Clearwater County, MN Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 348 mortgage applications in Clearwater County, MN totaling $50.8 million, up 13% from 2020. The average application was for $145,000, and applicants reported an average income of $80,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was Affinity Plus Federal Credit Union, with 60 applications, followed by Riverwood 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 | 348 |
| Total Mortgage Loan Application Amount | $50,780,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $351,000 |
* 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 | 60 | $ 6,630,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 445,320,000 | 22 | $ 2,220,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 19 | $ 2,895,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 109,857,000 | 16 | $ 2,430,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 717,012,000 | 14 | $ 2,340,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 628,546,000 | 12 | $ 2,710,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 719,021,000 | 11 | $ 1,335,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 11 | $ 1,975,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 9 | $ 1,375,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 8 | $ 700,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 8 | $ 1,190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 990,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 540,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 920,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,300,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 5 | $ 675,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 510,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 120,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 660,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 550,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 3 | $ 55,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 327,028,000 | 3 | $ 185,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 3 | $ 355,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 1,055,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 1,005,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 629,553,000 | 2 | $ 170,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 2 | $ 430,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 310,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 2 | $ 350,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 340,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 460,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 270,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 410,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 2 | $ 740,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 2 | $ 190,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 510,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 270,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 260,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 340,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 390,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 490,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 250,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 1 | $ 125,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 306,098,000 | 1 | $ 255,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 75,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 225,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 65,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 75,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 195,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 145,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 1 | $ 205,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 105,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 225,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 1 | $ 145,000 |
| Western National Bank PO BOX 16050 DULUTH, MN 55816 |
* | $ 104,693,000 | 1 | $ 165,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 195,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 255,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 1 | $ 155,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 215,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 527,460,000 | 1 | $ 65,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 115,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 175,000 |
| North Star Credit Union 24 S RIVER ST COOK, MN 55723 |
* | $ 59,704,000 | 1 | $ 135,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 455,000 |
The tables below break down 2021 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 2021
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 | 117 | $18,405,000 | $157,000 | $455,000 | $79,000 | $351,000 |
| Refinancing | 114 | $17,560,000 | $154,000 | $595,000 | $79,000 | $213,000 |
| Cash-out Refinancing | 104 | $13,710,000 | $131,000 | $465,000 | $83,000 | $263,000 |
| Home Improvement | 6 | $480,000 | $80,000 | $165,000 | $76,000 | $107,000 |
| Other Purpose | 5 | $485,000 | $97,000 | $155,000 | $74,000 | $161,000 |
| Not Applicable | 2 | $140,000 | $70,000 | $95,000 | $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 | 267 | $39,245,000 | $146,000 | $595,000 | $81,000 | $351,000 |
| Not Provided | 38 | $5,580,000 | $146,000 | $465,000 | $66,000 | $296,000 |
| Not applicable | 25 | $2,875,000 | $115,000 | $225,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $845,000 | $120,000 | $235,000 | $101,000 | $263,000 |
| Black or African American | 5 | $1,295,000 | $259,000 | $355,000 | $92,000 | $243,000 |
| Asian | 4 | $630,000 | $157,000 | $255,000 | $122,000 | $175,000 |
| Hispanic | 2 | $310,000 | $155,000 | $185,000 | $60,000 | $63,000 |
| 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) | 256 | $34,660,000 | $135,000 | $595,000 | $83,000 | $351,000 |
| FHA-insured (Federal Housing Administration) | 48 | $7,650,000 | $159,000 | $275,000 | $70,000 | $221,000 |
| VA-guaranteed (Veterans Administration) | 31 | $6,975,000 | $225,000 | $455,000 | $75,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,495,000 | $115,000 | $215,000 | $43,000 | $71,000 |
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 | 211 | $30,445,000 | $144,000 | $465,000 | $78,000 | $351,000 |
| Application Withdrawn By Applicant | 48 | $6,240,000 | $130,000 | $325,000 | $87,000 | $296,000 |
| Application Denied By Financial Institution | 41 | $6,675,000 | $162,000 | $395,000 | $74,000 | $351,000 |
| Loan Purchased By The Institution | 21 | $3,175,000 | $151,000 | $455,000 | $134,000 | $134,000 |
| File Closed For Incompleteness | 14 | $2,110,000 | $150,000 | $375,000 | $80,000 | $153,000 |
| Application Approved But Not Accepted | 12 | $2,000,000 | $166,000 | $595,000 | $93,000 | $213,000 |
| Preapproval Approved but not Accepted | 1 | $135,000 | $135,000 | $135,000 | $227,000 | $227,000 |
| 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 | 289 | $41,475,000 | $143,000 | $595,000 | $80,000 | $351,000 |
| Debt-To-Income Ratio | 31 | $4,995,000 | $161,000 | $465,000 | $67,000 | $296,000 |
| Collateral | 9 | $1,425,000 | $158,000 | $235,000 | $68,000 | $125,000 |
| Credit Application Incomplete | 9 | $1,655,000 | $183,000 | $395,000 | $122,000 | $351,000 |
| Credit History | 8 | $860,000 | $107,000 | $225,000 | $92,000 | $190,000 |
| Other | 2 | $370,000 | $185,000 | $205,000 | $46,000 | $52,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
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