Tcf National Bank Mortgage Lending & HMDA Data, 2009
In 2009, Tcf National Bank of Sioux Falls, SD reported 18,874 mortgage applications totaling $3.0 billion, up 1% from 2008. The average application was for $156,788, and applicants reported an average income of $69,935. 27% of its applications resulted in an originated loan and 44% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (8,030), Chicago-Naperville-Joliet, IL (5,024) and Milwaukee-Waukesha-West Allis, WI (944) (applications in parentheses).
| Mortgage Company & Address | Tcf National Bank 2508 Louise Ave S (002-01-P) Sioux Falls, SD 57106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 18,874 |
| Total Mortgage Loan Application Amount | $2,959,231,000 |
| Average Mortgage Loan Application Amount | $156,788 |
| Highest Mortgage Loan Application Amount | $12,650,000 |
| Average Applicant Income | $69,935 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Tcf National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,900 | $ 660,391,000 | $ 169,331 | $ 63,000 |
| Hennepin, Minnesota | 2,927 | $ 497,781,000 | $ 170,065 | $ 77,000 |
| Anoka, Minnesota | 1,479 | $ 219,116,000 | $ 148,151 | $ 68,000 |
| Ramsey, Minnesota | 1,228 | $ 187,322,000 | $ 152,542 | $ 70,000 |
| Dakota, Minnesota | 964 | $ 168,051,000 | $ 174,326 | $ 79,000 |
| Milwaukee, Wisconsin | 728 | $ 87,833,000 | $ 120,649 | $ 60,000 |
| Washington, Minnesota | 573 | $ 113,161,000 | $ 197,488 | $ 79,000 |
| DuPage, Illinois | 406 | $ 84,234,000 | $ 207,472 | $ 93,000 |
| Will, Illinois | 329 | $ 59,285,000 | $ 180,197 | $ 70,000 |
| El Paso, Colorado | 289 | $ 52,689,000 | $ 182,314 | $ 71,000 |
| Lake, Illinois | 285 | $ 42,106,000 | $ 147,740 | $ 60,000 |
| Racine, Wisconsin | 261 | $ 25,457,000 | $ 97,536 | $ 59,000 |
| Kane, Illinois | 228 | $ 34,056,000 | $ 149,368 | $ 58,000 |
| Scott, Minnesota | 199 | $ 37,596,000 | $ 188,924 | $ 84,000 |
| Jefferson, Colorado | 196 | $ 41,014,000 | $ 209,255 | $ 74,000 |
| Kenosha, Wisconsin | 179 | $ 19,041,000 | $ 106,374 | $ 69,000 |
| Denver, Colorado | 164 | $ 28,501,000 | $ 173,786 | $ 70,000 |
| Maricopa, Arizona | 163 | $ 27,284,000 | $ 167,386 | $ 80,000 |
| Brown, Wisconsin | 159 | $ 13,965,000 | $ 87,830 | $ 66,000 |
| Wright, Minnesota | 157 | $ 29,104,000 | $ 185,375 | $ 77,000 |
| Sherburne, Minnesota | 151 | $ 24,657,000 | $ 163,291 | $ 68,000 |
| Arapahoe, Colorado | 143 | $ 26,950,000 | $ 188,461 | $ 74,000 |
| Carver, Minnesota | 140 | $ 29,023,000 | $ 207,307 | $ 110,000 |
| Oakland, Michigan | 137 | $ 19,080,000 | $ 139,270 | $ 69,000 |
| Marathon, Wisconsin | 131 | $ 11,576,000 | $ 88,366 | $ 55,000 |
| Waukesha, Wisconsin | 126 | $ 14,030,000 | $ 111,349 | $ 85,000 |
| Stearns, Minnesota | 123 | $ 16,192,000 | $ 131,642 | $ 60,000 |
| Portage, Wisconsin | 120 | $ 10,398,000 | $ 86,650 | $ 53,000 |
| Wayne, Michigan | 113 | $ 14,731,000 | $ 130,362 | $ 77,000 |
| McHenry, Illinois | 111 | $ 19,687,000 | $ 177,360 | $ 78,000 |
| Adams, Colorado | 109 | $ 16,513,000 | $ 151,495 | $ 64,000 |
| Outagamie, Wisconsin | 100 | $ 5,811,000 | $ 58,110 | $ 61,000 |
| Chisago, Minnesota | 96 | $ 17,617,000 | $ 183,510 | $ 68,000 |
| Winnebago, Wisconsin | 93 | $ 7,442,000 | $ 80,021 | $ 65,000 |
| Washtenaw, Michigan | 91 | $ 13,264,000 | $ 145,758 | $ 66,000 |
| Lake, Indiana | 90 | $ 8,081,000 | $ 89,788 | $ 38,000 |
| Douglas, Colorado | 83 | $ 21,992,000 | $ 264,963 | $ 121,000 |
| Blue Earth, Minnesota | 81 | $ 9,109,000 | $ 112,456 | $ 54,000 |
| Winnebago, Illinois | 80 | $ 6,800,000 | $ 85,000 | $ 73,000 |
| Sheboygan, Wisconsin | 78 | $ 7,379,000 | $ 94,602 | $ 64,000 |
| Manitowoc, Wisconsin | 70 | $ 4,942,000 | $ 70,600 | $ 59,000 |
| Macomb, Michigan | 69 | $ 7,007,000 | $ 101,550 | $ 58,000 |
| Dane, Wisconsin | 61 | $ 5,820,000 | $ 95,409 | $ 62,000 |
| Fond du Lac, Wisconsin | 59 | $ 7,851,000 | $ 133,067 | $ 51,000 |
| Calumet, Wisconsin | 57 | $ 5,253,000 | $ 92,157 | $ 67,000 |
| Isanti, Minnesota | 55 | $ 7,951,000 | $ 144,563 | $ 63,000 |
| Wood, Wisconsin | 55 | $ 4,406,000 | $ 80,109 | $ 51,000 |
| Washington, Wisconsin | 54 | $ 5,116,000 | $ 94,740 | $ 65,000 |
| Livingston, Michigan | 51 | $ 8,661,000 | $ 169,823 | $ 71,000 |
| St. Croix, Wisconsin | 48 | $ 9,585,000 | $ 199,687 | $ 98,000 |
| Nicollet, Minnesota | 37 | $ 4,045,000 | $ 109,324 | $ 70,000 |
| Ozaukee, Wisconsin | 36 | $ 4,370,000 | $ 121,388 | $ 101,000 |
| Benton, Minnesota | 32 | $ 3,613,000 | $ 112,906 | $ 54,000 |
| Calhoun, Michigan | 30 | $ 2,060,000 | $ 68,666 | $ 37,000 |
| Mille Lacs, Minnesota | 30 | $ 4,086,000 | $ 136,200 | $ 67,000 |
| Waupaca, Wisconsin | 30 | $ 2,006,000 | $ 66,866 | $ 62,000 |
| Weld, Colorado | 29 | $ 5,459,000 | $ 188,241 | $ 99,000 |
| Dodge, Wisconsin | 29 | $ 2,442,000 | $ 84,206 | $ 67,000 |
| Crow Wing, Minnesota | 28 | $ 3,947,000 | $ 140,964 | $ 87,000 |
| Boulder, Colorado | 27 | $ 4,661,000 | $ 172,629 | $ 85,000 |
| Jackson, Michigan | 27 | $ 3,353,000 | $ 124,185 | $ 53,000 |
| Walworth, Wisconsin | 27 | $ 2,067,000 | $ 76,555 | $ 66,000 |
| Le Sueur, Minnesota | 26 | $ 3,398,000 | $ 130,692 | $ 55,000 |
| Rice, Minnesota | 26 | $ 5,970,000 | $ 229,615 | $ 59,000 |
| Lincoln, Wisconsin | 25 | $ 1,746,000 | $ 69,840 | $ 48,000 |
| Rock, Wisconsin | 25 | $ 2,094,000 | $ 83,760 | $ 51,000 |
| La Crosse, Wisconsin | 24 | $ 1,954,000 | $ 81,416 | $ 54,000 |
| Boone, Illinois | 20 | $ 2,282,000 | $ 114,100 | $ 40,000 |
| Kendall, Illinois | 20 | $ 3,003,000 | $ 150,150 | $ 70,000 |
| DeKalb, Illinois | 19 | $ 2,837,000 | $ 149,315 | $ 53,000 |
| Kankakee, Illinois | 19 | $ 2,527,000 | $ 133,000 | $ 50,000 |
| Jefferson, Wisconsin | 19 | $ 1,054,000 | $ 55,473 | $ 66,000 |
| Saginaw, Michigan | 18 | $ 1,129,000 | $ 62,722 | $ 41,000 |
| Olmsted, Minnesota | 18 | $ 2,288,000 | $ 127,111 | $ 64,000 |
| Cass, Minnesota | 17 | $ 3,367,000 | $ 198,058 | $ 83,000 |
| Eau Claire, Wisconsin | 17 | $ 1,551,000 | $ 91,235 | $ 61,000 |
| Oneida, Wisconsin | 17 | $ 1,721,000 | $ 101,235 | $ 47,000 |
| Meeker, Minnesota | 16 | $ 1,802,000 | $ 112,625 | $ 55,000 |
| Broomfield, Colorado | 15 | $ 3,190,000 | $ 212,666 | $ 92,000 |
| Genesee, Michigan | 15 | $ 1,573,000 | $ 104,866 | $ 61,000 |
| Goodhue, Minnesota | 15 | $ 3,071,000 | $ 204,733 | $ 100,000 |
| St. Louis, Minnesota | 15 | $ 1,612,000 | $ 107,466 | $ 74,000 |
| Langlade, Wisconsin | 15 | $ 1,212,000 | $ 80,800 | $ 56,000 |
| Polk, Wisconsin | 15 | $ 2,189,000 | $ 145,933 | $ 87,000 |
| Shawano, Wisconsin | 15 | $ 1,046,000 | $ 69,733 | $ 61,000 |
| Waushara, Wisconsin | 15 | $ 922,000 | $ 61,466 | $ 51,000 |
| McLeod, Minnesota | 14 | $ 2,332,000 | $ 166,571 | $ 118,000 |
| Pine, Minnesota | 14 | $ 2,074,000 | $ 148,142 | $ 65,000 |
| Pinal, Arizona | 13 | $ 1,807,000 | $ 139,000 | $ 69,000 |
| St. Clair, Michigan | 13 | $ 1,069,000 | $ 82,230 | $ 59,000 |
| Morrison, Minnesota | 13 | $ 1,513,000 | $ 116,384 | $ 79,000 |
| Pierce, Wisconsin | 13 | $ 2,435,000 | $ 187,307 | $ 69,000 |
| Otter Tail, Minnesota | 12 | $ 1,419,000 | $ 118,250 | $ 119,000 |
| Grundy, Illinois | 11 | $ 2,063,000 | $ 187,545 | $ 67,000 |
| Marinette, Wisconsin | 11 | $ 659,000 | $ 59,909 | $ 46,000 |
| Aitkin, Minnesota | 10 | $ 1,262,000 | $ 126,200 | $ 82,000 |
| Kandiyohi, Minnesota | 10 | $ 813,000 | $ 81,300 | $ 59,000 |
| Barron, Wisconsin | 10 | $ 2,294,000 | $ 229,400 | $ 109,000 |
| Kewaunee, Wisconsin | 10 | $ 1,141,000 | $ 114,100 | $ 55,000 |
| Kanabec, Minnesota | 9 | $ 1,531,000 | $ 170,111 | $ 74,000 |
| Jackson, Wisconsin | 8 | $ 456,000 | $ 57,000 | $ 49,000 |
| Ogle, Illinois | 7 | $ 641,000 | $ 91,571 | $ 40,000 |
| Barry, Michigan | 7 | $ 637,000 | $ 91,000 | $ 48,000 |
| Itasca, Minnesota | 7 | $ 1,131,000 | $ 161,571 | $ 88,000 |
| Waseca, Minnesota | 7 | $ 813,000 | $ 116,142 | $ 47,000 |
| LaSalle, Illinois | 6 | $ 924,000 | $ 154,000 | $ 45,000 |
| Ingham, Michigan | 6 | $ 556,000 | $ 92,666 | $ 45,000 |
| Kalamazoo, Michigan | 6 | $ 2,999,000 | $ 499,833 | $ 57,000 |
| Brown, Minnesota | 6 | $ 524,000 | $ 87,333 | $ 33,000 |
| Douglas, Minnesota | 6 | $ 516,000 | $ 86,000 | $ 83,000 |
| Sibley, Minnesota | 6 | $ 907,000 | $ 151,166 | $ 79,000 |
| Burnett, Wisconsin | 6 | $ 985,000 | $ 164,166 | $ 87,000 |
| Columbia, Wisconsin | 6 | $ 617,000 | $ 102,833 | $ 80,000 |
| Door, Wisconsin | 6 | $ 763,000 | $ 127,166 | $ 117,000 |
| Oconto, Wisconsin | 6 | $ 31,000 | $ 5,166 | $ 70,000 |
| Yavapai, Arizona | 5 | $ 883,000 | $ 176,600 | $ 42,000 |
| Porter, Indiana | 5 | $ 757,000 | $ 151,400 | $ 92,000 |
| Lenawee, Michigan | 5 | $ 610,000 | $ 122,000 | $ 82,000 |
| Monroe, Michigan | 5 | $ 484,000 | $ 96,800 | $ 76,000 |
| Martin, Minnesota | 5 | $ 384,000 | $ 76,800 | $ 41,000 |
| Adams, Wisconsin | 5 | $ 241,000 | $ 48,200 | $ 44,000 |
| Vilas, Wisconsin | 5 | $ 473,000 | $ 94,600 | $ 69,000 |
| Washburn, Wisconsin | 5 | $ 996,000 | $ 199,200 | $ 140,000 |
| Larimer, Colorado | 4 | $ 1,235,000 | $ 308,750 | $ 89,000 |
| Livingston, Illinois | 4 | $ 325,000 | $ 81,250 | $ 44,000 |
| Bay, Michigan | 4 | $ 286,000 | $ 71,500 | $ 61,000 |
| Lapeer, Michigan | 4 | $ 410,000 | $ 102,500 | $ 36,000 |
| Stevens, Minnesota | 4 | $ 249,000 | $ 62,250 | $ 46,000 |
| Todd, Minnesota | 4 | $ 525,000 | $ 131,250 | $ 89,000 |
| Chippewa, Wisconsin | 4 | $ 518,000 | $ 129,500 | $ 84,000 |
| Douglas, Wisconsin | 4 | $ 612,000 | $ 153,000 | $ 70,000 |
| Juneau, Wisconsin | 4 | $ 194,000 | $ 48,500 | $ 35,000 |
| Monroe, Wisconsin | 4 | $ 217,000 | $ 54,250 | $ 43,000 |
| Clear Creek, Colorado | 3 | $ 947,000 | $ 315,666 | $ 70,000 |
| Park, Colorado | 3 | $ 376,000 | $ 125,333 | $ 49,000 |
| Teller, Colorado | 3 | $ 438,000 | $ 146,000 | $ 96,000 |
| Tuscola, Michigan | 3 | $ 383,000 | $ 127,666 | $ 65,000 |
| Beltrami, Minnesota | 3 | $ 350,000 | $ 116,666 | $ 100,000 |
| Faribault, Minnesota | 3 | $ 269,000 | $ 89,666 | $ 44,000 |
| Pipestone, Minnesota | 3 | $ 237,000 | $ 79,000 | $ 42,000 |
| Wabasha, Minnesota | 3 | $ 608,000 | $ 202,666 | $ 91,000 |
| Clark, Wisconsin | 3 | $ 277,000 | $ 92,333 | $ 52,000 |
| Dunn, Wisconsin | 3 | $ 406,000 | $ 135,333 | $ 70,000 |
| Florence, Wisconsin | 3 | $ 154,000 | $ 51,333 | $ 43,000 |
| Forest, Wisconsin | 3 | $ 255,000 | $ 85,000 | $ 89,000 |
| Green Lake, Wisconsin | 3 | $ 445,000 | $ 148,333 | $ 56,000 |
| Sauk, Wisconsin | 3 | $ 347,000 | $ 115,666 | $ 55,000 |
| Pima, Arizona | 2 | $ 470,000 | $ 235,000 | $ 93,000 |
| Elbert, Colorado | 2 | $ 504,000 | $ 252,000 | $ 150,000 |
| Pueblo, Colorado | 2 | $ 121,000 | $ 60,500 | $ 39,000 |
| Champaign, Illinois | 2 | $ 65,000 | $ 32,500 | $ 71,000 |
| Lee, Illinois | 2 | $ 292,000 | $ 146,000 | $ 49,000 |
| Jasper, Indiana | 2 | $ 128,000 | $ 64,000 | $ 37,000 |
| Tippecanoe, Indiana | 2 | $ 109,000 | $ 54,500 | $ 48,000 |
| Branch, Michigan | 2 | $ 90,000 | $ 45,000 | $ 64,000 |
| Eaton, Michigan | 2 | $ 148,000 | $ 74,000 | $ 42,000 |
| Van Buren, Michigan | 2 | $ 255,000 | $ 127,500 | $ 73,000 |
| Carlton, Minnesota | 2 | $ 239,000 | $ 119,500 | $ 24,000 |
| Freeborn, Minnesota | 2 | $ 290,000 | $ 145,000 | $ 29,000 |
| Lyon, Minnesota | 2 | $ 437,000 | $ 218,500 | $ 72,000 |
| Renville, Minnesota | 2 | $ 207,000 | $ 103,500 | $ 62,000 |
| Steele, Minnesota | 2 | $ 497,000 | $ 248,500 | $ 90,000 |
| Wadena, Minnesota | 2 | $ 183,000 | $ 91,500 | $ 35,000 |
| Watonwan, Minnesota | 2 | $ 107,000 | $ 53,500 | $ 43,000 |
| Minnehaha, South Dakota | 2 | $ 346,000 | $ 173,000 | $ 41,000 |
| Iowa, Wisconsin | 2 | $ 82,000 | $ 41,000 | $ 86,000 |
| Menominee, Wisconsin | 2 | $ 405,000 | $ 202,500 | $ 111,000 |
| Gila, Arizona | 1 | $ 170,000 | $ 170,000 | $ 41,000 |
| Navajo, Arizona | 1 | $ 184,000 | $ 184,000 | $ 186,000 |
| Ventura, California | 1 | $ 187,000 | $ 187,000 | $ 35,000 |
| Gunnison, Colorado | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Las Animas, Colorado | 1 | $ 96,000 | $ 96,000 | $ 36,000 |
| Pitkin, Colorado | 1 | $ 1,200,000 | $ 1,200,000 | $ 134,000 |
| Gadsden, Florida | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Douglas, Illinois | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Madison, Illinois | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| McLean, Illinois | 1 | $ 6,300,000 | $ 6,300,000 | $ 0 |
| Monroe, Illinois | 1 | $ 140,000 | $ 140,000 | $ 88,000 |
| Peoria, Illinois | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| St. Clair, Illinois | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Stephenson, Illinois | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Vermilion, Illinois | 1 | $ 22,000 | $ 22,000 | $ 39,000 |
| Whiteside, Illinois | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Woodford, Illinois | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Hendricks, Indiana | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Knox, Indiana | 1 | $ 36,000 | $ 36,000 | $ 19,000 |
| LaPorte, Indiana | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Randolph, Indiana | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| White, Indiana | 1 | $ 291,000 | $ 291,000 | $ 155,000 |
| Antrim, Michigan | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Benzie, Michigan | 1 | $ 193,000 | $ 193,000 | $ 194,000 |
| Clare, Michigan | 1 | $ 121,000 | $ 121,000 | $ 30,000 |
| Houghton, Michigan | 1 | $ 68,000 | $ 68,000 | $ 75,000 |
| Huron, Michigan | 1 | $ 118,000 | $ 118,000 | $ 13,000 |
| Ionia, Michigan | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Kalkaska, Michigan | 1 | $ 27,000 | $ 27,000 | $ 34,000 |
| Kent, Michigan | 1 | $ 136,000 | $ 136,000 | $ 31,000 |
| Montcalm, Michigan | 1 | $ 17,000 | $ 17,000 | $ 28,000 |
| Oceana, Michigan | 1 | $ 112,000 | $ 112,000 | $ 21,000 |
| Ogemaw, Michigan | 1 | $ 9,000 | $ 9,000 | $ 60,000 |
| Osceola, Michigan | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Becker, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Chippewa, Minnesota | 1 | $ 70,000 | $ 70,000 | $ 72,000 |
| Cook, Minnesota | 1 | $ 143,000 | $ 143,000 | $ 101,000 |
| Dodge, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Fillmore, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Hubbard, Minnesota | 1 | $ 190,000 | $ 190,000 | $ 103,000 |
| Lac qui Parle, Minnesota | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Lake, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Nobles, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Traverse, Minnesota | 1 | $ 950,000 | $ 950,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Horry, South Carolina | 1 | $ 249,000 | $ 249,000 | $ 75,000 |
| Lincoln, South Dakota | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Collin, Texas | 1 | $ 69,000 | $ 69,000 | $ 127,000 |
| Bayfield, Wisconsin | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
| Buffalo, Wisconsin | 1 | $ 81,000 | $ 81,000 | $ 30,000 |
| Iron, Wisconsin | 1 | $ 8,000 | $ 8,000 | $ 81,000 |
| Pepin, Wisconsin | 1 | $ 8,000 | $ 8,000 | $ 63,000 |
| Richland, Wisconsin | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Trempealeau, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| Vernon, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Tcf National Bank in 2009
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 | 14,326 | $2,549,075,000 | $177,000 | $12,650,000 | $72,000 | $9,999,000 |
| Home Improvement | 2,378 | $115,498,000 | $48,000 | $1,700,000 | $62,000 | $1,996,000 |
| Home Purchase | 2,170 | $294,658,000 | $135,000 | $6,400,000 | $65,000 | $2,777,000 |
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 | 11,869 | $1,821,160,000 | $153,000 | $5,400,000 | $73,000 | $2,396,000 |
| Hispanic | 2,705 | $403,802,000 | $149,000 | $634,000 | $51,000 | $2,777,000 |
| Not Provided | 2,093 | $343,954,000 | $164,000 | $1,200,000 | $76,000 | $571,000 |
| Black or African American | 1,223 | $145,190,000 | $118,000 | $650,000 | $62,000 | $1,996,000 |
| Asian | 513 | $97,398,000 | $189,000 | $4,787,000 | $78,000 | $2,000,000 |
| Not applicable | 335 | $121,077,000 | $361,000 | $12,650,000 | $44,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 80 | $15,766,000 | $197,000 | $1,700,000 | $201,000 | $9,999,000 |
| American Indian or Alaskan Native | 56 | $10,884,000 | $194,000 | $917,000 | $82,000 | $275,000 |
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) | 18,874 | $2,959,231,000 | $156,000 | $12,650,000 | $70,000 | $9,999,000 |
| 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 | 8,249 | $1,414,312,000 | $171,000 | $6,300,000 | $66,000 | $9,999,000 |
| Loan Originated | 5,146 | $766,710,000 | $148,000 | $12,650,000 | $67,000 | $2,000,000 |
| File Closed For Incompleteness | 4,643 | $708,597,000 | $152,000 | $750,000 | $79,000 | $972,000 |
| Application Approved But Not Accepted | 524 | $59,371,000 | $113,000 | $572,000 | $70,000 | $450,000 |
| Loan Purchased By The Institution | 260 | $1,199,000 | $4,000 | $12,000 | $57,000 | $250,000 |
| Application Withdrawn By Applicant | 52 | $9,042,000 | $173,000 | $1,875,000 | $62,000 | $240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 3,437 | $662,597,000 | $192,000 | $5,400,000 | $80,000 | $2,396,000 |
| Debt-To-Income Ratio | 2,808 | $492,066,000 | $175,000 | $3,750,000 | $51,000 | $489,000 |
| Credit History | 1,877 | $238,732,000 | $127,000 | $6,300,000 | $57,000 | $2,777,000 |
| Other | 46 | $7,783,000 | $169,000 | $1,700,000 | $324,000 | $9,999,000 |
| Unverifiable Information | 35 | $6,209,000 | $177,000 | $417,000 | $103,000 | $524,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 32 | $4,899,000 | $153,000 | $1,125,000 | $44,000 | $132,000 |
| Employment History | 14 | $2,026,000 | $144,000 | $270,000 | $57,000 | $173,000 |
| 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 Tcf National Bank's 2009 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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