54,000 |
| Washburn, Wisconsin | 1 | $ 174,000 | $ 174,000 | $ 147,000 |
| Waupaca, Wisconsin | 1 | $ 96,000 | $ 96,000 | $ 20,000 |
| Winnebago, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Tcf National Bank in 2017
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 | 2,210 | $441,112,000 | $199,000 | $27,000,000 | $74,000 | $850,000 |
| Home Improvement | 2,186 | $74,370,000 | $34,000 | $20,000,000 | $68,000 | $620,000 |
| Home Purchase | 1,141 | $1,294,904,000 | $1,134,000 | $82,000,000 | $66,000 | $3,500,000 |
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 | 3,349 | $358,808,000 | $107,000 | $2,556,000 | $75,000 | $3,500,000 |
| Hispanic | 826 | $73,029,000 | $88,000 | $418,000 | $56,000 | $756,000 |
| Black or African American | 530 | $36,727,000 | $69,000 | $424,000 | $61,000 | $500,000 |
| Not Provided | 396 | $50,723,000 | $128,000 | $800,000 | $78,000 | $850,000 |
| Asian | 313 | $30,625,000 | $97,000 | $424,000 | $72,000 | $600,000 |
| Not applicable | 88 | $1,256,818,000 | $14,282,000 | $82,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 21 | $1,655,000 | $78,000 | $251,000 | $65,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,001,000 | $142,000 | $267,000 | $89,000 | $143,000 |
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) | 4,843 | $1,697,432,000 | $350,000 | $82,000,000 | $71,000 | $3,500,000 |
| FHA-insured (Federal Housing Administration) | 686 | $111,537,000 | $162,000 | $468,000 | $63,000 | $756,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,417,000 | $177,000 | $290,000 | $65,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,298 | $741,978,000 | $322,000 | $32,967,000 | $77,000 | $3,500,000 |
| Application Denied By Financial Institution | 1,712 | $447,065,000 | $261,000 | $39,490,000 | $60,000 | $850,000 |
| Application Withdrawn By Applicant | 658 | $435,846,000 | $662,000 | $82,000,000 | $79,000 | $850,000 |
| Loan Purchased By The Institution | 596 | $85,746,000 | $143,000 | $309,000 | $55,000 | $278,000 |
| File Closed For Incompleteness | 240 | $37,449,000 | $156,000 | $414,000 | $82,000 | $500,000 |
| Application Approved But Not Accepted | 33 | $62,302,000 | $1,887,000 | $47,000,000 | $76,000 | $255,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 717 | $58,821,000 | $82,000 | $7,500,000 | $51,000 | $454,000 |
| Credit History | 540 | $48,319,000 | $89,000 | $20,000,000 | $62,000 | $850,000 |
| Unverifiable Information | 182 | $47,606,000 | $261,000 | $39,490,000 | $83,000 | $620,000 |
| Other | 133 | $265,504,000 | $1,996,000 | $29,738,000 | $56,000 | $251,000 |
| Collateral | 107 | $21,812,000 | $203,000 | $4,640,000 | $78,000 | $500,000 |
| Employment History | 17 | $2,554,000 | $150,000 | $432,000 | $46,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,449,000 | $153,000 | $265,000 | $62,000 | $137,000 |
| 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 2017 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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