Clearwater County, MN Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 252 mortgage applications in Clearwater County, MN totaling $25.9 million, about the same as 2010. The average application was for $102,000, and applicants reported an average income of $61,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Affinity Plus Federal Credit Union, with 68 applications, followed by Wells Fargo Bank NA and The First National Bank of Bagley.
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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 | 252 |
| Total Mortgage Loan Application Amount | $25,911,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $375,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,303,401,000 | 68 | $ 7,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 49 | $ 5,591,000 |
| The First National Bank of Bagley PO BOX N, 31 CENTRAL STREET E BAGLEY, MN 56621 |
* | $ 74,641,000 | 37 | $ 2,790,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 15 | $ 1,471,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 8 | $ 987,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 513,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ 100,276,000 | 5 | $ 358,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 497,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 485,068,000 | 3 | $ 445,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 152,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 3 | $ 402,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 433,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 401,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 828,468,000 | 3 | $ 306,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 412,332,000 | 3 | $ 311,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 181,000 |
| Citizens Community Federal 2174 EASTRIDGE CENTER EAU CLAIRE, WI 54701 |
* | $ 580,338,000 | 2 | $ 209,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 300,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 104,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 52,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 215,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 200,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 60,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 73,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 83,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,112,179,000 | 1 | $ 122,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 100,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 3,862,039,000 | 1 | $ 69,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 122,000 |
| Kleinbank 301 CHESTNUT ST CHASKA, MN 55318 |
* | $ 1,495,846,000 | 1 | $ 133,000 |
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 71,302,000 | 1 | $ 36,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 263,047,000 | 1 | $ 162,000 |
| The Riverbank 26777 FALLBROCK AVE PO BOX 97 WYOMING, MN 55092 |
* | $ 425,154,000 | 1 | $ 47,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,071,664,000 | 1 | $ 182,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 2,412,920,000 | 1 | $ 29,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 124,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 180,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 200,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 1 | $ 104,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,813,152,000 | 1 | $ 100,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,064,456,000 | 1 | $ 68,000 |
| Anoka Hennepin Credit Union 3505 NORTHDALE BLVD COON RAPIDS, MN 55448 |
* | $ 151,776,000 | 1 | $ 127,000 |
The tables below break down 2011 mortgage applications in Clearwater 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 Clearwater County, MN in 2011
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 | 168 | $19,420,000 | $115,000 | $405,000 | $66,000 | $375,000 |
| Home Purchase | 58 | $5,268,000 | $90,000 | $233,000 | $51,000 | $120,000 |
| Home Improvement | 26 | $1,223,000 | $47,000 | $125,000 | $50,000 | $126,000 |
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 | 217 | $22,426,000 | $103,000 | $405,000 | $64,000 | $264,000 |
| Not applicable | 14 | $1,292,000 | $92,000 | $245,000 | $0 | $0 |
| Not Provided | 13 | $1,597,000 | $122,000 | $215,000 | $57,000 | $120,000 |
| American Indian or Alaskan Native | 4 | $121,000 | $30,000 | $77,000 | $64,000 | $98,000 |
| Asian | 2 | $324,000 | $162,000 | $219,000 | $201,000 | $375,000 |
| Hispanic | 1 | $104,000 | $104,000 | $104,000 | $78,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $47,000 | $47,000 | $47,000 | $15,000 | $15,000 |
| Black or African American | 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) | 207 | $20,965,000 | $101,000 | $405,000 | $67,000 | $375,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,177,000 | $117,000 | $245,000 | $42,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,106,000 | $110,000 | $160,000 | $27,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $663,000 | $82,000 | $140,000 | $16,000 | $46,000 |
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 | 152 | $15,693,000 | $103,000 | $405,000 | $68,000 | $375,000 |
| Application Denied By Financial Institution | 40 | $3,360,000 | $84,000 | $312,000 | $46,000 | $120,000 |
| Application Withdrawn By Applicant | 22 | $2,156,000 | $98,000 | $190,000 | $58,000 | $172,000 |
| Application Approved But Not Accepted | 21 | $2,690,000 | $128,000 | $284,000 | $80,000 | $174,000 |
| Loan Purchased By The Institution | 16 | $1,895,000 | $118,000 | $245,000 | $10,000 | $43,000 |
| File Closed For Incompleteness | 1 | $117,000 | $117,000 | $117,000 | $75,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $335,000 | $37,000 | $183,000 | $44,000 | $120,000 |
| Collateral | 8 | $947,000 | $118,000 | $312,000 | $61,000 | $88,000 |
| Other | 4 | $380,000 | $95,000 | $136,000 | $47,000 | $101,000 |
| Debt-To-Income Ratio | 4 | $349,000 | $87,000 | $126,000 | $14,000 | $37,000 |
| Credit Application Incomplete | 3 | $402,000 | $134,000 | $200,000 | $46,000 | $78,000 |
| Employment History | 1 | $111,000 | $111,000 | $111,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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