Clearwater County, MN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 249 mortgage applications in Clearwater County, MN totaling $31.4 million, up 21% from 2018. The average application was for $126,000, and applicants reported an average income of $74,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Affinity Plus Federal Credit Union, with 68 applications, followed by Border Bank and Wells Fargo Bank NA.
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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 | 249 |
| Total Mortgage Loan Application Amount | $31,405,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $745,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $636,000 |
* 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 |
|---|---|---|---|---|
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 68 | $ 7,690,000 |
| Border Bank 133 MAIN STREET N GREENBUSH, MN 56726 |
* | $ 593,663,000 | 21 | $ 2,075,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 20 | $ 1,670,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 418,278,000 | 20 | $ 2,300,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 15 | $ 1,575,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 611,574,000 | 9 | $ 1,525,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 5 | $ 565,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,231,157,000 | 5 | $ 935,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 460,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 450,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 515,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 713,817,000 | 3 | $ 405,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 605,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 495,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ 176,649,000 | 3 | $ 445,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 445,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 466,891,000 | 2 | $ 310,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 260,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 410,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 390,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,111,480,000 | 2 | $ 270,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 1,097,329,000 | 2 | $ 310,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 120,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 340,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 175,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 35,000 |
| Western National Bank PO BOX 16050 DULUTH, MN 55816 |
* | $ 109,769,000 | 1 | $ 75,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 195,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 55,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 215,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 125,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 155,000 |
| Minnco Credit Union 235 WEST 1ST AVENUE CAMBRIDGE, MN 55008 |
* | $ 303,037,000 | 1 | $ 135,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 255,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 125,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 1 | $ 205,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 85,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 105,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 291,797,000 | 1 | $ 745,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 1 | $ 115,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 407,529,000 | 1 | $ 115,000 |
| T & C Real Estate Services LLC 615 S BROADWAY MINOT, ND 58701 |
* | $ -1,000 | 1 | $ 215,000 |
| Falcon National Bank 183 CEDAR DRIVE FOLEY, MN 56329 |
* | $ 472,539,000 | 1 | $ 55,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 135,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 434,815,000 | 1 | $ 375,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 55,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 125,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 135,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 215,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,706,892,000 | 1 | $ 85,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2019 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 2019
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 | 121 | $15,905,000 | $131,000 | $745,000 | $71,000 | $290,000 |
| Cash-out Refinancing | 58 | $7,540,000 | $130,000 | $375,000 | $72,000 | $636,000 |
| Refinancing | 43 | $6,645,000 | $154,000 | $375,000 | $79,000 | $205,000 |
| Other Purpose | 13 | $525,000 | $40,000 | $75,000 | $83,000 | $253,000 |
| Home Improvement | 13 | $745,000 | $57,000 | $135,000 | $80,000 | $141,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 200 | $24,050,000 | $120,000 | $375,000 | $75,000 | $636,000 |
| Not applicable | 23 | $3,635,000 | $158,000 | $745,000 | $51,000 | $68,000 |
| Not Provided | 15 | $1,985,000 | $132,000 | $215,000 | $69,000 | $139,000 |
| American Indian or Alaskan Native | 8 | $1,380,000 | $172,000 | $275,000 | $61,000 | $110,000 |
| Hispanic | 3 | $355,000 | $118,000 | $175,000 | $53,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 199 | $23,545,000 | $118,000 | $745,000 | $77,000 | $636,000 |
| VA-guaranteed (Veterans Administration) | 25 | $4,225,000 | $169,000 | $375,000 | $50,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,885,000 | $151,000 | $255,000 | $67,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $750,000 | $125,000 | $185,000 | $40,000 | $58,000 |
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 | 135 | $17,585,000 | $130,000 | $745,000 | $75,000 | $290,000 |
| Application Denied By Financial Institution | 51 | $5,735,000 | $112,000 | $375,000 | $58,000 | $155,000 |
| Application Withdrawn By Applicant | 36 | $4,190,000 | $116,000 | $375,000 | $97,000 | $636,000 |
| Loan Purchased By The Institution | 20 | $2,860,000 | $143,000 | $275,000 | $53,000 | $68,000 |
| File Closed For Incompleteness | 7 | $1,035,000 | $147,000 | $305,000 | $52,000 | $132,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 161 | $20,575,000 | $127,000 | $745,000 | $78,000 | $636,000 |
| Debt-To-Income Ratio | 52 | $6,440,000 | $123,000 | $375,000 | $68,000 | $253,000 |
| Credit History | 21 | $1,845,000 | $87,000 | $285,000 | $54,000 | $155,000 |
| Collateral | 9 | $1,725,000 | $191,000 | $375,000 | $86,000 | $127,000 |
| Credit Application Incomplete | 4 | $570,000 | $142,000 | $215,000 | $71,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $250,000 | $125,000 | $145,000 | $67,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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