Mill City Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Mill City Credit Union 2009 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 | 474 |
| Total Mortgage Loan Application Amount | $71,183,000 |
| Average Mortgage Loan Application Amount | $116,333 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $98,666 |
| Highest Applicant Income | $400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin County Minnesota | 118 | $ 20,244,000 | $ 171,000 | $ 128,000 |
| Linn County Iowa | 21 | $ 2,078,000 | $ 98,000 | $ 80,000 |
| Wright County Minnesota | 17 | $ 2,615,000 | $ 153,000 | $ 82,000 |
| Ramsey County Minnesota | 15 | $ 2,895,000 | $ 193,000 | $ 137,000 |
| Anoka County Minnesota | 14 | $ 2,351,000 | $ 167,000 | $ 106,000 |
| Miami-Dade County Florida | 11 | $ 2,422,000 | $ 220,000 | $ 161,000 |
| Marion County Missouri | 11 | $ 776,000 | $ 70,000 | $ 58,000 |
| Dakota County Minnesota | 10 | $ 1,334,000 | $ 133,000 | $ 100,000 |
| Carver County Minnesota | 8 | $ 1,988,000 | $ 248,000 | $ 153,000 |
| Bernalillo County New Mexico | 8 | $ 1,133,000 | $ 141,000 | $ 114,000 |
| Winnebago County Illinois | 7 | $ 614,000 | $ 87,000 | $ 89,000 |
| Washington County Minnesota | 6 | $ 1,244,000 | $ 207,000 | $ 152,000 |
| Benton County Arkansas | 4 | $ 1,017,000 | $ 254,000 | $ 114,000 |
| Newton County Georgia | 4 | $ 379,000 | $ 94,000 | $ 59,000 |
| Boone County Illinois | 4 | $ 370,000 | $ 92,000 | $ 52,000 |
| Cook County Illinois | 4 | $ 581,000 | $ 145,000 | $ 82,000 |
| Benton County Iowa | 4 | $ 312,000 | $ 78,000 | $ 147,000 |
| Sherburne County Minnesota | 4 | $ 990,000 | $ 247,000 | $ 122,000 |
| Jasper County Missouri | 4 | $ 453,000 | $ 113,000 | $ 75,000 |
| Luzerne County Pennsylvania | 4 | $ 556,000 | $ 139,000 | $ 67,000 |
| Los Angeles County California | 3 | $ 778,000 | $ 259,000 | $ 72,000 |
| DuPage County Illinois | 3 | $ 546,000 | $ 182,000 | $ 83,000 |
| Pine County Minnesota | 3 | $ 199,000 | $ 66,000 | $ 31,000 |
| Ralls County Missouri | 3 | $ 206,000 | $ 68,000 | $ 57,000 |
| Erie County New York | 3 | $ 67,000 | $ 22,000 | $ 62,000 |
| Rutherford County Tennessee | 3 | $ 277,000 | $ 92,000 | $ 57,000 |
| Milwaukee County Wisconsin | 3 | $ 169,000 | $ 56,000 | $ 71,000 |
| Orange County California | 2 | $ 175,000 | $ 87,000 | $ 128,000 |
| Hartford County Connecticut | 2 | $ 257,000 | $ 128,000 | $ 152,000 |
| Broward County Florida | 2 | $ 309,000 | $ 154,000 | $ 109,000 |
| Pinellas County Florida | 2 | $ 607,000 | $ 303,000 | $ 110,000 |
| Fulton County Georgia | 2 | $ 165,000 | $ 82,000 | $ 67,000 |
| Gwinnett County Georgia | 2 | $ 286,000 | $ 143,000 | $ 79,000 |
| Rockdale County Georgia | 2 | $ 264,000 | $ 132,000 | $ 46,000 |
| Johnson County Iowa | 2 | $ 77,000 | $ 38,000 | $ 86,000 |
| Mecosta County Michigan | 2 | $ 233,000 | $ 116,000 | $ 52,000 |
| Osceola County Michigan | 2 | $ 215,000 | $ 107,000 | $ 64,000 |
| Clay County Minnesota | 2 | $ 182,000 | $ 91,000 | $ 55,000 |
| Scott County Minnesota | 2 | $ 293,000 | $ 146,000 | $ 120,000 |
| Warren County Ohio | 2 | $ 634,000 | $ 317,000 | $ 145,000 |
| Chester County Pennsylvania | 2 | $ 535,000 | $ 267,000 | $ 80,000 |
| Maricopa County Arizona | 1 | $ 417,000 | $ 417,000 | $ 85,000 |
| Pima County Arizona | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| San Diego County California | 1 | $ 120,000 | $ 120,000 | $ 49,000 |
| San Joaquin County California | 1 | $ 33,000 | $ 33,000 | $ 106,000 |
| Ventura County California | 1 | $ 50,000 | $ 50,000 | $ 106,000 |
| Eagle County Colorado | 1 | $ 380,000 | $ 380,000 | $ 388,000 |
| Middlesex County Connecticut | 1 | $ 258,000 | $ 258,000 | $ 79,000 |
| Lake County Florida | 1 | $ 47,000 | $ 47,000 | $ 41,000 |
| Cherokee County Georgia | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| Clayton County Georgia | 1 | $ 28,000 | $ 28,000 | $ 39,000 |
| Gilmer County Georgia | 1 | $ 213,000 | $ 213,000 | $ 196,000 |
| Henry County Georgia | 1 | $ 142,000 | $ 142,000 | $ 50,000 |
| Walton County Georgia | 1 | $ 196,000 | $ 196,000 | $ 130,000 |
| Bingham County Idaho | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Adams County Illinois | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| DeKalb County Illinois | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Fulton County Illinois | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Ogle County Illinois | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Pike County Illinois | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Wayne County Illinois | 1 | $ 157,000 | $ 157,000 | $ 92,000 |
| Will County Illinois | 1 | $ 120,000 | $ 120,000 | $ 105,000 |
| Clark County Indiana | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Marion County Indiana | 1 | $ 172,000 | $ 172,000 | $ 93,000 |
| Cedar County Iowa | 1 | $ 112,000 | $ 112,000 | $ 94,000 |
| Johnson County Kansas | 1 | $ 133,000 | $ 133,000 | $ 75,000 |
| Middlesex County Massachusetts | 1 | $ 6,000 | $ 6,000 | $ 70,000 |
| Kent County Michigan | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Newaygo County Michigan | 1 | $ 93,000 | $ 93,000 | $ 76,000 |
| Ottawa County Michigan | 1 | $ 189,000 | $ 189,000 | $ 80,000 |
| Wexford County Michigan | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Blue Earth County Minnesota | 1 | $ 116,000 | $ 116,000 | $ 175,000 |
| Cass County Minnesota | 1 | $ 44,000 | $ 44,000 | $ 81,000 |
| Chisago County Minnesota | 1 | $ 260,000 | $ 260,000 | $ 109,000 |
| Isanti County Minnesota | 1 | $ 228,000 | $ 228,000 | $ 130,000 |
| Le Sueur County Minnesota | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Lyon County Minnesota | 1 | $ 359,000 | $ 359,000 | $ 115,000 |
| Mille Lacs County Minnesota | 1 | $ 258,000 | $ 258,000 | $ 154,000 |
| Morrison County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 108,000 |
| St. Louis County Minnesota | 1 | $ 47,000 | $ 47,000 | $ 103,000 |
| Stearns County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 137,000 |
| Todd County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 113,000 |
| Waseca County Minnesota | 1 | $ 119,000 | $ 119,000 | $ 83,000 |
| Madison County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 111,000 |
| Jackson County Missouri | 1 | $ 222,000 | $ 222,000 | $ 72,000 |
| McDonald County Missouri | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Newton County Missouri | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| Pike County Missouri | 1 | $ 91,000 | $ 91,000 | $ 63,000 |
| St. Charles County Missouri | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Chouteau County Montana | 1 | $ 32,000 | $ 32,000 | $ 50,000 |
| Fergus County Montana | 1 | $ 94,000 | $ 94,000 | $ 23,000 |
| Gage County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 88,000 |
| Sarpy County Nebraska | 1 | $ 424,000 | $ 424,000 | $ 125,000 |
| Clark County Nevada | 1 | $ 80,000 | $ 80,000 | $ 124,000 |
| Mercer County New Jersey | 1 | $ 57,000 | $ 57,000 | $ 132,000 |
| Monmouth County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Valencia County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Nassau County New York | 1 | $ 131,000 | $ 131,000 | $ 84,000 |
| Buncombe County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
| Guilford County North Carolina | 1 | $ 261,000 | $ 261,000 | $ 118,000 |
| Cass County North Dakota | 1 | $ 220,000 | $ 220,000 | $ 225,000 |
| Athens County Ohio | 1 | $ 29,000 | $ 29,000 | $ 116,000 |
| Butler County Ohio | 1 | $ 234,000 | $ 234,000 | $ 88,000 |
| Hamilton County Ohio | 1 | $ 31,000 | $ 31,000 | $ 137,000 |
| Jackson County Ohio | 1 | $ 135,000 | $ 135,000 | $ 119,000 |
| Marion County Ohio | 1 | $ 140,000 | $ 140,000 | $ 154,000 |
| Morrow County Ohio | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| Ross County Ohio | 1 | $ 247,000 | $ 247,000 | $ 75,000 |
| Allegheny County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| Erie County Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 98,000 |
| Montgomery County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 114,000 |
| Schuylkill County Pennsylvania | 1 | $ 236,000 | $ 236,000 | $ 117,000 |
| Westmoreland County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Roberts County South Dakota | 1 | $ 153,000 | $ 153,000 | $ 108,000 |
| Bedford County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 62,000 |
| Washington County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 41,000 |
| Williamson County Tennessee | 1 | $ 269,000 | $ 269,000 | $ 108,000 |
| Parker County Texas | 1 | $ 129,000 | $ 129,000 | $ 55,000 |
| Arlington County Virginia | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| King County Washington | 1 | $ 188,000 | $ 188,000 | $ 165,000 |
| Dane County Wisconsin | 1 | $ 19,000 | $ 19,000 | $ 72,000 |
| Douglas County Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 20,000 |
| Racine County Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 104,000 |
| Sheboygan County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 99,000 |
| Waukesha County Wisconsin | 1 | $ 170,000 | $ 170,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Mill City Credit Union in 2009
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 | 313 | $51,844,000 | $165,000 | $424,000 | $105,000 | $400,000 |
| Home Purchase | 115 | $18,057,000 | $157,000 | $800,000 | $85,000 | $344,000 |
| Home Improvement | 46 | $1,282,000 | $27,000 | $95,000 | $106,000 | $245,000 |
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 | 292 | $47,373,000 | $162,000 | $800,000 | $98,000 | $400,000 |
| Not Provided | 126 | $13,815,000 | $109,000 | $417,000 | $104,000 | $357,000 |
| Asian | 18 | $3,446,000 | $191,000 | $417,000 | $126,000 | $280,000 |
| Hispanic | 18 | $3,245,000 | $180,000 | $379,000 | $80,000 | $173,000 |
| Black or African American | 17 | $2,750,000 | $161,000 | $385,000 | $102,000 | $225,000 |
| American Indian or Alaskan Native | 3 | $554,000 | $184,000 | $417,000 | $72,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 457 | $68,310,000 | $149,000 | $800,000 | $102,000 | $400,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,873,000 | $169,000 | $319,000 | $57,000 | $113,000 |
| 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 | 128 | $9,193,000 | $71,000 | $408,000 | $120,000 | $400,000 |
| Application Withdrawn By Applicant | 111 | $21,068,000 | $189,000 | $417,000 | $108,000 | $388,000 |
| File Closed For Incompleteness | 86 | $17,570,000 | $204,000 | $800,000 | $107,000 | $396,000 |
| Application Denied By Financial Institution | 83 | $13,324,000 | $160,000 | $417,000 | $71,000 | $187,000 |
| Preapproval Denied by Financial Institution | 40 | $5,313,000 | $132,000 | $320,000 | $59,000 | $121,000 |
| Application Approved But Not Accepted | 22 | $4,092,000 | $186,000 | $417,000 | $108,000 | $357,000 |
| Preapproval Approved but not Accepted | 4 | $623,000 | $155,000 | $315,000 | $73,000 | $103,000 |
| 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 | 71 | $8,865,000 | $124,000 | $320,000 | $64,000 | $154,000 |
| Debt-To-Income Ratio | 23 | $4,072,000 | $177,000 | $417,000 | $55,000 | $131,000 |
| Collateral | 9 | $1,892,000 | $210,000 | $359,000 | $96,000 | $187,000 |
| Other | 3 | $695,000 | $231,000 | $266,000 | $95,000 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $349,000 | $174,000 | $219,000 | $89,000 | $90,000 |
| Credit Application Incomplete | 1 | $240,000 | $240,000 | $240,000 | $66,000 | $66,000 |
| Employment History | 1 | $104,000 | $104,000 | $104,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mill City Credit Union's 2009 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.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.