Wings Financial Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, Wings Financial Credit Union of Apple Valley, MN reported 1,445 mortgage applications totaling $260.6 million, down 9% from 2012. The average application was for $180,315, and applicants reported an average income of $95,368. 75% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (775), Atlanta-Sandy Springs-Marietta, GA (47) and Detroit-Livonia-Dearborn, MI (29) (applications in parentheses).
| Mortgage Company & Address | Wings Financial Credit Union 14985 Glazier Avenue Apple Valley, MN 55124 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 1,445 |
| Total Mortgage Loan Application Amount | $260,556,000 |
| Average Mortgage Loan Application Amount | $180,315 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $95,368 |
| Highest Applicant Income | $759,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wings Financial Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 775 | $ 136,596,000 | $ 176,252 | $ 90,605 |
| Atlanta-Sandy Springs-Marietta, GA | 47 | $ 8,867,000 | $ 188,659 | $ 97,000 |
| Detroit-Livonia-Dearborn, MI | 29 | $ 3,233,000 | $ 111,482 | $ 76,000 |
| Phoenix-Mesa-Glendale, AZ | 25 | $ 3,221,000 | $ 128,840 | $ 78,000 |
| Seattle-Bellevue-Everett, WA | 22 | $ 5,062,000 | $ 230,090 | $ 87,000 |
| Memphis, TN-MS-AR | 17 | $ 2,199,000 | $ 129,352 | $ 98,352 |
| Duluth, MN-WI | 15 | $ 1,832,000 | $ 122,133 | $ 82,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 2,911,000 | $ 194,066 | $ 121,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 2,251,000 | $ 160,785 | $ 86,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,508,000 | $ 137,090 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,928,000 | $ 192,800 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 2,122,000 | $ 235,777 | $ 97,000 |
| Ann Arbor, MI | 8 | $ 1,241,000 | $ 155,125 | $ 66,000 |
| Chicago-Joliet-Naperville, IL | 8 | $ 1,608,000 | $ 201,000 | $ 108,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,129,000 | $ 161,285 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 1,497,000 | $ 213,857 | $ 109,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,462,000 | $ 208,857 | $ 91,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 2,144,000 | $ 306,285 | $ 109,000 |
| Tacoma, WA | 7 | $ 1,758,000 | $ 251,142 | $ 136,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,043,000 | $ 291,857 | $ 126,428 |
| Indianapolis-Carmel, IN | 6 | $ 1,571,000 | $ 261,833 | $ 167,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,001,000 | $ 333,500 | $ 154,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 1,265,000 | $ 253,000 | $ 102,000 |
| Dallas-Plano-Irving, TX | 5 | $ 793,000 | $ 158,600 | $ 116,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 697,000 | $ 139,400 | $ 67,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,379,000 | $ 275,800 | $ 100,000 |
| Anchorage, AK | 4 | $ 957,000 | $ 239,250 | $ 127,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 361,000 | $ 90,250 | $ 96,500 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 653,000 | $ 163,250 | $ 99,000 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 1,206,000 | $ 301,500 | $ 164,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 593,000 | $ 197,666 | $ 138,000 |
| Colorado Springs, CO | 3 | $ 478,000 | $ 159,333 | $ 132,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 597,000 | $ 199,000 | $ 122,000 |
| Flint, MI | 3 | $ 464,000 | $ 154,666 | $ 99,000 |
| Honolulu, HI | 3 | $ 1,035,000 | $ 345,000 | $ 101,000 |
| Jacksonville, FL | 3 | $ 372,000 | $ 124,000 | $ 57,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 629,000 | $ 209,666 | $ 174,333 |
| Monroe, MI | 3 | $ 325,000 | $ 108,333 | $ 70,000 |
| Olympia, WA | 3 | $ 942,000 | $ 314,000 | $ 232,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 338,000 | $ 112,666 | $ 88,000 |
| Philadelphia, PA | 3 | $ 718,000 | $ 239,333 | $ 121,000 |
| Raleigh-Cary, NC | 3 | $ 644,000 | $ 214,666 | $ 76,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 874,000 | $ 291,333 | $ 96,000 |
| Rochester, MN | 3 | $ 529,000 | $ 176,333 | $ 153,000 |
| Tulsa, OK | 3 | $ 376,000 | $ 125,333 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 566,000 | $ 188,666 | $ 76,000 |
| Appleton, WI | 2 | $ 248,000 | $ 124,000 | $ 71,000 |
| Baltimore-Towson, MD | 2 | $ 596,000 | $ 298,000 | $ 102,000 |
| Bellingham, WA | 2 | $ 792,000 | $ 396,000 | $ 149,000 |
| Boston-Quincy, MA | 2 | $ 734,000 | $ 367,000 | $ 95,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 410,000 | $ 205,000 | $ 120,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 208,000 | $ 104,000 | $ 50,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 464,000 | $ 232,000 | $ 190,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 383,000 | $ 191,500 | $ 74,000 |
| Gulfport-Biloxi, MS | 2 | $ 218,000 | $ 109,000 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 275,000 | $ 137,500 | $ 51,000 |
| Jackson, MI | 2 | $ 126,000 | $ 63,000 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 281,000 | $ 140,500 | $ 133,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 755,000 | $ 377,500 | $ 82,000 |
| Newark-Union, NJ-PA | 2 | $ 430,000 | $ 215,000 | $ 122,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 721,000 | $ 360,500 | $ 129,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 435,000 | $ 217,500 | $ 156,000 |
| Pittsburgh, PA | 2 | $ 607,000 | $ 303,500 | $ 127,000 |
| Prescott, AZ | 2 | $ 427,000 | $ 213,500 | $ 102,000 |
| Punta Gorda, FL | 2 | $ 377,000 | $ 188,500 | $ 200,000 |
| Reno-Sparks, NV | 2 | $ 718,000 | $ 359,000 | $ 205,000 |
| Richmond, VA | 2 | $ 353,000 | $ 176,500 | $ 132,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 580,000 | $ 290,000 | $ 129,000 |
| Savannah, GA | 2 | $ 165,000 | $ 82,500 | $ 73,000 |
| St. Louis, MO-IL | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
| Stockton, CA | 2 | $ 185,000 | $ 92,500 | $ 74,000 |
| Tucson, AZ | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Akron, OH | 1 | $ 162,000 | $ 162,000 | $ 200,000 |
| Albuquerque, NM | 1 | $ 246,000 | $ 246,000 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 331,000 | $ 331,000 | $ 88,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 398,000 | $ 398,000 | $ 157,000 |
| Baton Rouge, LA | 1 | $ 56,000 | $ 56,000 | $ 37,000 |
| Bend, OR | 1 | $ 111,000 | $ 111,000 | $ 58,000 |
| Bismarck, ND | 1 | $ 181,000 | $ 181,000 | $ 74,000 |
| Boise City-Nampa, ID | 1 | $ 367,000 | $ 367,000 | $ 176,000 |
| Camden, NJ | 1 | $ 168,000 | $ 168,000 | $ 206,000 |
| Cedar Rapids, IA | 1 | $ 336,000 | $ 336,000 | $ 413,000 |
| Charlottesville, VA | 1 | $ 427,000 | $ 427,000 | $ 187,000 |
| Columbus, GA-AL | 1 | $ 87,000 | $ 87,000 | $ 43,000 |
| Columbus, OH | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
| Corvallis, OR | 1 | $ 276,000 | $ 276,000 | $ 126,000 |
| Dayton, OH | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Des Moines-West Des Moines, IA | 1 | $ 65,000 | $ 65,000 | $ 165,000 |
| Evansville, IN-KY | 1 | $ 166,000 | $ 166,000 | $ 105,000 |
| Flagstaff, AZ | 1 | $ 192,000 | $ 192,000 | $ 52,000 |
| Fort Collins-Loveland, CO | 1 | $ 190,000 | $ 190,000 | $ 162,000 |
| Fort Worth-Arlington, TX | 1 | $ 366,000 | $ 366,000 | $ 388,000 |
| Gainesville, FL | 1 | $ 52,000 | $ 52,000 | $ 93,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 136,000 | $ 136,000 | $ 112,000 |
| Greeley, CO | 1 | $ 182,000 | $ 182,000 | $ 87,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 238,000 | $ 238,000 | $ 86,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 19,000 | $ 19,000 | $ 125,000 |
| Kansas City, MO-KS | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
| Knoxville, TN | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Lakeland-Winter Haven, FL | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| Lansing-East Lansing, MI | 1 | $ 152,000 | $ 152,000 | $ 141,000 |
| Lincoln, NE | 1 | $ 234,000 | $ 234,000 | $ 85,000 |
| Madison, WI | 1 | $ 189,000 | $ 189,000 | $ 57,000 |
| Manchester-Nashua, NH | 1 | $ 130,000 | $ 130,000 | $ 125,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 127,000 | $ 127,000 | $ 37,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 412,000 | $ 412,000 | $ 82,000 |
| Naples-Marco Island, FL | 1 | $ 488,000 | $ 488,000 | $ 302,000 |
| New Haven-Milford, CT | 1 | $ 218,000 | $ 218,000 | $ 88,000 |
| Oklahoma City, OK | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Peabody, MA | 1 | $ 286,000 | $ 286,000 | $ 80,000 |
| Port St. Lucie, FL | 1 | $ 206,000 | $ 206,000 | $ 221,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 213,000 | $ 213,000 | $ 179,000 |
| Rapid City, SD | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Salt Lake City, UT | 1 | $ 353,000 | $ 353,000 | $ 148,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 452,000 | $ 452,000 | $ 100,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Spartanburg, SC | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Spokane, WA | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| St. George, UT | 1 | $ 200,000 | $ 200,000 | $ 153,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 158,000 | $ 158,000 | $ 25,000 |
| Wausau, WI | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Winston-Salem, NC | 1 | $ 322,000 | $ 322,000 | $ 138,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 140,000 | $ 140,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Wings Financial Credit Union in 2013
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 | 958 | $171,661,000 | $179,000 | $609,000 | $94,000 | $624,000 |
| Home Purchase | 458 | $87,981,000 | $192,000 | $805,000 | $98,000 | $759,000 |
| Home Improvement | 29 | $914,000 | $31,000 | $90,000 | $99,000 | $240,000 |
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 | 872 | $163,769,000 | $187,000 | $805,000 | $96,000 | $624,000 |
| Not Provided | 481 | $81,922,000 | $170,000 | $609,000 | $95,000 | $590,000 |
| Black or African American | 46 | $6,661,000 | $144,000 | $452,000 | $64,000 | $213,000 |
| Asian | 25 | $4,352,000 | $174,000 | $375,000 | $97,000 | $325,000 |
| Hispanic | 18 | $3,221,000 | $178,000 | $440,000 | $123,000 | $759,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $519,000 | $259,000 | $330,000 | $82,000 | $108,000 |
| American Indian or Alaskan Native | 1 | $112,000 | $112,000 | $112,000 | $50,000 | $50,000 |
| Not applicable | 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) | 1,445 | $260,556,000 | $180,000 | $805,000 | $95,000 | $759,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,085 | $196,162,000 | $180,000 | $599,000 | $98,000 | $590,000 |
| Application Approved But Not Accepted | 179 | $31,473,000 | $175,000 | $594,000 | $97,000 | $624,000 |
| Application Denied By Financial Institution | 149 | $26,500,000 | $177,000 | $609,000 | $76,000 | $759,000 |
| Preapproval Denied by Financial Institution | 32 | $6,421,000 | $200,000 | $805,000 | $65,000 | $184,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 81 | $14,267,000 | $176,000 | $582,000 | $86,000 | $759,000 |
| Debt-To-Income Ratio | 65 | $11,426,000 | $175,000 | $413,000 | $57,000 | $185,000 |
| Collateral | 22 | $4,623,000 | $210,000 | $609,000 | $84,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,148,000 | $382,000 | $805,000 | $111,000 | $184,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $190,000 | $25,000 | $29,000 |
| Employment History | 2 | $286,000 | $143,000 | $275,000 | $50,000 | $54,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wings Financial Credit Union's 2013 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 Wings Financial 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.
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