Clearwater County, MN Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 308 mortgage applications in Clearwater County, MN totaling $43.5 million, up 24% from 2019. The average application was for $141,000, and applicants reported an average income of $76,000. 59% of applications resulted in an originated loan and 13% were denied. The most active lender was Affinity Plus Federal Credit Union, with 69 applications, followed by Riverwood Bank and Wells Fargo Bank NA.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Minnesota.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 308 |
| Total Mortgage Loan Application Amount | $43,480,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $283,000 |
* 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 |
* | $ 2,399,512,000 | 69 | $ 6,645,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 445,320,000 | 22 | $ 2,690,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 22 | $ 3,220,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 717,012,000 | 18 | $ 3,350,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 628,546,000 | 17 | $ 3,555,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 14 | $ 2,450,000 |
| Border Bank 133 MAIN STREET N GREENBUSH, MN 56726 |
* | $ 632,848,000 | 12 | $ 1,590,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 719,021,000 | 12 | $ 1,760,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,655,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 6 | $ 570,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 745,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 735,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 395,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 415,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 605,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 3 | $ 425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 375,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 3 | $ 445,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 2 | $ 130,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 210,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 220,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 230,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 220,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 420,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,237,913,000 | 2 | $ 290,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 2 | $ 520,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 529,062,000 | 2 | $ 230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 200,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 2 | $ 280,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 140,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 2 | $ 360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 290,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 2 | $ 300,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 360,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 185,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 155,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 109,857,000 | 1 | $ 235,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,825,507,000 | 1 | $ 265,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 245,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 85,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 155,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 155,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 145,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,708,246,000 | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 145,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,553,647,000 | 1 | $ 15,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 265,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 65,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 185,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 205,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 496,400,000 | 1 | $ 95,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 65,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 165,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 255,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 185,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 1 | $ 75,000 |
The tables below break down 2020 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 2020
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 | 129 | $19,055,000 | $147,000 | $375,000 | $75,000 | $215,000 |
| Home Purchase | 95 | $13,615,000 | $143,000 | $485,000 | $74,000 | $278,000 |
| Cash-out Refinancing | 68 | $9,260,000 | $136,000 | $385,000 | $80,000 | $283,000 |
| Home Improvement | 7 | $645,000 | $92,000 | $245,000 | $69,000 | $145,000 |
| Other Purpose | 7 | $765,000 | $109,000 | $175,000 | $93,000 | $142,000 |
| Not Applicable | 2 | $140,000 | $70,000 | $85,000 | $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 | 240 | $33,860,000 | $141,000 | $385,000 | $77,000 | $283,000 |
| Not Provided | 35 | $4,855,000 | $138,000 | $485,000 | $71,000 | $260,000 |
| Not applicable | 18 | $2,570,000 | $142,000 | $245,000 | $48,000 | $63,000 |
| American Indian or Alaskan Native | 9 | $1,295,000 | $143,000 | $235,000 | $73,000 | $111,000 |
| Hispanic | 5 | $725,000 | $145,000 | $275,000 | $78,000 | $113,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $93,000 | $93,000 |
| Black or African American | 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) | 237 | $33,165,000 | $139,000 | $485,000 | $82,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,115,000 | $165,000 | $275,000 | $55,000 | $131,000 |
| FHA-insured (Federal Housing Administration) | 25 | $3,195,000 | $127,000 | $235,000 | $45,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,005,000 | $133,000 | $275,000 | $47,000 | $91,000 |
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 | 182 | $26,890,000 | $147,000 | $485,000 | $78,000 | $278,000 |
| Application Withdrawn By Applicant | 47 | $6,045,000 | $128,000 | $355,000 | $75,000 | $283,000 |
| Application Denied By Financial Institution | 39 | $4,725,000 | $121,000 | $275,000 | $76,000 | $212,000 |
| Loan Purchased By The Institution | 20 | $2,990,000 | $149,000 | $265,000 | $44,000 | $63,000 |
| File Closed For Incompleteness | 19 | $2,765,000 | $145,000 | $265,000 | $70,000 | $179,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $74,000 | $74,000 |
| 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 | 226 | $31,770,000 | $140,000 | $485,000 | $76,000 | $283,000 |
| Debt-To-Income Ratio | 50 | $7,800,000 | $156,000 | $385,000 | $73,000 | $194,000 |
| Credit History | 12 | $1,470,000 | $122,000 | $185,000 | $91,000 | $161,000 |
| Collateral | 7 | $875,000 | $125,000 | $255,000 | $61,000 | $74,000 |
| Credit Application Incomplete | 6 | $900,000 | $150,000 | $275,000 | $81,000 | $190,000 |
| Other | 4 | $460,000 | $115,000 | $145,000 | $121,000 | $212,000 |
| Employment History | 2 | $150,000 | $75,000 | $85,000 | $50,000 | $73,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About