Inter Savings Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004

Inter Savings Bank, Fsb 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 Inter Savings Bank, Fsb
13601 80Th Circle N
Maple Grove, MN 55369
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,559
Total Mortgage Loan Application Amount $291,089,000
Average Mortgage Loan Application Amount $159,300
Highest Mortgage Loan Application Amount $4,000,000
Average Applicant Income $100,600
Highest Applicant Income $1,981,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Inter Savings Bank, Fsb. 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 Inter Savings Bank, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2004 breaks down Inter Savings Bank, Fsb'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 Inter Savings Bank, Fsb serves its applicants.

Each category highlights the total number of mortgage applications processed by Inter Savings Bank, Fsb, 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 Inter Savings Bank, Fsb's mortgage activity for 2004.

Mortgage Loan Application Totals for Inter Savings Bank, Fsb by Metropolitan Area in 2004

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1,492 $ 281,887,000 $ 188,000 $ 78,000
ROCHESTER, MN 4 $ 502,000 $ 125,000 $ 48,000
ST. CLOUD, MN 4 $ 534,000 $ 133,000 $ 29,000
DULUTH, MN-WI 2 $ 254,000 $ 127,000 $ 25,000
CAPE CORAL-FORT MYERS, FL 1 $ 123,000 $ 123,000 $ 120,000
FARGO, ND-MN 1 $ 128,000 $ 128,000 $ 82,000
SAN ANTONIO, TX 1 $ 80,000 $ 80,000 $ 28,000
SARASOTA-BRADENTON-VENICE, FL 1 $ 334,000 $ 334,000 $ 300,000

Mortgage Loan Application Detail Totals for Inter Savings Bank, Fsb 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
Home Purchase 1,364 $251,685,000 $158,000 $4,000,000 $75,333 $1,981,000
Refinancing 189 $39,102,000 $198,333 $2,415,000 $157,666 $662,000
Home Improvement 6 $302,000 $50,000 $195,000 $81,000 $177,000

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
Hispanic 784 $139,957,000 $211,333 $607,000 $56,666 $317,000
White 558 $93,292,000 $151,200 $784,000 $102,800 $1,981,000
Not Provided 73 $15,014,000 $205,000 $900,000 $103,000 $600,000
Black or African American 73 $12,744,000 $174,000 $371,000 $68,000 $157,000
Asian 42 $6,351,000 $151,000 $291,000 $66,000 $282,000
Not applicable 14 $21,141,000 $1,510,000 $4,000,000 $0 $0
American Indian or Alaskan Native 12 $2,152,000 $179,000 $480,000 $36,000 $51,000
Native Hawaiian or Other Pacific Islander 3 $438,000 $146,000 $185,000 $55,000 $93,000

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) 1,559 $291,089,000 $168,500 $4,000,000 $90,333 $1,981,000
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 Purchased By The Institution 1,284 $227,647,000 $165,500 $784,000 $57,500 $1,981,000
Loan Originated 206 $47,238,000 $168,800 $4,000,000 $110,600 $1,473,000
Application Approved But Not Accepted 49 $10,620,000 $220,500 $750,000 $76,500 $408,000
Application Denied By Financial Institution 16 $4,730,000 $295,000 $1,500,000 $107,000 $600,000
Application Withdrawn By Applicant 4 $854,000 $213,000 $394,000 $102,000 $190,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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 7 $962,000 $137,000 $214,000 $55,000 $116,000
Debt-To-Income Ratio 4 $2,549,000 $637,000 $1,500,000 $0 $0
Collateral 4 $1,065,000 $266,000 $517,000 $308,000 $600,000
Insufficient Cash (Downpayment, Closing Cost) 1 $154,000 $154,000 $154,000 $40,000 $40,000
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
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Inter Savings Bank, Fsb'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 Inter Savings Bank, Fsb'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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