Big Stone County, MN Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 152 mortgage applications in Big Stone County, MN totaling $15.7 million, down 32% from 2007. The average application was for $103,000, and applicants reported an average income of $62,000. 41% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank, NA, with 37 applications, followed by Nationwide Advantage Mortgage and Minnwest Mortgage Corporation.
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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 | 152 |
| Total Mortgage Loan Application Amount | $15,663,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $418,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 37 | $ 3,604,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 11 | $ 1,433,000 |
| Minnwest Mortgage Corporation 5324 EAST ARROWHEAD PKY, SUITE 102 SIOUX FALLS, SD 57110 |
* | $ 1,466,015,000 | 10 | $ 1,393,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 774,440,000 | 10 | $ 1,559,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 10 | $ 1,132,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,222,682,000 | 5 | $ 161,000 |
| Star Bank PO BOX 188 BERTHA, MN 56437 |
* | $ 108,483,000 | 5 | $ 353,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 670,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 333,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 4 | $ 204,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 127,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 3 | $ 466,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 3 | $ 240,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 141,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 75,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 86,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 166,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 2 | $ 188,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 2 | $ 190,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 2 | $ 146,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 3,507,967,000 | 2 | $ 136,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Minnwest Bank Sioux Falls 5001 S LOUISE AVE SIOUX FALLS, SD 57108 |
* | $ 90,808,000 | 1 | $ 108,000 |
| Riverwood Bank 14091 BAXTER DR #117 BAXTER, MN 56425 |
* | $ 167,997,000 | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 38,000 |
| Bankunited, FSB 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 14,415,594,000 | 1 | $ 87,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 14,762,983,000 | 1 | $ 196,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 110,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 1 | $ 190,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 196,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 232,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 55,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 86,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 695,255,000 | 1 | $ 180,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,144,512,000 | 1 | $ 350,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 1 | $ 32,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 1 | $ 196,000 |
| Citizens Bancshares of Woodville, Inc. 375 STAGELINE RD PO BOX 247 HUDSON, WI 54016 |
* | $ 200,155,000 | 1 | $ 90,000 |
| Freeport State Bank 111 MAIN ST E FREEPORT, MN 56331 |
* | $ 72,681,000 | 1 | $ 113,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 77,000 |
| Kleinbank 301 CHESTNUT ST CHASKA, MN 55318 |
* | $ 1,369,423,000 | 1 | $ 86,000 |
The tables below break down 2008 mortgage applications in Big Stone 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 Big Stone County, MN in 2008
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 | 84 | $9,042,000 | $107,000 | $240,000 | $60,000 | $217,000 |
| Home Purchase | 52 | $6,064,000 | $116,000 | $350,000 | $70,000 | $418,000 |
| Home Improvement | 16 | $557,000 | $34,000 | $86,000 | $51,000 | $92,000 |
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 | 136 | $13,990,000 | $102,000 | $350,000 | $66,000 | $418,000 |
| Not applicable | 11 | $1,147,000 | $104,000 | $240,000 | $29,000 | $103,000 |
| Not Provided | 5 | $526,000 | $105,000 | $190,000 | $41,000 | $57,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 127 | $13,110,000 | $103,000 | $350,000 | $64,000 | $418,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,878,000 | $98,000 | $267,000 | $55,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $226,000 | $75,000 | $111,000 | $33,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 3 | $449,000 | $149,000 | $153,000 | $49,000 | $57,000 |
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 | 62 | $6,670,000 | $107,000 | $350,000 | $71,000 | $418,000 |
| Application Denied By Financial Institution | 30 | $2,241,000 | $74,000 | $261,000 | $47,000 | $90,000 |
| Loan Purchased By The Institution | 28 | $3,345,000 | $119,000 | $267,000 | $64,000 | $199,000 |
| Application Withdrawn By Applicant | 18 | $1,432,000 | $79,000 | $208,000 | $54,000 | $164,000 |
| Application Approved But Not Accepted | 14 | $1,975,000 | $141,000 | $207,000 | $63,000 | $139,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $979,000 | $108,000 | $261,000 | $58,000 | $89,000 |
| Credit History | 4 | $114,000 | $28,000 | $56,000 | $39,000 | $90,000 |
| Debt-To-Income Ratio | 2 | $103,000 | $51,000 | $92,000 | $43,000 | $66,000 |
| Employment History | 1 | $87,000 | $87,000 | $87,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $196,000 | $196,000 | $196,000 | $53,000 | $53,000 |
| 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 |
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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