Wings Financial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

Wings Financial Credit Union 2004 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 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 636
Total Mortgage Loan Application Amount $116,938,000
Average Mortgage Loan Application Amount $172,539
Highest Mortgage Loan Application Amount $800,000
Average Applicant Income $80,960
Highest Applicant Income $405,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Wings Financial 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 Wings Financial Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2004 breaks down Wings Financial 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 Wings Financial Credit Union serves its applicants.

Each category highlights the total number of mortgage applications processed by Wings Financial 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 Wings Financial Credit Union's mortgage activity for 2004.

Mortgage Loan Application Totals for Wings Financial Credit Union by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dakota County Minnesota 142 $ 25,912,000 $ 182,000 $ 69,000
Hennepin County Minnesota 92 $ 16,023,000 $ 174,000 $ 82,000
Ramsey County Minnesota 33 $ 5,888,000 $ 178,000 $ 60,000
Washington County Minnesota 23 $ 4,560,000 $ 198,000 $ 71,000
Scott County Minnesota 22 $ 5,058,000 $ 229,000 $ 76,000
Wayne County Michigan 12 $ 1,745,000 $ 145,000 $ 64,000
Rice County Minnesota 9 $ 2,036,000 $ 226,000 $ 98,000
King County Washington 9 $ 2,200,000 $ 244,000 $ 97,000
Oakland County Michigan 8 $ 1,799,000 $ 224,000 $ 85,000
Maricopa County Arizona 7 $ 1,309,000 $ 187,000 $ 75,000
Anoka County Minnesota 7 $ 1,232,000 $ 176,000 $ 77,000
St. Louis County Minnesota 7 $ 827,000 $ 118,000 $ 67,000
Shelby County Tennessee 7 $ 1,065,000 $ 152,000 $ 68,000
Livingston County Michigan 6 $ 1,476,000 $ 246,000 $ 142,000
Crow Wing County Minnesota 6 $ 827,000 $ 137,000 $ 51,000
Palm Beach County Florida 5 $ 1,150,000 $ 230,000 $ 81,000
Carver County Minnesota 5 $ 986,000 $ 197,000 $ 91,000
Wright County Minnesota 5 $ 1,016,000 $ 203,000 $ 63,000
DeSoto County Mississippi 5 $ 628,000 $ 125,000 $ 48,000
Pierce County Wisconsin 5 $ 1,137,000 $ 227,000 $ 93,000
Polk County Wisconsin 5 $ 844,000 $ 168,000 $ 115,000
St. Croix County Wisconsin 5 $ 1,052,000 $ 210,000 $ 81,000
Collier County Florida 4 $ 628,000 $ 157,000 $ 49,000
Hillsborough County Florida 4 $ 624,000 $ 156,000 $ 56,000
Kent County Michigan 4 $ 1,034,000 $ 258,000 $ 118,000
San Diego County California 3 $ 990,000 $ 330,000 $ 157,000
Charlotte County Florida 3 $ 346,000 $ 115,000 $ 73,000
Washtenaw County Michigan 3 $ 813,000 $ 271,000 $ 87,000
Aitkin County Minnesota 3 $ 540,000 $ 180,000 $ 65,000
Goodhue County Minnesota 3 $ 486,000 $ 162,000 $ 71,000
Clark County Nevada 3 $ 597,000 $ 199,000 $ 63,000
Douglas County Wisconsin 3 $ 492,000 $ 164,000 $ 84,000
Anchorage County Alaska 2 $ 136,000 $ 68,000 $ 143,000
Santa Clara County California 2 $ 633,000 $ 316,000 $ 152,000
Hartford County Connecticut 2 $ 354,000 $ 177,000 $ 73,000
Broward County Florida 2 $ 194,000 $ 97,000 $ 28,000
Lee County Florida 2 $ 546,000 $ 273,000 $ 158,000
Osceola County Florida 2 $ 253,000 $ 126,000 $ 57,000
Pinellas County Florida 2 $ 135,000 $ 67,000 $ 35,000
Walton County Florida 2 $ 439,000 $ 219,000 $ 60,000
Fulton County Georgia 2 $ 384,000 $ 192,000 $ 53,000
Honolulu County Hawaii 2 $ 963,000 $ 481,000 $ 181,000
Cook County Illinois 2 $ 197,000 $ 98,000 $ 37,000
McHenry County Illinois 2 $ 208,000 $ 104,000 $ 57,000
Anne Arundel County Maryland 2 $ 322,000 $ 161,000 $ 47,000
Suffolk County Massachusetts 2 $ 461,000 $ 230,000 $ 54,000
Carlton County Minnesota 2 $ 372,000 $ 186,000 $ 125,000
Chisago County Minnesota 2 $ 367,000 $ 183,000 $ 83,000
Isanti County Minnesota 2 $ 347,000 $ 173,000 $ 54,000
Sherburne County Minnesota 2 $ 528,000 $ 264,000 $ 62,000
Clay County Missouri 2 $ 210,000 $ 105,000 $ 75,000
Carroll County New Hampshire 2 $ 777,000 $ 388,000 $ 187,000
Merrimack County New Hampshire 2 $ 451,000 $ 225,000 $ 87,000
Columbia County New York 2 $ 499,000 $ 249,000 $ 108,000
Mecklenburg County North Carolina 2 $ 380,000 $ 190,000 $ 99,000
Cass County North Dakota 2 $ 148,000 $ 74,000 $ 54,000
Franklin County Ohio 2 $ 200,000 $ 100,000 $ 30,000
Dallas County Texas 2 $ 314,000 $ 157,000 $ 80,000
Snohomish County Washington 2 $ 536,000 $ 268,000 $ 81,000
Milwaukee County Wisconsin 2 $ 164,000 $ 82,000 $ 43,000
Pike County Alabama 1 $ 54,000 $ 54,000 $ 85,000
Matanuska-Susitna County Alaska 1 $ 148,000 $ 148,000 $ 60,000
Yavapai County Arizona 1 $ 232,000 $ 232,000 $ 45,000
Baxter County Arkansas 1 $ 100,000 $ 100,000 $ 81,000
Benton County Arkansas 1 $ 124,000 $ 124,000 $ 37,000
Fresno County California 1 $ 237,000 $ 237,000 $ 48,000
Orange County California 1 $ 418,000 $ 418,000 $ 111,000
Riverside County California 1 $ 54,000 $ 54,000 $ 51,000
San Luis Obispo County California 1 $ 334,000 $ 334,000 $ 95,000
San Mateo County California 1 $ 200,000 $ 200,000 $ 40,000
Adams County Colorado 1 $ 214,000 $ 214,000 $ 39,000
New Castle County Delaware 1 $ 180,000 $ 180,000 $ 68,000
Brevard County Florida 1 $ 120,000 $ 120,000 $ 23,000
Hernando County Florida 1 $ 119,000 $ 119,000 $ 31,000
Indian River County Florida 1 $ 230,000 $ 230,000 $ 44,000
Lake County Florida 1 $ 287,000 $ 287,000 $ 139,000
Manatee County Florida 1 $ 56,000 $ 56,000 $ 59,000
Marion County Florida 1 $ 149,000 $ 149,000 $ 48,000
Miami-Dade County Florida 1 $ 70,000 $ 70,000 $ 161,000
Orange County Florida 1 $ 217,000 $ 217,000 $ 52,000
Santa Rosa County Florida 1 $ 150,000 $ 150,000 $ 405,000
Seminole County Florida 1 $ 236,000 $ 236,000 $ 102,000
Volusia County Florida 1 $ 205,000 $ 205,000 $ 140,000
Cherokee County Georgia 1 $ 215,000 $ 215,000 $ 131,000
Clayton County Georgia 1 $ 113,000 $ 113,000 $ 52,000
Cobb County Georgia 1 $ 230,000 $ 230,000 $ 121,000
Forsyth County Georgia 1 $ 414,000 $ 414,000 $ 103,000
Hawaii County Hawaii 1 $ 148,000 $ 148,000 $ 54,000
Boise County Idaho 1 $ 100,000 $ 100,000 $ 113,000
Kootenai County Idaho 1 $ 50,000 $ 50,000 $ 30,000
Lake County Illinois 1 $ 55,000 $ 55,000 $ 28,000
Monroe County Illinois 1 $ 257,000 $ 257,000 $ 111,000
Monroe County Indiana 1 $ 120,000 $ 120,000 $ 28,000
Black Hawk County Iowa 1 $ 121,000 $ 121,000 $ 48,000
Dallas County Iowa 1 $ 219,000 $ 219,000 $ 108,000
Ringgold County Iowa 1 $ 113,000 $ 113,000 $ 61,000
Johnson County Kansas 1 $ 153,000 $ 153,000 $ 55,000
Campbell County Kentucky 1 $ 113,000 $ 113,000 $ 40,000
Larue County Kentucky 1 $ 70,000 $ 70,000 $ 28,000
Waldo County Maine 1 $ 180,000 $ 180,000 $ 47,000
Montgomery County Maryland 1 $ 236,000 $ 236,000 $ 46,000
Essex County Massachusetts 1 $ 145,000 $ 145,000 $ 76,000
Bay County Michigan 1 $ 203,000 $ 203,000 $ 48,000
Gladwin County Michigan 1 $ 122,000 $ 122,000 $ 79,000
Lenawee County Michigan 1 $ 66,000 $ 66,000 $ 42,000
Monroe County Michigan 1 $ 194,000 $ 194,000 $ 157,000
Clearwater County Minnesota 1 $ 65,000 $ 65,000 $ 67,000
Dodge County Minnesota 1 $ 117,000 $ 117,000 $ 30,000
Hubbard County Minnesota 1 $ 129,000 $ 129,000 $ 62,000
Itasca County Minnesota 1 $ 192,000 $ 192,000 $ 188,000
Lake County Minnesota 1 $ 70,000 $ 70,000 $ 32,000
Le Sueur County Minnesota 1 $ 176,000 $ 176,000 $ 86,000
Olmsted County Minnesota 1 $ 334,000 $ 334,000 $ 188,000
Pine County Minnesota 1 $ 250,000 $ 250,000 $ 43,000
Sibley County Minnesota 1 $ 183,000 $ 183,000 $ 72,000
Todd County Minnesota 1 $ 105,000 $ 105,000 $ 0
Cass County Missouri 1 $ 176,000 $ 176,000 $ 45,000
Dawson County Montana 1 $ 46,000 $ 46,000 $ 104,000
Gallatin County Montana 1 $ 140,000 $ 140,000 $ 95,000
Yellowstone County Montana 1 $ 80,000 $ 80,000 $ 120,000
Douglas County Nevada 1 $ 267,000 $ 267,000 $ 42,000
Belknap County New Hampshire 1 $ 200,000 $ 200,000 $ 144,000
Hillsborough County New Hampshire 1 $ 125,000 $ 125,000 $ 190,000
Strafford County New Hampshire 1 $ 153,000 $ 153,000 $ 53,000
Atlantic County New Jersey 1 $ 300,000 $ 300,000 $ 90,000
Camden County New Jersey 1 $ 330,000 $ 330,000 $ 89,000
Middlesex County New Jersey 1 $ 149,000 $ 149,000 $ 24,000
Ocean County New Jersey 1 $ 291,000 $ 291,000 $ 105,000
Nassau County New York 1 $ 250,000 $ 250,000 $ 100,000
Onondaga County New York 1 $ 150,000 $ 150,000 $ 229,000
Catawba County North Carolina 1 $ 85,000 $ 85,000 $ 83,000
Union County North Carolina 1 $ 160,000 $ 160,000 $ 45,000
Wake County North Carolina 1 $ 221,000 $ 221,000 $ 105,000
Grand Forks County North Dakota 1 $ 38,000 $ 38,000 $ 19,000
Ward County North Dakota 1 $ 46,000 $ 46,000 $ 53,000
Hamilton County Ohio 1 $ 131,000 $ 131,000 $ 115,000
Licking County Ohio 1 $ 92,000 $ 92,000 $ 75,000
Lucas County Ohio 1 $ 203,000 $ 203,000 $ 210,000
Montgomery County Ohio 1 $ 81,000 $ 81,000 $ 21,000
Portage County Ohio 1 $ 145,000 $ 145,000 $ 58,000
Clackamas County Oregon 1 $ 170,000 $ 170,000 $ 87,000
Berks County Pennsylvania 1 $ 180,000 $ 180,000 $ 109,000
Bradford County Pennsylvania 1 $ 128,000 $ 128,000 $ 34,000
Bucks County Pennsylvania 1 $ 219,000 $ 219,000 $ 58,000
Butler County Pennsylvania 1 $ 132,000 $ 132,000 $ 102,000
Cumberland County Pennsylvania 1 $ 92,000 $ 92,000 $ 71,000
Spartanburg County South Carolina 1 $ 203,000 $ 203,000 $ 97,000
Codington County South Dakota 1 $ 134,000 $ 134,000 $ 135,000
Minnehaha County South Dakota 1 $ 131,000 $ 131,000 $ 45,000
Fayette County Tennessee 1 $ 190,000 $ 190,000 $ 245,000
Sevier County Tennessee 1 $ 95,000 $ 95,000 $ 72,000
Tipton County Tennessee 1 $ 116,000 $ 116,000 $ 53,000
Bexar County Texas 1 $ 68,000 $ 68,000 $ 69,000
Collin County Texas 1 $ 119,000 $ 119,000 $ 106,000
Comal County Texas 1 $ 311,000 $ 311,000 $ 116,000
Cooke County Texas 1 $ 272,000 $ 272,000 $ 200,000
Denton County Texas 1 $ 270,000 $ 270,000 $ 166,000
Harris County Texas 1 $ 144,000 $ 144,000 $ 382,000
Lubbock County Texas 1 $ 50,000 $ 50,000 $ 79,000
Fairfax County Virginia 1 $ 334,000 $ 334,000 $ 110,000
Henrico County Virginia 1 $ 281,000 $ 281,000 $ 142,000
Shenandoah County Virginia 1 $ 270,000 $ 270,000 $ 168,000
Grays Harbor County Washington 1 $ 70,000 $ 70,000 $ 51,000
Mason County Washington 1 $ 63,000 $ 63,000 $ 64,000
Pierce County Washington 1 $ 160,000 $ 160,000 $ 62,000
Whatcom County Washington 1 $ 167,000 $ 167,000 $ 64,000
Barron County Wisconsin 1 $ 100,000 $ 100,000 $ 41,000
Dane County Wisconsin 1 $ 103,000 $ 103,000 $ 96,000
Kenosha County Wisconsin 1 $ 155,000 $ 155,000 $ 202,000
Waukesha County Wisconsin 1 $ 165,000 $ 165,000 $ 102,000

Mortgage Loan Application Detail Totals for Wings Financial Credit Union in 2004

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 345 $59,771,000 $167,424 $747,000 $82,969 $405,000
Home Purchase 271 $53,677,000 $168,918 $800,000 $79,513 $382,000
Home Improvement 20 $3,490,000 $223,000 $418,000 $78,833 $172,000

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 476 $86,332,000 $175,384 $747,000 $80,743 $405,000
Not Provided 125 $23,481,000 $171,360 $800,000 $83,920 $296,000
Black or African American 14 $2,519,000 $179,250 $320,000 $52,250 $134,000
Asian 8 $1,699,000 $210,750 $400,000 $87,000 $161,000
Hispanic 7 $1,498,000 $221,250 $334,000 $75,000 $117,000
Native Hawaiian or Other Pacific Islander 5 $1,227,000 $235,666 $475,000 $104,666 $193,000
American Indian or Alaskan Native 1 $182,000 $182,000 $182,000 $61,000 $61,000
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) 636 $116,938,000 $173,166 $800,000 $79,380 $405,000
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 512 $92,735,000 $171,675 $800,000 $83,325 $405,000
Application Approved But Not Accepted 58 $10,794,000 $154,333 $442,000 $70,055 $147,000
Application Denied By Financial Institution 43 $8,646,000 $183,000 $418,000 $53,266 $128,000
Preapproval Denied by Financial Institution 12 $2,957,000 $246,000 $399,000 $65,000 $143,000
Application Withdrawn By Applicant 10 $1,736,000 $172,500 $290,000 $71,500 $138,000
File Closed For Incompleteness 1 $70,000 $70,000 $70,000 $28,000 $28,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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 36 $7,880,000 $214,250 $418,000 $54,250 $143,000
Debt-To-Income Ratio 9 $1,837,000 $167,400 $315,000 $46,200 $82,000
Collateral 7 $1,217,000 $173,857 $330,000 $62,428 $89,000
Employment History 2 $538,000 $269,000 $300,000 $75,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 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 2004 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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