Carlton County, MN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,505 mortgage applications in Carlton County, MN totaling $315.1 million, up 15% from 2024. The average application was for $209,000, and applicants reported an average income of $112,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was Members Cooperative Credit Union, with 166 applications, followed by Northwoods Credit Union 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 | 1,505 |
| Total Mortgage Loan Application Amount | $315,105,000 |
| Average Mortgage Loan Application Amount | $209,000 |
| Highest Mortgage Loan Application Amount | $3,015,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $1,281,000 |
* 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 |
|---|---|---|---|---|
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ n/a | 166 | $ 22,820,000 |
| Northwoods Credit Union 1702 AVE B CLOQUET, MN 55720 |
* | $ n/a | 120 | $ 12,420,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 78 | $ 15,140,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ n/a | 56 | $ 15,480,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ n/a | 53 | $ 11,325,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 47 | $ 9,725,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 39 | $ 5,825,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 39 | $ 10,855,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 38 | $ 10,900,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 35 | $ 8,095,000 |
| Centricity Credit Union 4477 LAVAQUE RD DULUTH, MN 55811 |
* | $ n/a | 33 | $ 4,035,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 28 | $ 6,710,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 26 | $ 7,600,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 26 | $ 7,800,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 26 | $ 6,030,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 25 | $ 6,585,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 22 | $ 4,750,000 |
| Harbor Pointe Credit Union PO BOX 161558 DULUTH, MN 55802 |
* | $ n/a | 21 | $ 4,035,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 20 | $ 4,270,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 19 | $ 4,265,000 |
| North Shore Federal Credit Union 85 OUTER DR SILVER BAY, MN 55614 |
* | $ n/a | 19 | $ 4,065,000 |
| Fnb Moose Lake 400 ELM AVENUE PO BOX 429 MOOSE LAKE, MN 55767 |
* | $ n/a | 17 | $ 4,075,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 16 | $ 2,600,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 16 | $ 1,880,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 15 | $ 3,735,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 14 | $ 3,130,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ n/a | 13 | $ 4,775,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 13 | $ 2,935,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 13 | $ 4,015,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 12 | $ 530,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 3,355,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 11 | $ 3,555,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ n/a | 11 | $ 4,415,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 11 | $ 1,185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 10 | $ 3,280,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 10 | $ 1,860,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 10 | $ 990,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ n/a | 9 | $ 915,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 9 | $ 1,185,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 8 | $ 1,820,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 1,260,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 1,625,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 7 | $ 1,855,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 7 | $ 1,855,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,515,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 6 | $ 280,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 6 | $ 1,050,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 6 | $ 1,500,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ n/a | 6 | $ 1,330,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ n/a | 6 | $ 860,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 920,000 |
| Park State Bank 2630 WEST SUPERIOR STREET DULUTH, MN 55806 |
* | $ n/a | 6 | $ 1,620,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 1,705,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 5 | $ 1,045,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 4 | $ 2,930,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 4 | $ 540,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 4 | $ 1,100,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 1,410,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 4 | $ 1,060,000 |
| Citizens State Bank 375 STAGELINE RD HUDSON, WI 54016 |
* | $ n/a | 4 | $ 550,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 280,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 4 | $ 1,520,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 710,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 1,250,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 920,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 1,210,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 4 | $ 360,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ n/a | 3 | $ 795,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 3 | $ 875,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 3 | $ 1,225,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 3 | $ 555,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 335,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 3 | $ 615,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 1,385,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 3 | $ 855,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 725,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 3 | $ 745,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ n/a | 3 | $ 965,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 2 | $ 270,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 2 | $ 350,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ n/a | 2 | $ 50,000 |
| Minnco Credit Union 235 WEST 1ST AVENUE CAMBRIDGE, MN 55008 |
* | $ n/a | 2 | $ 180,000 |
| Bridgewater Bank 4450 EXCELSIOR BOULEVARD ST. LOUIS PARK, MN 55416 |
* | $ n/a | 2 | $ 5,240,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 670,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 390,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ n/a | 2 | $ 90,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 180,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 510,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 550,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 2 | $ 570,000 |
| United Trust Bank 12330 S. HARLEM AVENUE PALOS HEIGHTS, IL 60463 |
* | $ n/a | 2 | $ 860,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 260,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 470,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 500,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 260,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 260,000 |
| St Paul Federal Credit Union 1330 CONWAY ST, STE 200 SAINT PAUL, MN 55106 |
* | $ n/a | 1 | $ 195,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 255,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 445,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 385,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 135,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ n/a | 1 | $ 245,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ n/a | 1 | $ 425,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ n/a | 1 | $ 525,000 |
| Mpecu 30 W SUPERIOR ST. STE. 126 DULUTH, MN 55802 |
* | $ n/a | 1 | $ 325,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ n/a | 1 | $ 185,000 |
| The First National Bank of River Falls 104 EAST LOCUST STREET RIVER FALLS, WI 54022 |
* | $ n/a | 1 | $ 115,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 275,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 485,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 255,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 275,000 |
| Americhoice Federal Credit Union 2175 BUMBLE BEE HOLLOW ROAD MECHANICSBURG, PA 17055 |
* | $ n/a | 1 | $ 125,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ n/a | 1 | $ 565,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 415,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 335,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 235,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 195,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 415,000 |
| First National Bank of Le Center 10 W. MINNESOTA ST LE CENTER, MN 56057 |
* | $ n/a | 1 | $ 255,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 145,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 255,000 |
| The State Bank of Faribault 428 CENTRAL AVE N FARIBAULT, MN 55021 |
* | $ n/a | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 135,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 215,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ n/a | 1 | $ 355,000 |
| Aaa Capital Investment, Inc 41 E LIVE OAK AVE ARCADIA, CA 91006 |
* | $ n/a | 1 | $ 285,000 |
| Bankwest 5921 MAIN ST ROCKFORD, MN 55313 |
* | $ n/a | 1 | $ 265,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ n/a | 1 | $ 125,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 435,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 295,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 95,000 |
| Community Resource Bank 1605 HERITAGE DRIVE NORTHFIELD, MN 55057 |
* | $ n/a | 1 | $ 35,000 |
| Smw Financial Credit Union 700 APOLLO DRIVE LINO LAKES, MN 55014 |
* | $ n/a | 1 | $ 125,000 |
| Building Trades Federal Credit Union 12080 73RD AVENUE NORTH OSSEO, MN 55369 |
* | $ n/a | 1 | $ 25,000 |
| Americu Credit Union 1916 BLACK RIVER BLVD. ROME, NY 13440 |
* | $ n/a | 1 | $ 105,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ n/a | 1 | $ 85,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ n/a | 1 | $ 705,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 435,000 |
| Superior Savings Bank 1130 TOWER AVE SUPERIOR, WI 54880 |
* | $ n/a | 1 | $ 345,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 185,000 |
| New Market Bank 101 OLD TOWN RD ELKO NEW MARKET, MN 55054 |
* | $ n/a | 1 | $ 295,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 265,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 195,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 1 | $ 135,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 1 | $ 345,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ n/a | 1 | $ 235,000 |
| Liberty Bank Minnesota 111 7TH AVE S ST CLOUD, MN 56301 |
* | $ n/a | 1 | $ 295,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 425,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ n/a | 1 | $ 55,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 415,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 1 | $ 375,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 205,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 175,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 1 | $ 195,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 1 | $ 345,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 515,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 325,000 |
| Saygo Home Loans, LLC 8155 E INDIAN BEND RD, STE 107 SCOTTSDALE, AZ 85250 |
* | $ n/a | 1 | $ 435,000 |
The tables below break down 2025 mortgage applications in Carlton 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 Carlton County, MN in 2025
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 | 685 | $181,965,000 | $265,000 | $3,015,000 | $115,000 | $827,000 |
| Cash-out Refinancing | 311 | $65,665,000 | $211,000 | $1,155,000 | $110,000 | $840,000 |
| Home Improvement | 174 | $14,980,000 | $86,000 | $2,305,000 | $104,000 | $402,000 |
| Refinancing | 169 | $39,195,000 | $231,000 | $615,000 | $116,000 | $463,000 |
| Other Purpose | 164 | $13,030,000 | $79,000 | $405,000 | $110,000 | $1,281,000 |
| Not Applicable | 2 | $270,000 | $135,000 | $175,000 | $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 | 1,201 | $235,755,000 | $196,000 | $1,155,000 | $111,000 | $840,000 |
| Not applicable | 124 | $40,450,000 | $326,000 | $3,015,000 | $132,000 | $227,000 |
| Not Provided | 117 | $25,295,000 | $216,000 | $1,055,000 | $113,000 | $306,000 |
| American Indian or Alaskan Native | 35 | $7,185,000 | $205,000 | $525,000 | $92,000 | $223,000 |
| Hispanic | 13 | $3,465,000 | $266,000 | $615,000 | $148,000 | $353,000 |
| Asian | 7 | $1,695,000 | $242,000 | $335,000 | $312,000 | $1,281,000 |
| Black or African American | 5 | $855,000 | $171,000 | $265,000 | $98,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $235,000 | $235,000 | $235,000 | $61,000 | $61,000 |
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) | 1,205 | $228,535,000 | $189,000 | $3,015,000 | $114,000 | $1,281,000 |
| VA-guaranteed (Veterans Administration) | 159 | $52,605,000 | $330,000 | $1,155,000 | $110,000 | $330,000 |
| FHA-insured (Federal Housing Administration) | 133 | $32,415,000 | $243,000 | $525,000 | $98,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,550,000 | $193,000 | $225,000 | $77,000 | $90,000 |
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 | 912 | $188,740,000 | $206,000 | $2,305,000 | $115,000 | $827,000 |
| Application Denied By Financial Institution | 186 | $28,730,000 | $154,000 | $805,000 | $95,000 | $1,281,000 |
| Application Withdrawn By Applicant | 155 | $38,205,000 | $246,000 | $3,015,000 | $117,000 | $589,000 |
| Loan Purchased By The Institution | 136 | $36,810,000 | $270,000 | $1,155,000 | $118,000 | $353,000 |
| File Closed For Incompleteness | 66 | $13,670,000 | $207,000 | $525,000 | $114,000 | $840,000 |
| Application Approved But Not Accepted | 50 | $8,950,000 | $179,000 | $585,000 | $108,000 | $402,000 |
| 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 | 1,222 | $263,290,000 | $215,000 | $2,305,000 | $113,000 | $840,000 |
| Debt-To-Income Ratio | 161 | $33,235,000 | $206,000 | $3,015,000 | $108,000 | $827,000 |
| Collateral | 44 | $5,730,000 | $130,000 | $395,000 | $128,000 | $1,281,000 |
| Credit History | 39 | $6,215,000 | $159,000 | $435,000 | $102,000 | $208,000 |
| Other | 17 | $3,085,000 | $181,000 | $445,000 | $98,000 | $158,000 |
| Credit Application Incomplete | 11 | $1,285,000 | $116,000 | $305,000 | $71,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,335,000 | $267,000 | $365,000 | $99,000 | $119,000 |
| Unverifiable Information | 4 | $630,000 | $157,000 | $355,000 | $178,000 | $330,000 |
| Employment History | 2 | $300,000 | $150,000 | $225,000 | $64,000 | $93,000 |
| 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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