Becker County, MN Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,496 mortgage applications in Becker County, MN totaling $391.2 million, down 46% from 2021. The average application was for $261,000, and applicants reported an average income of $147,000. 64% of applications resulted in an originated loan and 10% were denied. The most active lender was Bell Bank, with 190 applications, followed by United Wholesale Mortgage and US Bank, N.A..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,496 |
| Total Mortgage Loan Application Amount | $391,190,000 |
| Average Mortgage Loan Application Amount | $261,000 |
| Highest Mortgage Loan Application Amount | $7,505,000 |
| Average Applicant Income | $147,000 |
| Highest Applicant Income | $2,374,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 190 | $ 47,110,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 130 | $ 35,000,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 129 | $ 32,255,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 16,499,164,000 | 121 | $ 33,775,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 700,095,000 | 118 | $ 27,920,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,168,170,000 | 59 | $ 18,755,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 50 | $ 11,110,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 41 | $ 11,835,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 25 | $ 8,445,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 692,597,000 | 19 | $ 3,985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 4,520,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 17 | $ 3,605,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 3,746,301,000 | 17 | $ 1,485,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 1,185,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 17 | $ 4,085,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 3,780,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,671,091,000 | 13 | $ 1,395,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,965,063,000 | 13 | $ 4,005,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 3,979,767,000 | 12 | $ 2,520,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,060,912,000 | 12 | $ 4,170,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 1,639,292,000 | 12 | $ 3,270,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 386,972,000 | 12 | $ 3,170,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 3,095,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 637,988,000 | 11 | $ 4,005,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 11 | $ 2,835,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 2,540,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 10 | $ 2,420,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 2,100,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 9 | $ 2,545,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,415,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 3,390,640,000 | 9 | $ 1,775,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 9 | $ 665,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 8 | $ 1,850,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 1,480,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 3,167,797,000 | 8 | $ 5,100,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,555,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 7 | $ 1,615,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 439,943,000 | 7 | $ 1,805,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 1,895,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 7 | $ 1,055,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 1,380,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 6 | $ 2,060,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 109,857,000 | 6 | $ 1,480,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 6 | $ 1,450,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 220,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 5 | $ 785,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 5 | $ 795,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 5 | $ 1,385,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 5 | $ 935,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 1,185,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 1,405,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 685,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 274,174,000 | 5 | $ 715,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 873,139,000 | 5 | $ 1,955,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 1,062,979,000 | 5 | $ 965,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 5 | $ 3,085,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 5 | $ 1,025,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 1,310,231,000 | 4 | $ 770,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 4 | $ 1,440,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 2,730,710,000 | 4 | $ 610,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 4 | $ 590,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 1,703,317,000 | 4 | $ 8,850,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 4 | $ 1,760,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 505,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 3 | $ 415,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 3 | $ 655,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 3 | $ 1,065,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 684,318,000 | 3 | $ 1,555,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 3 | $ 705,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 3 | $ 2,045,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 7,846,662,000 | 3 | $ 405,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 3 | $ 255,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 3 | $ 1,755,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 2 | $ 460,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 490,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 1,270,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 540,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 2 | $ 420,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 450,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 2 | $ 560,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 50,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 420,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 510,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 380,000 |
| Generations Bank 1325 HWY 278 BYPASS ROGERS, AR 72758 |
* | $ 706,263,000 | 2 | $ 1,290,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,046,578,000 | 2 | $ 610,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 651,106,000 | 2 | $ 70,000 |
| Cake Mortgage Corp. 9200 OAKDALE AVE STE 501 CHATSWORTH, CA 91311 |
* | $ -1,000 | 2 | $ 530,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 660,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 430,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ -1,000 | 2 | $ 760,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 290,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 260,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 2 | $ 450,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,755,068,000 | 2 | $ 920,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,059,403,000 | 2 | $ 640,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 427,149,000 | 2 | $ 1,040,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ -1,000 | 2 | $ 160,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 2 | $ 690,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 1 | $ 185,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 1,355,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 305,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,713,957,000 | 1 | $ 215,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 1 | $ 445,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 535,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 205,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,965,700,000 | 1 | $ 265,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 1 | $ 275,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 586,804,000 | 1 | $ 735,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 2,704,195,000 | 1 | $ 225,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 265,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 175,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 508,770,000 | 1 | $ 445,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 115,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 645,000 |
| Premier America Credit Union 19867 PRAIRIE STREET CHATSWORTH, CA 91311 |
* | $ 3,406,744,000 | 1 | $ 345,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 121,064,212,000 | 1 | $ 595,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 35,057,609,000 | 1 | $ 685,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 345,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 485,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 115,000 |
| Desert Financial Credit Union 148 N. 48TH ST. PHOENIX, AZ 85034 |
* | $ 8,206,373,000 | 1 | $ 405,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 185,000 |
| Unity Bank 207 W LINCOLN ST AUGUSTA, WI 54722 |
* | $ 593,196,000 | 1 | $ 505,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 345,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 1 | $ 255,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 1,064,401,000 | 1 | $ 235,000 |
| Citizens Alliance Bank 55 NW 1ST ST NW PO BOX 430 CLARA CITY, MN 56222 |
* | $ 1,056,226,000 | 1 | $ 605,000 |
| American Heritage National Bank 24 2ND ST S LONG PRAIRIE, MN 56347 |
* | $ 549,579,000 | 1 | $ 585,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 255,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 350,967,000 | 1 | $ 535,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,253,278,000 | 1 | $ 655,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 1,948,614,000 | 1 | $ 225,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,068,836,000 | 1 | $ 355,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 308,803,000 | 1 | $ 295,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 155,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 1 | $ 155,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 2,697,669,000 | 1 | $ 225,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 93,227,302,000 | 1 | $ 305,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 295,000 |
The tables below break down 2022 mortgage applications in Becker County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Becker County, MN in 2022
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 | 679 | $210,865,000 | $310,000 | $2,005,000 | $170,000 | $2,374,000 |
| Cash-out Refinancing | 280 | $69,410,000 | $247,000 | $3,305,000 | $103,000 | $916,000 |
| Refinancing | 271 | $77,835,000 | $287,000 | $7,505,000 | $132,000 | $1,013,000 |
| Other Purpose | 137 | $18,955,000 | $138,000 | $1,755,000 | $152,000 | $1,246,000 |
| Home Improvement | 125 | $13,815,000 | $110,000 | $665,000 | $157,000 | $1,365,000 |
| Not Applicable | 4 | $310,000 | $77,000 | $135,000 | $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 | 1,047 | $265,515,000 | $253,000 | $3,305,000 | $147,000 | $2,374,000 |
| Not Provided | 201 | $45,155,000 | $224,000 | $1,625,000 | $160,000 | $1,242,000 |
| Not applicable | 195 | $68,385,000 | $350,000 | $7,505,000 | $64,000 | $71,000 |
| American Indian or Alaskan Native | 33 | $7,055,000 | $213,000 | $545,000 | $100,000 | $361,000 |
| Hispanic | 12 | $2,690,000 | $224,000 | $555,000 | $75,000 | $243,000 |
| Asian | 5 | $1,875,000 | $375,000 | $885,000 | $194,000 | $428,000 |
| Black or African American | 3 | $515,000 | $171,000 | $205,000 | $115,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,276 | $338,430,000 | $265,000 | $7,505,000 | $158,000 | $2,374,000 |
| FHA-insured (Federal Housing Administration) | 111 | $21,765,000 | $196,000 | $365,000 | $76,000 | $480,000 |
| VA-guaranteed (Veterans Administration) | 91 | $27,835,000 | $305,000 | $705,000 | $82,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,160,000 | $175,000 | $245,000 | $59,000 | $85,000 |
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 | 961 | $260,615,000 | $271,000 | $7,505,000 | $165,000 | $2,374,000 |
| Application Withdrawn By Applicant | 172 | $45,010,000 | $261,000 | $3,305,000 | $130,000 | $1,200,000 |
| Application Denied By Financial Institution | 156 | $27,990,000 | $179,000 | $1,005,000 | $90,000 | $1,106,000 |
| Loan Purchased By The Institution | 140 | $37,570,000 | $268,000 | $865,000 | $85,000 | $157,000 |
| File Closed For Incompleteness | 50 | $9,610,000 | $192,000 | $515,000 | $92,000 | $589,000 |
| Application Approved But Not Accepted | 17 | $10,395,000 | $611,000 | $7,505,000 | $90,000 | $188,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,220 | $332,540,000 | $272,000 | $7,505,000 | $151,000 | $2,335,000 |
| Debt-To-Income Ratio | 172 | $40,750,000 | $236,000 | $1,965,000 | $146,000 | $2,374,000 |
| Credit History | 37 | $6,095,000 | $164,000 | $735,000 | $91,000 | $300,000 |
| Collateral | 35 | $5,075,000 | $145,000 | $405,000 | $93,000 | $350,000 |
| Credit Application Incomplete | 12 | $3,250,000 | $270,000 | $1,005,000 | $197,000 | $1,106,000 |
| Other | 10 | $1,730,000 | $173,000 | $335,000 | $123,000 | $301,000 |
| Unverifiable Information | 5 | $855,000 | $171,000 | $255,000 | $90,000 | $236,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $585,000 | $195,000 | $215,000 | $74,000 | $108,000 |
| Employment History | 2 | $310,000 | $155,000 | $265,000 | $22,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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