Wings Financial Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, Wings Financial Credit Union of Apple Valley, MN reported 2,236 mortgage applications totaling $340.4 million. The average application was for $152,241, and applicants reported an average income of $81,057. 85% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Minneapolis-St. Paul, MN-WI (1,362), Detroit, MI (89) and Atlanta, GA (53) (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 | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,236 |
| Total Mortgage Loan Application Amount | $340,412,000 |
| Average Mortgage Loan Application Amount | $152,241 |
| Highest Mortgage Loan Application Amount | $636,000 |
| Average Applicant Income | $81,057 |
| Highest Applicant Income | $324,000 |
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records Wings Financial Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dakota, Minnesota | 593 | $ 87,776,000 | $ 148,020 | $ 70,000 |
| Hennepin, Minnesota | 353 | $ 53,698,000 | $ 152,118 | $ 74,000 |
| Washington, Minnesota | 118 | $ 19,474,000 | $ 165,033 | $ 81,000 |
| Ramsey, Minnesota | 106 | $ 13,879,000 | $ 130,933 | $ 57,000 |
| Scott, Minnesota | 94 | $ 15,797,000 | $ 168,053 | $ 68,000 |
| Wayne, Michigan | 67 | $ 7,976,000 | $ 119,044 | $ 63,000 |
| Anoka, Minnesota | 43 | $ 6,540,000 | $ 152,093 | $ 58,000 |
| St. Louis, Minnesota | 30 | $ 3,559,000 | $ 118,633 | $ 63,000 |
| Carver, Minnesota | 29 | $ 5,361,000 | $ 184,862 | $ 120,000 |
| King, Washington | 24 | $ 4,050,000 | $ 168,750 | $ 72,000 |
| Maricopa, Arizona | 23 | $ 3,949,000 | $ 171,695 | $ 81,000 |
| Cobb, Georgia | 22 | $ 2,687,000 | $ 122,136 | $ 66,000 |
| St. Croix, Wisconsin | 19 | $ 3,022,000 | $ 159,052 | $ 72,000 |
| Rice, Minnesota | 18 | $ 3,285,000 | $ 182,500 | $ 58,000 |
| Goodhue, Minnesota | 16 | $ 2,531,000 | $ 158,187 | $ 87,000 |
| Shelby, Tennessee | 16 | $ 1,989,000 | $ 124,312 | $ 80,000 |
| Pierce, Washington | 16 | $ 2,684,000 | $ 167,750 | $ 91,000 |
| Washtenaw, Michigan | 14 | $ 2,591,000 | $ 185,071 | $ 105,000 |
| Oakland, Michigan | 12 | $ 2,314,000 | $ 192,833 | $ 118,000 |
| Pinellas, Florida | 11 | $ 1,352,000 | $ 122,909 | $ 81,000 |
| Wright, Minnesota | 11 | $ 1,871,000 | $ 170,090 | $ 95,000 |
| Clark, Nevada | 10 | $ 1,565,000 | $ 156,500 | $ 96,000 |
| Crow Wing, Minnesota | 9 | $ 1,671,000 | $ 185,666 | $ 103,000 |
| Pierce, Wisconsin | 9 | $ 1,189,000 | $ 132,111 | $ 84,000 |
| Riverside, California | 8 | $ 1,189,000 | $ 148,625 | $ 81,000 |
| San Diego, California | 8 | $ 2,019,000 | $ 252,375 | $ 127,000 |
| Broward, Florida | 8 | $ 1,006,000 | $ 125,750 | $ 61,000 |
| Hillsborough, Florida | 8 | $ 990,000 | $ 123,750 | $ 88,000 |
| Lee, Florida | 8 | $ 955,000 | $ 119,375 | $ 76,000 |
| Los Angeles, California | 7 | $ 1,367,000 | $ 195,285 | $ 105,000 |
| Miami-Dade, Florida | 7 | $ 939,000 | $ 134,142 | $ 74,000 |
| Honolulu, Hawaii | 7 | $ 1,403,000 | $ 200,428 | $ 106,000 |
| Cook, Illinois | 7 | $ 987,000 | $ 141,000 | $ 81,000 |
| Essex, Massachusetts | 7 | $ 1,203,000 | $ 171,857 | $ 85,000 |
| Livingston, Michigan | 7 | $ 1,535,000 | $ 219,285 | $ 114,000 |
| DeSoto, Mississippi | 7 | $ 805,000 | $ 115,000 | $ 62,000 |
| Orange, California | 6 | $ 1,321,000 | $ 220,166 | $ 80,000 |
| DeKalb, Georgia | 6 | $ 470,000 | $ 78,333 | $ 95,000 |
| Fulton, Georgia | 6 | $ 981,000 | $ 163,500 | $ 89,000 |
| Monroe, Michigan | 6 | $ 1,044,000 | $ 174,000 | $ 93,000 |
| Chisago, Minnesota | 6 | $ 764,000 | $ 127,333 | $ 68,000 |
| Itasca, Minnesota | 6 | $ 762,000 | $ 127,000 | $ 120,000 |
| Sherburne, Minnesota | 6 | $ 928,000 | $ 154,666 | $ 70,000 |
| Nassau, New York | 6 | $ 1,106,000 | $ 184,333 | $ 77,000 |
| Palm Beach, Florida | 5 | $ 494,000 | $ 98,800 | $ 85,000 |
| Genesee, Michigan | 5 | $ 756,000 | $ 151,200 | $ 63,000 |
| Suffolk, New York | 5 | $ 859,000 | $ 171,800 | $ 96,000 |
| Harris, Texas | 5 | $ 631,000 | $ 126,200 | $ 62,000 |
| Barron, Wisconsin | 5 | $ 940,000 | $ 188,000 | $ 135,000 |
| Brevard, Florida | 4 | $ 420,000 | $ 105,000 | $ 57,000 |
| Okaloosa, Florida | 4 | $ 632,000 | $ 158,000 | $ 72,000 |
| Fayette, Georgia | 4 | $ 876,000 | $ 219,000 | $ 108,000 |
| Gwinnett, Georgia | 4 | $ 656,000 | $ 164,000 | $ 62,000 |
| Hawaii, Hawaii | 4 | $ 802,000 | $ 200,500 | $ 97,000 |
| Middlesex, Massachusetts | 4 | $ 546,000 | $ 136,500 | $ 63,000 |
| Macomb, Michigan | 4 | $ 549,000 | $ 137,250 | $ 68,000 |
| Aitkin, Minnesota | 4 | $ 661,000 | $ 165,250 | $ 132,000 |
| Cass, Minnesota | 4 | $ 566,000 | $ 141,500 | $ 76,000 |
| Gallatin, Montana | 4 | $ 545,000 | $ 136,250 | $ 80,000 |
| Belknap, New Hampshire | 4 | $ 621,000 | $ 155,250 | $ 127,000 |
| Denton, Texas | 4 | $ 703,000 | $ 175,750 | $ 135,000 |
| Spokane, Washington | 4 | $ 628,000 | $ 157,000 | $ 124,000 |
| Anchorage, Alaska | 3 | $ 582,000 | $ 194,000 | $ 95,000 |
| Ventura, California | 3 | $ 712,000 | $ 237,333 | $ 128,000 |
| Jefferson, Colorado | 3 | $ 396,000 | $ 132,000 | $ 144,000 |
| Escambia, Florida | 3 | $ 482,000 | $ 160,666 | $ 126,000 |
| Pasco, Florida | 3 | $ 467,000 | $ 155,666 | $ 69,000 |
| Sarasota, Florida | 3 | $ 738,000 | $ 246,000 | $ 134,000 |
| Anne Arundel, Maryland | 3 | $ 577,000 | $ 192,333 | $ 65,000 |
| Worcester, Massachusetts | 3 | $ 455,000 | $ 151,666 | $ 65,000 |
| Douglas, Minnesota | 3 | $ 503,000 | $ 167,666 | $ 139,000 |
| Isanti, Minnesota | 3 | $ 395,000 | $ 131,666 | $ 54,000 |
| St. Louis, Missouri | 3 | $ 295,000 | $ 98,333 | $ 76,000 |
| Rockingham, New Hampshire | 3 | $ 440,000 | $ 146,666 | $ 112,000 |
| Queens, New York | 3 | $ 522,000 | $ 174,000 | $ 68,000 |
| Ward, North Dakota | 3 | $ 228,000 | $ 76,000 | $ 66,000 |
| Dauphin, Pennsylvania | 3 | $ 352,000 | $ 117,333 | $ 72,000 |
| Delaware, Pennsylvania | 3 | $ 588,000 | $ 196,000 | $ 104,000 |
| Lehigh, Pennsylvania | 3 | $ 382,000 | $ 127,333 | $ 54,000 |
| Blount, Tennessee | 3 | $ 468,000 | $ 156,000 | $ 150,000 |
| Davidson, Tennessee | 3 | $ 383,000 | $ 127,666 | $ 48,000 |
| Washburn, Wisconsin | 3 | $ 289,000 | $ 96,333 | $ 74,000 |
| Waukesha, Wisconsin | 3 | $ 643,000 | $ 214,333 | $ 143,000 |
| Shelby, Alabama | 2 | $ 534,000 | $ 267,000 | $ 122,000 |
| Matanuska-Susitna, Alaska | 2 | $ 439,000 | $ 219,500 | $ 169,000 |
| Pinal, Arizona | 2 | $ 203,000 | $ 101,500 | $ 84,000 |
| Contra Costa, California | 2 | $ 571,000 | $ 285,500 | $ 105,000 |
| San Benito, California | 2 | $ 335,000 | $ 167,500 | $ 96,000 |
| San Joaquin, California | 2 | $ 399,000 | $ 199,500 | $ 89,000 |
| San Mateo, California | 2 | $ 398,000 | $ 199,000 | $ 49,000 |
| Arapahoe, Colorado | 2 | $ 193,000 | $ 96,500 | $ 34,000 |
| Douglas, Colorado | 2 | $ 695,000 | $ 347,500 | $ 209,000 |
| Charlotte, Florida | 2 | $ 330,000 | $ 165,000 | $ 114,000 |
| Collier, Florida | 2 | $ 540,000 | $ 270,000 | $ 129,000 |
| Duval, Florida | 2 | $ 301,000 | $ 150,500 | $ 92,000 |
| Manatee, Florida | 2 | $ 282,000 | $ 141,000 | $ 51,000 |
| Monroe, Florida | 2 | $ 646,000 | $ 323,000 | $ 110,000 |
| Orange, Florida | 2 | $ 391,000 | $ 195,500 | $ 67,000 |
| St. Lucie, Florida | 2 | $ 389,000 | $ 194,500 | $ 154,000 |
| Volusia, Florida | 2 | $ 271,000 | $ 135,500 | $ 38,000 |
| Cherokee, Georgia | 2 | $ 292,000 | $ 146,000 | $ 107,000 |
| Coweta, Georgia | 2 | $ 326,000 | $ 163,000 | $ 106,000 |
| Douglas, Georgia | 2 | $ 256,000 | $ 128,000 | $ 61,000 |
| Henry, Georgia | 2 | $ 203,000 | $ 101,500 | $ 72,000 |
| Maui, Hawaii | 2 | $ 505,000 | $ 252,500 | $ 131,000 |
| Kane, Illinois | 2 | $ 296,000 | $ 148,000 | $ 172,000 |
| Lake, Illinois | 2 | $ 225,000 | $ 112,500 | $ 74,000 |
| McHenry, Illinois | 2 | $ 529,000 | $ 264,500 | $ 117,000 |
| St. Joseph, Indiana | 2 | $ 143,000 | $ 71,500 | $ 70,000 |
| Linn, Iowa | 2 | $ 231,000 | $ 115,500 | $ 47,000 |
| Prince George's, Maryland | 2 | $ 445,000 | $ 222,500 | $ 77,000 |
| Berkshire, Massachusetts | 2 | $ 304,000 | $ 152,000 | $ 86,000 |
| Suffolk, Massachusetts | 2 | $ 559,000 | $ 279,500 | $ 57,000 |
| Jackson, Michigan | 2 | $ 224,000 | $ 112,000 | $ 64,000 |
| Lenawee, Michigan | 2 | $ 553,000 | $ 276,500 | $ 133,000 |
| Blue Earth, Minnesota | 2 | $ 205,000 | $ 102,500 | $ 42,000 |
| Carlton, Minnesota | 2 | $ 231,000 | $ 115,500 | $ 68,000 |
| Clay, Minnesota | 2 | $ 140,000 | $ 70,000 | $ 40,000 |
| Le Sueur, Minnesota | 2 | $ 227,000 | $ 113,500 | $ 71,000 |
| Olmsted, Minnesota | 2 | $ 407,000 | $ 203,500 | $ 114,000 |
| Stearns, Minnesota | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| St. Charles, Missouri | 2 | $ 362,000 | $ 181,000 | $ 122,000 |
| Yellowstone, Montana | 2 | $ 165,000 | $ 82,500 | $ 61,000 |
| Burlington, New Jersey | 2 | $ 310,000 | $ 155,000 | $ 153,000 |
| Camden, New Jersey | 2 | $ 182,000 | $ 91,000 | $ 83,000 |
| Hudson, New Jersey | 2 | $ 203,000 | $ 101,500 | $ 39,000 |
| Middlesex, New Jersey | 2 | $ 248,000 | $ 124,000 | $ 52,000 |
| Somerset, New Jersey | 2 | $ 579,000 | $ 289,500 | $ 161,000 |
| Putnam, New York | 2 | $ 377,000 | $ 188,500 | $ 95,000 |
| Wake, North Carolina | 2 | $ 254,000 | $ 127,000 | $ 87,000 |
| Cuyahoga, Ohio | 2 | $ 164,000 | $ 82,000 | $ 34,000 |
| Oklahoma, Oklahoma | 2 | $ 360,000 | $ 180,000 | $ 128,000 |
| Tulsa, Oklahoma | 2 | $ 399,000 | $ 199,500 | $ 84,000 |
| Butler, Pennsylvania | 2 | $ 318,000 | $ 159,000 | $ 85,000 |
| Montgomery, Pennsylvania | 2 | $ 218,000 | $ 109,000 | $ 61,000 |
| Fayette, Tennessee | 2 | $ 171,000 | $ 85,500 | $ 101,000 |
| Wilson, Tennessee | 2 | $ 331,000 | $ 165,500 | $ 173,000 |
| Collin, Texas | 2 | $ 480,000 | $ 240,000 | $ 148,000 |
| Travis, Texas | 2 | $ 493,000 | $ 246,500 | $ 164,000 |
| Williamson, Texas | 2 | $ 185,000 | $ 92,500 | $ 46,000 |
| Summit, Utah | 2 | $ 386,000 | $ 193,000 | $ 83,000 |
| Alexandria, Virginia | 2 | $ 135,000 | $ 67,500 | $ 39,000 |
| Culpeper, Virginia | 2 | $ 320,000 | $ 160,000 | $ 66,000 |
| Fairfax, Virginia | 2 | $ 458,000 | $ 229,000 | $ 100,000 |
| Burnett, Wisconsin | 2 | $ 348,000 | $ 174,000 | $ 82,000 |
| Douglas, Wisconsin | 2 | $ 213,000 | $ 106,500 | $ 68,000 |
| Eau Claire, Wisconsin | 2 | $ 302,000 | $ 151,000 | $ 78,000 |
| Kenosha, Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Milwaukee, Wisconsin | 2 | $ 207,000 | $ 103,500 | $ 55,000 |
| Polk, Wisconsin | 2 | $ 252,000 | $ 126,000 | $ 113,000 |
| Sawyer, Wisconsin | 2 | $ 332,000 | $ 166,000 | $ 88,000 |
| Cleburne, Alabama | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Houston, Alabama | 1 | $ 87,000 | $ 87,000 | $ 71,000 |
| Madison, Alabama | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Pima, Arizona | 1 | $ 295,000 | $ 295,000 | $ 54,000 |
| Santa Cruz, Arizona | 1 | $ 40,000 | $ 40,000 | $ 63,000 |
| Yavapai, Arizona | 1 | $ 238,000 | $ 238,000 | $ 116,000 |
| Yuma, Arizona | 1 | $ 180,000 | $ 180,000 | $ 137,000 |
| Carroll, Arkansas | 1 | $ 282,000 | $ 282,000 | $ 148,000 |
| Crittenden, Arkansas | 1 | $ 87,000 | $ 87,000 | $ 43,000 |
| Montgomery, Arkansas | 1 | $ 74,000 | $ 74,000 | $ 38,000 |
| Pulaski, Arkansas | 1 | $ 186,000 | $ 186,000 | $ 84,000 |
| Alameda, California | 1 | $ 405,000 | $ 405,000 | $ 118,000 |
| Butte, California | 1 | $ 323,000 | $ 323,000 | $ 240,000 |
| El Dorado, California | 1 | $ 226,000 | $ 226,000 | $ 227,000 |
| Kern, California | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Placer, California | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Shasta, California | 1 | $ 151,000 | $ 151,000 | $ 94,000 |
| Sonoma, California | 1 | $ 289,000 | $ 289,000 | $ 93,000 |
| Adams, Colorado | 1 | $ 200,000 | $ 200,000 | $ 81,000 |
| Boulder, Colorado | 1 | $ 299,000 | $ 299,000 | $ 83,000 |
| La Plata, Colorado | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| Larimer, Colorado | 1 | $ 74,000 | $ 74,000 | $ 156,000 |
| San Miguel, Colorado | 1 | $ 250,000 | $ 250,000 | $ 205,000 |
| Fairfield, Connecticut | 1 | $ 59,000 | $ 59,000 | $ 42,000 |
| Citrus, Florida | 1 | $ 184,000 | $ 184,000 | $ 170,000 |
| Martin, Florida | 1 | $ 213,000 | $ 213,000 | $ 184,000 |
| Putnam, Florida | 1 | $ 92,000 | $ 92,000 | $ 94,000 |
| Santa Rosa, Florida | 1 | $ 120,000 | $ 120,000 | $ 160,000 |
| Seminole, Florida | 1 | $ 206,000 | $ 206,000 | $ 100,000 |
| Bartow, Georgia | 1 | $ 134,000 | $ 134,000 | $ 48,000 |
| Carroll, Georgia | 1 | $ 60,000 | $ 60,000 | $ 93,000 |
| Clayton, Georgia | 1 | $ 76,000 | $ 76,000 | $ 44,000 |
| Muscogee, Georgia | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Oconee, Georgia | 1 | $ 142,000 | $ 142,000 | $ 110,000 |
| Paulding, Georgia | 1 | $ 169,000 | $ 169,000 | $ 89,000 |
| Kootenai, Idaho | 1 | $ 100,000 | $ 100,000 | $ 14,000 |
| Champaign, Illinois | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| DuPage, Illinois | 1 | $ 186,000 | $ 186,000 | $ 78,000 |
| Monroe, Illinois | 1 | $ 93,000 | $ 93,000 | $ 56,000 |
| St. Clair, Illinois | 1 | $ 130,000 | $ 130,000 | $ 96,000 |
| Allen, Indiana | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Johnson, Indiana | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Monroe, Indiana | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Union, Iowa | 1 | $ 92,000 | $ 92,000 | $ 67,000 |
| Crawford, Kansas | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Reno, Kansas | 1 | $ 57,000 | $ 57,000 | $ 42,000 |
| Sedgwick, Kansas | 1 | $ 78,000 | $ 78,000 | $ 81,000 |
| Washington, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| York, Maine | 1 | $ 150,000 | $ 150,000 | $ 175,000 |
| Baltimore, Maryland | 1 | $ 128,000 | $ 128,000 | $ 29,000 |
| Baltimore City, Maryland | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Caroline, Maryland | 1 | $ 130,000 | $ 130,000 | $ 36,000 |
| Charles, Maryland | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Harford, Maryland | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Howard, Maryland | 1 | $ 134,000 | $ 134,000 | $ 57,000 |
| Talbot, Maryland | 1 | $ 107,000 | $ 107,000 | $ 25,000 |
| Worcester, Maryland | 1 | $ 200,000 | $ 200,000 | $ 99,000 |
| Barnstable, Massachusetts | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Norfolk, Massachusetts | 1 | $ 127,000 | $ 127,000 | $ 45,000 |
| Clare, Michigan | 1 | $ 32,000 | $ 32,000 | $ 93,000 |
| Eaton, Michigan | 1 | $ 91,000 | $ 91,000 | $ 84,000 |
| Grand Traverse, Michigan | 1 | $ 180,000 | $ 180,000 | $ 211,000 |
| Ingham, Michigan | 1 | $ 93,000 | $ 93,000 | $ 43,000 |
| Oceana, Michigan | 1 | $ 122,000 | $ 122,000 | $ 28,000 |
| Van Buren, Michigan | 1 | $ 109,000 | $ 109,000 | $ 68,000 |
| Brown, Minnesota | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Dodge, Minnesota | 1 | $ 134,000 | $ 134,000 | $ 120,000 |
| Kanabec, Minnesota | 1 | $ 142,000 | $ 142,000 | $ 86,000 |
| Lake, Minnesota | 1 | $ 93,000 | $ 93,000 | $ 61,000 |
| Meeker, Minnesota | 1 | $ 190,000 | $ 190,000 | $ 54,000 |
| Mille Lacs, Minnesota | 1 | $ 230,000 | $ 230,000 | $ 246,000 |
| Pine, Minnesota | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Sibley, Minnesota | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Swift, Minnesota | 1 | $ 46,000 | $ 46,000 | $ 111,000 |
| Harrison, Mississippi | 1 | $ 92,000 | $ 92,000 | $ 119,000 |
| Jackson, Mississippi | 1 | $ 213,000 | $ 213,000 | $ 164,000 |
| Buchanan, Missouri | 1 | $ 37,000 | $ 37,000 | $ 63,000 |
| Christian, Missouri | 1 | $ 230,000 | $ 230,000 | $ 151,000 |
| Clay, Missouri | 1 | $ 130,000 | $ 130,000 | $ 71,000 |
| Hickory, Missouri | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Lincoln, Missouri | 1 | $ 68,000 | $ 68,000 | $ 59,000 |
| Platte, Missouri | 1 | $ 62,000 | $ 62,000 | $ 24,000 |
| Dawson, Montana | 1 | $ 46,000 | $ 46,000 | $ 118,000 |
| Flathead, Montana | 1 | $ 104,000 | $ 104,000 | $ 97,000 |
| Missoula, Montana | 1 | $ 132,000 | $ 132,000 | $ 16,000 |
| Douglas, Nebraska | 1 | $ 122,000 | $ 122,000 | $ 133,000 |
| Stanton, Nebraska | 1 | $ 100,000 | $ 100,000 | $ 94,000 |
| Washoe, Nevada | 1 | $ 320,000 | $ 320,000 | $ 120,000 |
| Carroll, New Hampshire | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Hillsborough, New Hampshire | 1 | $ 260,000 | $ 260,000 | $ 138,000 |
| Strafford, New Hampshire | 1 | $ 84,000 | $ 84,000 | $ 39,000 |
| Essex, New Jersey | 1 | $ 245,000 | $ 245,000 | $ 160,000 |
| Gloucester, New Jersey | 1 | $ 53,000 | $ 53,000 | $ 42,000 |
| Hunterdon, New Jersey | 1 | $ 200,000 | $ 200,000 | $ 111,000 |
| Monmouth, New Jersey | 1 | $ 121,000 | $ 121,000 | $ 96,000 |
| Morris, New Jersey | 1 | $ 283,000 | $ 283,000 | $ 180,000 |
| Ocean, New Jersey | 1 | $ 119,000 | $ 119,000 | $ 170,000 |
| Bernalillo, New Mexico | 1 | $ 162,000 | $ 162,000 | $ 37,000 |
| Greene, New York | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Oswego, New York | 1 | $ 62,000 | $ 62,000 | $ 78,000 |
| Rensselaer, New York | 1 | $ 122,000 | $ 122,000 | $ 69,000 |
| Saratoga, New York | 1 | $ 202,000 | $ 202,000 | $ 92,000 |
| Ulster, New York | 1 | $ 240,000 | $ 240,000 | $ 62,000 |
| Alleghany, North Carolina | 1 | $ 59,000 | $ 59,000 | $ 24,000 |
| Forsyth, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 101,000 |
| Mecklenburg, North Carolina | 1 | $ 310,000 | $ 310,000 | $ 76,000 |
| Grand Forks, North Dakota | 1 | $ 156,000 | $ 156,000 | $ 148,000 |
| Ashland, Ohio | 1 | $ 268,000 | $ 268,000 | $ 223,000 |
| Butler, Ohio | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| Lucas, Ohio | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Cleveland, Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
| Clackamas, Oregon | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Allegheny, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Bucks, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 135,000 |
| Carbon, Pennsylvania | 1 | $ 147,000 | $ 147,000 | $ 84,000 |
| Monroe, Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 146,000 |
| Washington, Rhode Island | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Clarendon, South Carolina | 1 | $ 154,000 | $ 154,000 | $ 168,000 |
| Custer, South Dakota | 1 | $ 90,000 | $ 90,000 | $ 18,000 |
| Lawrence, South Dakota | 1 | $ 451,000 | $ 451,000 | $ 147,000 |
| Pennington, South Dakota | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Roberts, South Dakota | 1 | $ 72,000 | $ 72,000 | $ 121,000 |
| Hamilton, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| Tipton, Tennessee | 1 | $ 164,000 | $ 164,000 | $ 99,000 |
| Washington, Tennessee | 1 | $ 68,000 | $ 68,000 | $ 126,000 |
| Williamson, Tennessee | 1 | $ 239,000 | $ 239,000 | $ 94,000 |
| Bell, Texas | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Bexar, Texas | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Brazoria, Texas | 1 | $ 73,000 | $ 73,000 | $ 71,000 |
| Dallas, Texas | 1 | $ 196,000 | $ 196,000 | $ 100,000 |
| Montgomery, Texas | 1 | $ 149,000 | $ 149,000 | $ 77,000 |
| Palo Pinto, Texas | 1 | $ 238,000 | $ 238,000 | $ 100,000 |
| Parker, Texas | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| Val Verde, Texas | 1 | $ 98,000 | $ 98,000 | $ 134,000 |
| Cache, Utah | 1 | $ 96,000 | $ 96,000 | $ 39,000 |
| Albemarle, Virginia | 1 | $ 324,000 | $ 324,000 | $ 231,000 |
| Henrico, Virginia | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
| Newport News, Virginia | 1 | $ 124,000 | $ 124,000 | $ 55,000 |
| Norfolk, Virginia | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Northampton, Virginia | 1 | $ 171,000 | $ 171,000 | $ 95,000 |
| Pittsylvania, Virginia | 1 | $ 154,000 | $ 154,000 | $ 133,000 |
| Clark, Washington | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Cowlitz, Washington | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Grays Harbor, Washington | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Kittitas, Washington | 1 | $ 264,000 | $ 264,000 | $ 193,000 |
| Snohomish, Washington | 1 | $ 222,000 | $ 222,000 | $ 48,000 |
| Thurston, Washington | 1 | $ 160,000 | $ 160,000 | $ 116,000 |
| Bayfield, Wisconsin | 1 | $ 213,000 | $ 213,000 | $ 226,000 |
| Brown, Wisconsin | 1 | $ 99,000 | $ 99,000 | $ 101,000 |
| Green Lake, Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Langlade, Wisconsin | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Marathon, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 171,000 |
| Portage, Wisconsin | 1 | $ 298,000 | $ 298,000 | $ 67,000 |
| Racine, Wisconsin | 1 | $ 170,000 | $ 170,000 | $ 91,000 |
| Wood, Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 58,000 |
| Johnson, Wyoming | 1 | $ 166,000 | $ 166,000 | $ 137,000 |
| Teton, Wyoming | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Washakie, Wyoming | 1 | $ 81,000 | $ 81,000 | $ 68,000 |
| Weston, Wyoming | 1 | $ 113,000 | $ 113,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for Wings Financial Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 2,007 | $301,690,000 | $148,177 | $636,000 | $90,822 | $324,000 |
| Home Purchase (one-to-four family) | 229 | $38,722,000 | $153,555 | $450,000 | $72,518 | $304,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,781 | $269,773,000 | $144,553 | $636,000 | $86,808 | $324,000 |
| Information not provided by applicant in mail or telephone application | 362 | $57,297,000 | $170,166 | $488,000 | $95,000 | $300,000 |
| Black | 35 | $4,660,000 | $146,750 | $406,000 | $63,833 | $235,000 |
| Asian or Pacific Islander | 27 | $4,405,000 | $156,000 | $301,000 | $76,666 | $172,000 |
| Hispanic | 22 | $3,242,000 | $131,555 | $270,000 | $72,222 | $153,000 |
| Other | 6 | $575,000 | $74,000 | $133,000 | $51,000 | $78,000 |
| American Indian or Alaskan Native | 3 | $460,000 | $153,333 | $215,000 | $91,666 | $120,000 |
| 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) | 2,236 | $340,412,000 | $145,893 | $636,000 | $86,297 | $324,000 |
| 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 | 1,905 | $288,966,000 | $146,454 | $636,000 | $92,386 | $324,000 |
| Application Withdrawn By Applicant | 175 | $27,263,000 | $152,103 | $450,000 | $75,896 | $230,000 |
| Application Denied By Financial Institution | 71 | $10,677,000 | $141,529 | $342,000 | $62,941 | $134,000 |
| Application Approved But Not Accepted | 66 | $10,518,000 | $187,473 | $487,000 | $97,473 | $268,000 |
| File Closed For Incompleteness | 19 | $2,988,000 | $162,181 | $343,000 | $80,090 | $165,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 41 | $6,161,000 | $150,333 | $342,000 | $62,916 | $126,000 |
| Collateral | 16 | $1,944,000 | $110,555 | $252,000 | $61,555 | $107,000 |
| Debt-To-Income Ratio | 7 | $1,279,000 | $175,800 | $323,000 | $78,200 | $134,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $609,000 | $186,000 | $269,000 | $54,500 | $99,000 |
| Other | 3 | $574,000 | $191,000 | $200,000 | $96,000 | $120,000 |
| Unverifiable Information | 1 | $110,000 | $110,000 | $110,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wings Financial Credit Union's 2003 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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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