Town And Country Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Town And Country Credit Union 2021 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 | Town And Country Credit Union 615 S Broadway St Minot, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,427 |
| Total Mortgage Loan Application Amount | $325,135,000 |
| Average Mortgage Loan Application Amount | $220,666 |
| Highest Mortgage Loan Application Amount | $4,255,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $3,664,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Town And Country Credit Union. 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 Town And Country Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Town And Country Credit Union'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 Town And Country Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Town And Country Credit Union, 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 Town And Country Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass County North Dakota | 579 | $ 132,355,000 | $ 228,000 | $ 97,000 |
| Ward County North Dakota | 440 | $ 97,040,000 | $ 220,000 | $ 101,000 |
| Clay County Minnesota | 178 | $ 37,630,000 | $ 211,000 | $ 79,000 |
| Otter Tail County Minnesota | 26 | $ 7,140,000 | $ 274,000 | $ 125,000 |
| Becker County Minnesota | 19 | $ 5,375,000 | $ 282,000 | $ 169,000 |
| Mountrail County North Dakota | 18 | $ 3,140,000 | $ 174,000 | $ 90,000 |
| McHenry County North Dakota | 16 | $ 2,780,000 | $ 173,000 | $ 83,000 |
| Richland County North Dakota | 11 | $ 3,015,000 | $ 274,000 | $ 159,000 |
| Maricopa County Arizona | 7 | $ 2,015,000 | $ 287,000 | $ 179,000 |
| Barnes County North Dakota | 6 | $ 1,340,000 | $ 223,000 | $ 103,000 |
| Bottineau County North Dakota | 6 | $ 1,080,000 | $ 180,000 | $ 84,000 |
| Burke County North Dakota | 6 | $ 580,000 | $ 96,000 | $ 113,000 |
| McLean County North Dakota | 6 | $ 1,070,000 | $ 178,000 | $ 172,000 |
| Renville County North Dakota | 6 | $ 1,300,000 | $ 216,000 | $ 214,000 |
| Lee County Florida | 5 | $ 1,565,000 | $ 313,000 | $ 304,000 |
| Norman County Minnesota | 5 | $ 1,225,000 | $ 245,000 | $ 79,000 |
| Morton County North Dakota | 5 | $ 1,015,000 | $ 203,000 | $ 58,000 |
| Williams County North Dakota | 5 | $ 1,165,000 | $ 233,000 | $ 55,000 |
| Hennepin County Minnesota | 4 | $ 1,410,000 | $ 352,000 | $ 157,000 |
| Hubbard County Minnesota | 4 | $ 2,090,000 | $ 522,000 | $ 647,000 |
| Wilkin County Minnesota | 4 | $ 640,000 | $ 160,000 | $ 107,000 |
| Burleigh County North Dakota | 4 | $ 640,000 | $ 160,000 | $ 120,000 |
| Traill County North Dakota | 4 | $ 820,000 | $ 205,000 | $ 65,000 |
| Hillsborough County Florida | 3 | $ 1,475,000 | $ 491,000 | $ 114,000 |
| Douglas County Minnesota | 3 | $ 915,000 | $ 305,000 | $ 87,000 |
| Stearns County Minnesota | 3 | $ 1,225,000 | $ 408,000 | $ 92,000 |
| Travis County Texas | 3 | $ 955,000 | $ 318,000 | $ 479,000 |
| Polk County Minnesota | 2 | $ 410,000 | $ 205,000 | $ 255,000 |
| St. Louis County Minnesota | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Grand Forks County North Dakota | 2 | $ 420,000 | $ 210,000 | $ 62,000 |
| Griggs County North Dakota | 2 | $ 420,000 | $ 210,000 | $ 93,000 |
| Sargent County North Dakota | 2 | $ 340,000 | $ 170,000 | $ 54,000 |
| Stutsman County North Dakota | 2 | $ 610,000 | $ 305,000 | $ 115,000 |
| Wells County North Dakota | 2 | $ 420,000 | $ 210,000 | $ 96,000 |
| Payne County Oklahoma | 2 | $ 740,000 | $ 370,000 | $ 180,000 |
| Marshall County South Dakota | 2 | $ 890,000 | $ 445,000 | $ 211,000 |
| Douglas County Colorado | 1 | $ 1,415,000 | $ 1,415,000 | $ 228,000 |
| Jefferson County Colorado | 1 | $ 365,000 | $ 365,000 | $ 166,000 |
| Lake County Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Manatee County Florida | 1 | $ 345,000 | $ 345,000 | $ 219,000 |
| Miami-Dade County Florida | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Lake County Indiana | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Scott County Iowa | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Anoka County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Beltrami County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 58,000 |
| Benton County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| Chippewa County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Dakota County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Ramsey County Minnesota | 1 | $ 365,000 | $ 365,000 | $ 636,000 |
| Sherburne County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 240,000 |
| Stevens County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Jefferson County Missouri | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Adams County North Dakota | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Eddy County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Foster County North Dakota | 1 | $ 135,000 | $ 135,000 | $ 107,000 |
| Golden Valley County North Dakota | 1 | $ 95,000 | $ 95,000 | $ 275,000 |
| McKenzie County North Dakota | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Mercer County North Dakota | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Nelson County North Dakota | 1 | $ 335,000 | $ 335,000 | $ 264,000 |
| Ransom County North Dakota | 1 | $ 155,000 | $ 155,000 | $ 153,000 |
| Sheridan County North Dakota | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Stark County North Dakota | 1 | $ 255,000 | $ 255,000 | $ 165,000 |
| Steele County North Dakota | 1 | $ 245,000 | $ 245,000 | $ 148,000 |
| Lake County Oregon | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Marion County Oregon | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pennington County South Dakota | 1 | $ 395,000 | $ 395,000 | $ 156,000 |
| Bexar County Texas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Pierce County Washington | 1 | $ 455,000 | $ 455,000 | $ 135,000 |
| Adams County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Town And Country Credit Union in 2021
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 | 770 | $185,720,000 | $241,000 | $1,685,000 | $101,000 | $3,664,000 |
| Refinancing | 395 | $85,665,000 | $216,000 | $805,000 | $94,000 | $841,000 |
| Cash-out Refinancing | 262 | $53,750,000 | $205,000 | $4,255,000 | $120,000 | $1,389,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,162 | $261,600,000 | $225,000 | $1,685,000 | $105,000 | $3,664,000 |
| Not Provided | 138 | $30,190,000 | $218,000 | $505,000 | $94,000 | $838,000 |
| Black or African American | 37 | $8,685,000 | $234,000 | $495,000 | $83,000 | $480,000 |
| Not applicable | 30 | $10,060,000 | $335,000 | $4,255,000 | $0 | $0 |
| Hispanic | 28 | $6,250,000 | $223,000 | $525,000 | $83,000 | $191,000 |
| Asian | 17 | $5,215,000 | $306,000 | $485,000 | $123,000 | $675,000 |
| American Indian or Alaskan Native | 8 | $1,530,000 | $191,000 | $275,000 | $66,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,091 | $243,345,000 | $223,000 | $4,255,000 | $115,000 | $3,664,000 |
| FHA-insured (Federal Housing Administration) | 163 | $36,025,000 | $221,000 | $365,000 | $67,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 145 | $40,505,000 | $279,000 | $1,415,000 | $65,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $5,260,000 | $187,000 | $285,000 | $65,000 | $100,000 |
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 | 1,196 | $269,910,000 | $225,000 | $4,255,000 | $104,000 | $3,664,000 |
| Application Withdrawn By Applicant | 200 | $48,680,000 | $243,000 | $1,415,000 | $103,000 | $568,000 |
| Application Denied By Financial Institution | 31 | $6,545,000 | $211,000 | $415,000 | $72,000 | $320,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,396 | $318,590,000 | $228,000 | $4,255,000 | $103,000 | $3,664,000 |
| Debt-To-Income Ratio | 13 | $2,645,000 | $203,000 | $395,000 | $55,000 | $153,000 |
| Credit History | 12 | $2,700,000 | $225,000 | $345,000 | $66,000 | $165,000 |
| Collateral | 3 | $425,000 | $141,000 | $215,000 | $175,000 | $320,000 |
| Other | 2 | $630,000 | $315,000 | $415,000 | $25,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Town And Country Credit Union's 2021 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 Town And Country Credit Union'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 North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.