Wings Financial Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Wings Financial Credit Union 2005 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 | 623 |
| Total Mortgage Loan Application Amount | $124,348,000 |
| Average Mortgage Loan Application Amount | $214,027 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $88,472 |
| Highest Applicant Income | $366,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 149 | $ 27,764,000 | $ 186,000 | $ 74,000 |
| Hennepin County Minnesota | 89 | $ 18,362,000 | $ 206,000 | $ 75,000 |
| Scott County Minnesota | 25 | $ 5,502,000 | $ 220,000 | $ 111,000 |
| Ramsey County Minnesota | 24 | $ 4,039,000 | $ 168,000 | $ 74,000 |
| Washington County Minnesota | 19 | $ 4,612,000 | $ 242,000 | $ 68,000 |
| Wayne County Michigan | 15 | $ 2,259,000 | $ 150,000 | $ 54,000 |
| Maricopa County Arizona | 11 | $ 2,187,000 | $ 198,000 | $ 77,000 |
| King County Washington | 11 | $ 2,427,000 | $ 220,000 | $ 66,000 |
| St. Louis County Minnesota | 10 | $ 1,358,000 | $ 135,000 | $ 54,000 |
| Shelby County Tennessee | 10 | $ 1,514,000 | $ 151,000 | $ 110,000 |
| Carver County Minnesota | 8 | $ 2,410,000 | $ 301,000 | $ 110,000 |
| DeSoto County Mississippi | 8 | $ 1,114,000 | $ 139,000 | $ 42,000 |
| Cook County Illinois | 7 | $ 1,375,000 | $ 196,000 | $ 59,000 |
| Oakland County Michigan | 7 | $ 1,426,000 | $ 203,000 | $ 117,000 |
| Broward County Florida | 5 | $ 742,000 | $ 148,000 | $ 48,000 |
| Goodhue County Minnesota | 5 | $ 1,138,000 | $ 227,000 | $ 80,000 |
| Clark County Nevada | 5 | $ 1,430,000 | $ 286,000 | $ 120,000 |
| Anchorage County Alaska | 4 | $ 935,000 | $ 233,000 | $ 122,000 |
| Hillsborough County Florida | 4 | $ 722,000 | $ 180,000 | $ 69,000 |
| Palm Beach County Florida | 4 | $ 793,000 | $ 198,000 | $ 100,000 |
| Pinellas County Florida | 4 | $ 964,000 | $ 241,000 | $ 115,000 |
| Cobb County Georgia | 4 | $ 907,000 | $ 226,000 | $ 82,000 |
| Washtenaw County Michigan | 4 | $ 838,000 | $ 209,000 | $ 59,000 |
| Anoka County Minnesota | 4 | $ 786,000 | $ 196,000 | $ 62,000 |
| Sherburne County Minnesota | 4 | $ 1,194,000 | $ 298,000 | $ 194,000 |
| Pierce County Wisconsin | 4 | $ 850,000 | $ 212,000 | $ 108,000 |
| St. Croix County Wisconsin | 4 | $ 914,000 | $ 228,000 | $ 101,000 |
| Matanuska-Susitna County Alaska | 3 | $ 402,000 | $ 134,000 | $ 73,000 |
| Pima County Arizona | 3 | $ 508,000 | $ 169,000 | $ 48,000 |
| Lee County Florida | 3 | $ 566,000 | $ 188,000 | $ 85,000 |
| Miami-Dade County Florida | 3 | $ 574,000 | $ 191,000 | $ 82,000 |
| Orange County Florida | 3 | $ 570,000 | $ 190,000 | $ 112,000 |
| Coweta County Georgia | 3 | $ 545,000 | $ 181,000 | $ 55,000 |
| Monroe County Michigan | 3 | $ 506,000 | $ 168,000 | $ 87,000 |
| Crow Wing County Minnesota | 3 | $ 555,000 | $ 185,000 | $ 64,000 |
| Lucas County Ohio | 3 | $ 523,000 | $ 174,000 | $ 111,000 |
| Burnett County Wisconsin | 3 | $ 648,000 | $ 216,000 | $ 71,000 |
| Lake County Florida | 2 | $ 235,000 | $ 117,000 | $ 45,000 |
| Osceola County Florida | 2 | $ 429,000 | $ 214,000 | $ 54,000 |
| Gwinnett County Georgia | 2 | $ 306,000 | $ 153,000 | $ 105,000 |
| Polk County Iowa | 2 | $ 393,000 | $ 196,000 | $ 109,000 |
| Chisago County Minnesota | 2 | $ 561,000 | $ 280,000 | $ 138,000 |
| Douglas County Minnesota | 2 | $ 348,000 | $ 174,000 | $ 77,000 |
| Rice County Minnesota | 2 | $ 501,000 | $ 250,000 | $ 66,000 |
| Wright County Minnesota | 2 | $ 588,000 | $ 294,000 | $ 123,000 |
| Platte County Missouri | 2 | $ 311,000 | $ 155,000 | $ 64,000 |
| Cass County North Dakota | 2 | $ 291,000 | $ 145,000 | $ 54,000 |
| Minnehaha County South Dakota | 2 | $ 456,000 | $ 228,000 | $ 90,000 |
| Fayette County Tennessee | 2 | $ 504,000 | $ 252,000 | $ 50,000 |
| Spokane County Washington | 2 | $ 376,000 | $ 188,000 | $ 96,000 |
| Whatcom County Washington | 2 | $ 276,000 | $ 138,000 | $ 62,000 |
| Navajo County Arizona | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Pinal County Arizona | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Benton County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Independence County Arkansas | 1 | $ 111,000 | $ 111,000 | $ 85,000 |
| Fresno County California | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Los Angeles County California | 1 | $ 340,000 | $ 340,000 | $ 101,000 |
| Riverside County California | 1 | $ 90,000 | $ 90,000 | $ 18,000 |
| Sacramento County California | 1 | $ 388,000 | $ 388,000 | $ 67,000 |
| San Diego County California | 1 | $ 550,000 | $ 550,000 | $ 93,000 |
| San Joaquin County California | 1 | $ 360,000 | $ 360,000 | $ 54,000 |
| Santa Cruz County California | 1 | $ 350,000 | $ 350,000 | $ 209,000 |
| Sonoma County California | 1 | $ 359,000 | $ 359,000 | $ 103,000 |
| Arapahoe County Colorado | 1 | $ 355,000 | $ 355,000 | $ 73,000 |
| El Paso County Colorado | 1 | $ 300,000 | $ 300,000 | $ 164,000 |
| Clay County Florida | 1 | $ 193,000 | $ 193,000 | $ 181,000 |
| Collier County Florida | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Indian River County Florida | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| Leon County Florida | 1 | $ 258,000 | $ 258,000 | $ 109,000 |
| Okaloosa County Florida | 1 | $ 350,000 | $ 350,000 | $ 114,000 |
| Pasco County Florida | 1 | $ 134,000 | $ 134,000 | $ 34,000 |
| Polk County Florida | 1 | $ 250,000 | $ 250,000 | $ 154,000 |
| Sarasota County Florida | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Seminole County Florida | 1 | $ 304,000 | $ 304,000 | $ 92,000 |
| Volusia County Florida | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Bulloch County Georgia | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| Carroll County Georgia | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Clayton County Georgia | 1 | $ 107,000 | $ 107,000 | $ 145,000 |
| Ada County Idaho | 1 | $ 170,000 | $ 170,000 | $ 97,000 |
| Kootenai County Idaho | 1 | $ 230,000 | $ 230,000 | $ 42,000 |
| Twin Falls County Idaho | 1 | $ 400,000 | $ 400,000 | $ 131,000 |
| Marshall County Illinois | 1 | $ 136,000 | $ 136,000 | $ 125,000 |
| Boone County Indiana | 1 | $ 249,000 | $ 249,000 | $ 95,000 |
| Hendricks County Indiana | 1 | $ 179,000 | $ 179,000 | $ 79,000 |
| Morgan County Indiana | 1 | $ 230,000 | $ 230,000 | $ 83,000 |
| Porter County Indiana | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| St. Joseph County Indiana | 1 | $ 203,000 | $ 203,000 | $ 78,000 |
| Howard County Iowa | 1 | $ 151,000 | $ 151,000 | $ 53,000 |
| Linn County Iowa | 1 | $ 167,000 | $ 167,000 | $ 63,000 |
| Warren County Iowa | 1 | $ 152,000 | $ 152,000 | $ 73,000 |
| Sedgwick County Kansas | 1 | $ 296,000 | $ 296,000 | $ 118,000 |
| St. John the Baptist County Louisiana | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| York County Maine | 1 | $ 300,000 | $ 300,000 | $ 164,000 |
| Charles County Maryland | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Berkshire County Massachusetts | 1 | $ 119,000 | $ 119,000 | $ 145,000 |
| Benzie County Michigan | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Jackson County Michigan | 1 | $ 140,000 | $ 140,000 | $ 195,000 |
| Lapeer County Michigan | 1 | $ 103,000 | $ 103,000 | $ 29,000 |
| Leelanau County Michigan | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| Lenawee County Michigan | 1 | $ 228,000 | $ 228,000 | $ 205,000 |
| Livingston County Michigan | 1 | $ 309,000 | $ 309,000 | $ 47,000 |
| Ottawa County Michigan | 1 | $ 128,000 | $ 128,000 | $ 57,000 |
| Saginaw County Michigan | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Aitkin County Minnesota | 1 | $ 61,000 | $ 61,000 | $ 114,000 |
| Becker County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Cass County Minnesota | 1 | $ 288,000 | $ 288,000 | $ 217,000 |
| Hubbard County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| Kandiyohi County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Le Sueur County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| McLeod County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 43,000 |
| Stearns County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Steele County Minnesota | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Todd County Minnesota | 1 | $ 176,000 | $ 176,000 | $ 116,000 |
| Calhoun County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Marshall County Mississippi | 1 | $ 63,000 | $ 63,000 | $ 28,000 |
| Monroe County Mississippi | 1 | $ 49,000 | $ 49,000 | $ 33,000 |
| Neshoba County Mississippi | 1 | $ 91,000 | $ 91,000 | $ 64,000 |
| Greene County Missouri | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Gallatin County Montana | 1 | $ 200,000 | $ 200,000 | $ 51,000 |
| Sweet Grass County Montana | 1 | $ 550,000 | $ 550,000 | $ 186,000 |
| Douglas County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Stanton County Nebraska | 1 | $ 320,000 | $ 320,000 | $ 104,000 |
| Carroll County New Hampshire | 1 | $ 200,000 | $ 200,000 | $ 186,000 |
| Union County New Jersey | 1 | $ 377,000 | $ 377,000 | $ 131,000 |
| Bernalillo County New Mexico | 1 | $ 129,000 | $ 129,000 | $ 40,000 |
| Sandoval County New Mexico | 1 | $ 270,000 | $ 270,000 | $ 157,000 |
| Greene County New York | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Kings County New York | 1 | $ 405,000 | $ 405,000 | $ 60,000 |
| Nassau County New York | 1 | $ 325,000 | $ 325,000 | $ 79,000 |
| Avery County North Carolina | 1 | $ 198,000 | $ 198,000 | $ 129,000 |
| Duplin County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 18,000 |
| Guilford County North Carolina | 1 | $ 320,000 | $ 320,000 | $ 90,000 |
| Iredell County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 162,000 |
| Tulsa County Oklahoma | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Deschutes County Oregon | 1 | $ 400,000 | $ 400,000 | $ 213,000 |
| Douglas County Oregon | 1 | $ 64,000 | $ 64,000 | $ 14,000 |
| Jackson County Oregon | 1 | $ 158,000 | $ 158,000 | $ 47,000 |
| Allegheny County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
| Bucks County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Lancaster County Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 120,000 |
| Beaufort County South Carolina | 1 | $ 900,000 | $ 900,000 | $ 215,000 |
| Georgetown County South Carolina | 1 | $ 194,000 | $ 194,000 | $ 64,000 |
| Greenville County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 182,000 |
| Horry County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 96,000 |
| Lexington County South Carolina | 1 | $ 178,000 | $ 178,000 | $ 53,000 |
| Codington County South Dakota | 1 | $ 277,000 | $ 277,000 | $ 208,000 |
| Davidson County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 184,000 |
| Collin County Texas | 1 | $ 164,000 | $ 164,000 | $ 81,000 |
| Tarrant County Texas | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Davis County Utah | 1 | $ 147,000 | $ 147,000 | $ 96,000 |
| Utah County Utah | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Newport News County Virginia | 1 | $ 157,000 | $ 157,000 | $ 43,000 |
| Island County Washington | 1 | $ 229,000 | $ 229,000 | $ 51,000 |
| Pierce County Washington | 1 | $ 300,000 | $ 300,000 | $ 55,000 |
| Bayfield County Wisconsin | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Columbia County Wisconsin | 1 | $ 188,000 | $ 188,000 | $ 59,000 |
| Dane County Wisconsin | 1 | $ 258,000 | $ 258,000 | $ 90,000 |
| Eau Claire County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 205,000 |
| Vilas County Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Washburn County Wisconsin | 1 | $ 211,000 | $ 211,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Wings Financial Credit Union in 2005
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 | 362 | $70,329,000 | $228,133 | $900,000 | $93,000 | $366,000 |
| Home Purchase | 247 | $51,223,000 | $203,750 | $1,200,000 | $86,444 | $268,000 |
| Home Improvement | 14 | $2,796,000 | $205,166 | $368,000 | $78,000 | $220,000 |
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 | 451 | $88,297,000 | $203,763 | $1,200,000 | $87,789 | $366,000 |
| Not Provided | 134 | $29,554,000 | $244,000 | $900,000 | $95,565 | $300,000 |
| Black or African American | 18 | $2,794,000 | $171,600 | $377,000 | $70,100 | $229,000 |
| Asian | 13 | $2,433,000 | $231,000 | $340,000 | $62,333 | $172,000 |
| Hispanic | 4 | $736,000 | $184,000 | $214,000 | $59,000 | $77,000 |
| American Indian or Alaskan Native | 2 | $346,000 | $173,000 | $246,000 | $90,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $188,000 | $188,000 | $188,000 | $59,000 | $59,000 |
| 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) | 623 | $124,348,000 | $215,404 | $1,200,000 | $91,142 | $366,000 |
| 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 | 523 | $101,681,000 | $207,128 | $900,000 | $90,948 | $366,000 |
| Application Denied By Financial Institution | 49 | $11,169,000 | $200,266 | $1,200,000 | $67,733 | $245,000 |
| Application Approved But Not Accepted | 42 | $9,026,000 | $238,400 | $550,000 | $95,200 | $233,000 |
| Preapproval Denied by Financial Institution | 8 | $2,407,000 | $300,000 | $630,000 | $72,000 | $154,000 |
| Application Withdrawn By Applicant | 1 | $65,000 | $65,000 | $65,000 | $39,000 | $39,000 |
| 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 |
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 | 32 | $6,832,000 | $212,133 | $398,000 | $71,200 | $132,000 |
| Debt-To-Income Ratio | 4 | $851,000 | $199,000 | $282,000 | $39,333 | $64,000 |
| Collateral | 4 | $529,000 | $127,000 | $239,000 | $50,333 | $67,000 |
| Employment History | 3 | $2,016,000 | $661,500 | $1,200,000 | $145,500 | $245,000 |
| Credit Application Incomplete | 1 | $340,000 | $340,000 | $340,000 | $101,000 | $101,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wings Financial Credit Union's 2005 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.