Mill City Credit Union 2003 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 | Mill City Credit Union 9999 Wayzata Boulevard Minnetonka, MN 55305 Tel #: available with data download |
Federal Regulator | * available with data download |
Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 868 |
Total Mortgage Loan Application Amount | $140,737,000 |
Average Mortgage Loan Application Amount | $161,953 |
Highest Mortgage Loan Application Amount | $918,000 |
Average Applicant Income | $70,923 |
Highest Applicant Income | $448,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Mill City 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 Mill City Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Mill City 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 Mill City Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Mill City 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 Mill City Credit Union's mortgage activity for 2003.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Ada County Idaho | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
Adams County Illinois | 2 | $ 133,000 | $ 66,000 | $ 45,000 |
Aiken County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
Aitkin County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
Allegan County Michigan | 1 | $ 146,000 | $ 146,000 | $ 42,000 |
Anoka County Minnesota | 38 | $ 5,637,000 | $ 148,000 | $ 71,000 |
Belknap County New Hampshire | 1 | $ 158,000 | $ 158,000 | $ 42,000 |
Benton County Arkansas | 2 | $ 429,000 | $ 214,000 | $ 91,000 |
Benton County Iowa | 6 | $ 822,000 | $ 137,000 | $ 72,000 |
Benton County Minnesota | 1 | $ 126,000 | $ 126,000 | $ 42,000 |
Bergen County New Jersey | 2 | $ 513,000 | $ 256,000 | $ 21,000 |
Bernalillo County New Mexico | 8 | $ 1,028,000 | $ 128,000 | $ 80,000 |
Bingham County Idaho | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
Boone County Illinois | 5 | $ 485,000 | $ 97,000 | $ 38,000 |
Bristol County Massachusetts | 2 | $ 415,000 | $ 207,000 | $ 79,000 |
Broward County Florida | 2 | $ 497,000 | $ 248,000 | $ 117,000 |
Brown County Minnesota | 1 | $ 86,000 | $ 86,000 | $ 58,000 |
Buchanan County Iowa | 1 | $ 120,000 | $ 120,000 | $ 0 |
Bucks County Pennsylvania | 3 | $ 745,000 | $ 248,000 | $ 67,000 |
Burlington County New Jersey | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
Butler County Ohio | 3 | $ 802,000 | $ 267,000 | $ 91,000 |
Butler County Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 79,000 |
Calaveras County California | 1 | $ 176,000 | $ 176,000 | $ 101,000 |
Campbell County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
Cape May County New Jersey | 1 | $ 182,000 | $ 182,000 | $ 65,000 |
Carbon County Pennsylvania | 2 | $ 195,000 | $ 97,000 | $ 54,000 |
Carver County Minnesota | 18 | $ 3,486,000 | $ 193,000 | $ 79,000 |
Cascade County Montana | 3 | $ 297,000 | $ 99,000 | $ 44,000 |
Cherokee County Kansas | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
Chester County Pennsylvania | 1 | $ 754,000 | $ 754,000 | $ 340,000 |
Clackamas County Oregon | 2 | $ 455,000 | $ 227,000 | $ 105,000 |
Clare County Michigan | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
Cobb County Georgia | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
Cook County Illinois | 5 | $ 964,000 | $ 192,000 | $ 80,000 |
Cook County Minnesota | 1 | $ 320,000 | $ 320,000 | $ 163,000 |
Craig County Oklahoma | 2 | $ 105,000 | $ 52,000 | $ 63,000 |
Cumberland County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
Cuyahoga County Ohio | 1 | $ 300,000 | $ 300,000 | $ 232,000 |
Dakota County Minnesota | 23 | $ 4,276,000 | $ 185,000 | $ 77,000 |
Dallas County Texas | 1 | $ 323,000 | $ 323,000 | $ 120,000 |
Dane County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
Davis County Utah | 1 | $ 130,000 | $ 130,000 | $ 93,000 |
DeKalb County Georgia | 3 | $ 1,247,000 | $ 415,000 | $ 64,000 |
DeKalb County Illinois | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
Delaware County Ohio | 1 | $ 162,000 | $ 162,000 | $ 74,000 |
Delaware County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
Delaware County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
Denton County Texas | 1 | $ 129,000 | $ 129,000 | $ 99,000 |
DuPage County Illinois | 6 | $ 801,000 | $ 133,000 | $ 80,000 |
Ellis County Kansas | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
Erie County New York | 9 | $ 915,000 | $ 101,000 | $ 69,000 |
Essex County Massachusetts | 5 | $ 1,006,000 | $ 201,000 | $ 67,000 |
Essex County New Jersey | 1 | $ 230,000 | $ 230,000 | $ 229,000 |
Fayette County Iowa | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
Floyd County Indiana | 2 | $ 448,000 | $ 224,000 | $ 83,000 |
Forsyth County Georgia | 2 | $ 285,000 | $ 142,000 | $ 54,000 |
Franklin County Ohio | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
Gallia County Ohio | 1 | $ 119,000 | $ 119,000 | $ 75,000 |
Glenn County California | 1 | $ 312,000 | $ 312,000 | $ 250,000 |
Gloucester County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
Gooding County Idaho | 1 | $ 92,000 | $ 92,000 | $ 28,000 |
Guilford County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
Gwinnett County Georgia | 2 | $ 213,000 | $ 106,000 | $ 71,000 |
Hall County Georgia | 1 | $ 126,000 | $ 126,000 | $ 77,000 |
Hamilton County Ohio | 7 | $ 740,000 | $ 105,000 | $ 78,000 |
Hampton County Virginia | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
Harris County Texas | 5 | $ 789,000 | $ 157,000 | $ 78,000 |
Hennepin County Minnesota | 327 | $ 58,194,000 | $ 177,000 | $ 76,000 |
Hillsborough County New Hampshire | 1 | $ 256,000 | $ 256,000 | $ 82,000 |
Ingham County Michigan | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
Isanti County Minnesota | 2 | $ 234,000 | $ 117,000 | $ 37,000 |
Jackson County Ohio | 2 | $ 151,000 | $ 75,000 | $ 62,000 |
Jackson County Oregon | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
Jasper County Georgia | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
Jasper County Iowa | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
Jasper County Missouri | 2 | $ 145,000 | $ 72,000 | $ 43,000 |
Jefferson County Kentucky | 1 | $ 118,000 | $ 118,000 | $ 51,000 |
Johnson County Iowa | 7 | $ 830,000 | $ 118,000 | $ 53,000 |
Johnson County Kansas | 2 | $ 350,000 | $ 175,000 | $ 67,000 |
Jones County Iowa | 4 | $ 527,000 | $ 131,000 | $ 88,000 |
Kanabec County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
Kane County Illinois | 7 | $ 1,186,000 | $ 169,000 | $ 67,000 |
King County Washington | 1 | $ 295,000 | $ 295,000 | $ 112,000 |
Lake County Michigan | 1 | $ 104,000 | $ 104,000 | $ 70,000 |
Le Sueur County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 72,000 |
Lee County Illinois | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
Linn County Iowa | 32 | $ 3,964,000 | $ 123,000 | $ 78,000 |
Los Angeles County California | 7 | $ 1,839,000 | $ 262,000 | $ 85,000 |
Louisa County Iowa | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
Lucas County Ohio | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
Lyon County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
Madison County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
Marathon County Wisconsin | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
Maricopa County Arizona | 13 | $ 2,188,000 | $ 168,000 | $ 54,000 |
Marion County Florida | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
Marion County Missouri | 9 | $ 752,000 | $ 83,000 | $ 37,000 |
Marion County Ohio | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
Martin County Florida | 1 | $ 114,000 | $ 114,000 | $ 448,000 |
McLeod County Minnesota | 4 | $ 371,000 | $ 92,000 | $ 72,000 |
Mecosta County Michigan | 6 | $ 584,000 | $ 97,000 | $ 40,000 |
Mercer County New Jersey | 1 | $ 260,000 | $ 260,000 | $ 115,000 |
Miami-Dade County Florida | 26 | $ 3,546,000 | $ 136,000 | $ 69,000 |
Middlesex County Massachusetts | 2 | $ 488,000 | $ 244,000 | $ 82,000 |
Mille Lacs County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
Milwaukee County Wisconsin | 2 | $ 142,000 | $ 71,000 | $ 68,000 |
Monroe County Florida | 1 | $ 83,000 | $ 83,000 | $ 12,000 |
Monroe County Missouri | 1 | $ 78,000 | $ 78,000 | $ 61,000 |
Montgomery County Pennsylvania | 4 | $ 763,000 | $ 190,000 | $ 77,000 |
Morris County New Jersey | 1 | $ 199,000 | $ 199,000 | $ 101,000 |
Muscatine County Iowa | 2 | $ 220,000 | $ 110,000 | $ 45,000 |
New York County New York | 2 | $ 523,000 | $ 261,000 | $ 159,000 |
Newton County Georgia | 6 | $ 699,000 | $ 116,000 | $ 69,000 |
Newton County Missouri | 2 | $ 124,000 | $ 62,000 | $ 35,000 |
Niagara County New York | 2 | $ 265,000 | $ 132,000 | $ 86,000 |
Orange County California | 2 | $ 457,000 | $ 228,000 | $ 74,000 |
Orange County Florida | 1 | $ 165,000 | $ 165,000 | $ 167,000 |
Osceola County Michigan | 8 | $ 746,000 | $ 93,000 | $ 48,000 |
Pasco County Florida | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
Payne County Oklahoma | 1 | $ 134,000 | $ 134,000 | $ 65,000 |
Penobscot County Maine | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
Phelps County Missouri | 1 | $ 184,000 | $ 184,000 | $ 143,000 |
Pinellas County Florida | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
Polk County Iowa | 2 | $ 236,000 | $ 118,000 | $ 63,000 |
Polk County Wisconsin | 1 | $ 144,000 | $ 144,000 | $ 35,000 |
Pondera County Montana | 1 | $ 73,000 | $ 73,000 | $ 51,000 |
Portage County Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
Powhatan County Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
Prince William County Virginia | 1 | $ 291,000 | $ 291,000 | $ 81,000 |
Ralls County Missouri | 3 | $ 328,000 | $ 109,000 | $ 55,000 |
Ramsey County Minnesota | 22 | $ 3,269,000 | $ 148,000 | $ 69,000 |
Riverside County California | 2 | $ 420,000 | $ 210,000 | $ 102,000 |
Rockdale County Georgia | 9 | $ 1,299,000 | $ 144,000 | $ 98,000 |
Rockingham County New Hampshire | 4 | $ 661,000 | $ 165,000 | $ 54,000 |
Rutherford County Tennessee | 6 | $ 741,000 | $ 123,000 | $ 45,000 |
Sacramento County California | 2 | $ 322,000 | $ 161,000 | $ 60,000 |
Salt Lake County Utah | 1 | $ 323,000 | $ 323,000 | $ 60,000 |
San Diego County California | 2 | $ 430,000 | $ 215,000 | $ 115,000 |
San Joaquin County California | 2 | $ 386,000 | $ 193,000 | $ 69,000 |
San Miguel County Colorado | 1 | $ 127,000 | $ 127,000 | $ 72,000 |
Sandoval County New Mexico | 3 | $ 499,000 | $ 166,000 | $ 66,000 |
Santa Clara County California | 1 | $ 299,000 | $ 299,000 | $ 95,000 |
Schuylkill County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
Scott County Minnesota | 12 | $ 2,247,000 | $ 187,000 | $ 76,000 |
Sherburne County Minnesota | 9 | $ 1,523,000 | $ 169,000 | $ 85,000 |
St. Croix County Wisconsin | 1 | $ 322,000 | $ 322,000 | $ 96,000 |
St. Louis County Minnesota | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
Stanislaus County California | 1 | $ 110,000 | $ 110,000 | $ 70,000 |
Story County Iowa | 1 | $ 78,000 | $ 78,000 | $ 81,000 |
Suffolk County Massachusetts | 3 | $ 609,000 | $ 203,000 | $ 79,000 |
Teton County Montana | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
Teton County Wyoming | 1 | $ 390,000 | $ 390,000 | $ 96,000 |
Tulare County California | 1 | $ 82,000 | $ 82,000 | $ 88,000 |
Union County New Jersey | 1 | $ 142,000 | $ 142,000 | $ 35,000 |
Valencia County New Mexico | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
Ventura County California | 1 | $ 244,000 | $ 244,000 | $ 84,000 |
Walton County Georgia | 2 | $ 282,000 | $ 141,000 | $ 55,000 |
Ward County North Dakota | 1 | $ 133,000 | $ 133,000 | $ 80,000 |
Warren County Iowa | 2 | $ 165,000 | $ 82,000 | $ 42,000 |
Warren County Ohio | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
Washington County Arkansas | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
Washington County Iowa | 1 | $ 147,000 | $ 147,000 | $ 49,000 |
Washington County Minnesota | 7 | $ 1,198,000 | $ 171,000 | $ 79,000 |
Washington County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 52,000 |
Washtenaw County Michigan | 1 | $ 323,000 | $ 323,000 | $ 133,000 |
Waukesha County Wisconsin | 1 | $ 197,000 | $ 197,000 | $ 90,000 |
Wayne County Michigan | 2 | $ 237,000 | $ 118,000 | $ 66,000 |
Wexford County Michigan | 2 | $ 233,000 | $ 116,000 | $ 48,000 |
Winnebago County Illinois | 8 | $ 738,000 | $ 92,000 | $ 54,000 |
Wright County Minnesota | 16 | $ 2,397,000 | $ 149,000 | $ 84,000 |
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) | 576 | $88,748,000 | $159,437 | $918,000 | $76,031 | $448,000 |
Home Purchase (one-to-four family) | 290 | $51,776,000 | $166,218 | $550,000 | $66,625 | $280,000 |
Home Improvement (one-to-four family) | 2 | $213,000 | $106,000 | $126,000 | $45,000 | $48,000 |
Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 543 | $85,876,000 | $163,437 | $550,000 | $76,343 | $448,000 |
Information not provided by applicant in mail or telephone application | 218 | $38,047,000 | $172,074 | $918,000 | $72,407 | $340,000 |
Hispanic | 42 | $7,193,000 | $169,076 | $345,000 | $67,615 | $250,000 |
Black | 33 | $4,746,000 | $140,153 | $310,000 | $61,384 | $222,000 |
Asian or Pacific Islander | 16 | $2,683,000 | $200,250 | $301,000 | $84,000 | $157,000 |
Other | 15 | $2,162,000 | $132,750 | $258,000 | $65,125 | $177,000 |
American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $32,000 | $32,000 |
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) | 868 | $140,737,000 | $164,833 | $918,000 | $72,388 | $448,000 |
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 |
---|---|---|---|---|---|---|
File Closed For Incompleteness | 405 | $65,581,000 | $164,366 | $918,000 | $75,100 | $284,000 |
Application Withdrawn By Applicant | 327 | $52,494,000 | $157,448 | $550,000 | $69,000 | $234,000 |
Loan Originated | 79 | $15,065,000 | $175,117 | $800,000 | $92,176 | $448,000 |
Application Denied By Financial Institution | 57 | $7,597,000 | $123,272 | $323,000 | $54,727 | $192,000 |
Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 38 | $4,958,000 | $129,666 | $323,000 | $55,200 | $192,000 |
Debt-To-Income Ratio | 12 | $1,710,000 | $105,285 | $264,000 | $45,285 | $88,000 |
Collateral | 3 | $194,000 | $64,666 | $122,000 | $49,666 | $85,000 |
Other | 3 | $580,000 | $193,333 | $280,000 | $70,333 | $95,000 |
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 |
Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mill City 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 Mill City 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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with aggregated HMDA statistics today.
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