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