Clearwater County, MN Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 180 mortgage applications in Clearwater County, MN totaling $25.1 million, down 2% from 2023. The average application was for $139,000, and applicants reported an average income of $83,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Affinity Plus Federal Credit Union, with 34 applications, followed by Riverwood Bank and Border Bank.
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 | 180 |
| Total Mortgage Loan Application Amount | $25,100,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $232,000 |
* 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 |
* | $ n/a | 34 | $ 2,050,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ n/a | 14 | $ 1,360,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ n/a | 11 | $ 2,445,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ n/a | 6 | $ 670,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,050,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ n/a | 5 | $ 435,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 565,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 860,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ n/a | 4 | $ 750,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 680,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 760,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 770,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 680,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 665,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 3 | $ 395,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 3 | $ 375,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ n/a | 3 | $ 465,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 825,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 505,000 |
| Kodabank 104 S MAIN ST DRAYTON, ND 58225 |
* | $ n/a | 3 | $ 385,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 255,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 535,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 2 | $ 230,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 530,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 130,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 580,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 100,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 2 | $ 220,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 2 | $ 290,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 305,000 |
| First National Bank Bagley PO BOX N, 31 CENTRAL STREET E BAGLEY, MN 56621 |
* | $ n/a | 1 | $ 65,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 275,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 1 | $ 45,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 145,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 1 | $ 275,000 |
| First Alliance Credit Union 320 ALLIANCE PL NE ROCHESTER, MN 55904 |
* | $ n/a | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 125,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 205,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 195,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 335,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 335,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ n/a | 1 | $ 105,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 135,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 305,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ n/a | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 45,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 185,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 325,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 355,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 105,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 195,000 |
The tables below break down 2024 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 2024
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 | 76 | $12,860,000 | $169,000 | $355,000 | $82,000 | $232,000 |
| Other Purpose | 34 | $2,260,000 | $66,000 | $205,000 | $85,000 | $178,000 |
| Cash-out Refinancing | 26 | $4,420,000 | $170,000 | $405,000 | $81,000 | $172,000 |
| Home Improvement | 24 | $2,540,000 | $105,000 | $905,000 | $88,000 | $194,000 |
| Refinancing | 20 | $3,020,000 | $151,000 | $345,000 | $76,000 | $224,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 134 | $18,160,000 | $135,000 | $355,000 | $83,000 | $232,000 |
| Not Provided | 21 | $3,205,000 | $152,000 | $405,000 | $85,000 | $146,000 |
| Not applicable | 9 | $2,165,000 | $240,000 | $905,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $390,000 | $65,000 | $165,000 | $49,000 | $74,000 |
| Hispanic | 6 | $640,000 | $106,000 | $275,000 | $98,000 | $171,000 |
| Asian | 2 | $370,000 | $185,000 | $315,000 | $174,000 | $185,000 |
| Black or African American | 2 | $170,000 | $85,000 | $125,000 | $21,000 | $36,000 |
| 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) | 133 | $15,305,000 | $115,000 | $905,000 | $85,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 26 | $4,870,000 | $187,000 | $405,000 | $73,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 16 | $4,240,000 | $265,000 | $355,000 | $84,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $685,000 | $137,000 | $205,000 | $64,000 | $96,000 |
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 | 108 | $15,360,000 | $142,000 | $905,000 | $86,000 | $224,000 |
| Application Denied By Financial Institution | 29 | $3,015,000 | $103,000 | $315,000 | $66,000 | $185,000 |
| Application Withdrawn By Applicant | 23 | $3,715,000 | $161,000 | $355,000 | $89,000 | $232,000 |
| Loan Purchased By The Institution | 8 | $1,550,000 | $193,000 | $335,000 | $88,000 | $97,000 |
| Application Approved But Not Accepted | 6 | $870,000 | $145,000 | $335,000 | $84,000 | $175,000 |
| File Closed For Incompleteness | 4 | $340,000 | $85,000 | $145,000 | $103,000 | $170,000 |
| Preapproval Approved but not Accepted | 2 | $250,000 | $125,000 | $185,000 | $53,000 | $84,000 |
| 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 | 129 | $18,235,000 | $141,000 | $405,000 | $87,000 | $232,000 |
| Debt-To-Income Ratio | 34 | $5,160,000 | $151,000 | $905,000 | $68,000 | $171,000 |
| Credit History | 7 | $605,000 | $86,000 | $125,000 | $70,000 | $121,000 |
| Collateral | 5 | $315,000 | $63,000 | $95,000 | $67,000 | $163,000 |
| Employment History | 2 | $130,000 | $65,000 | $75,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 1 | $215,000 | $215,000 | $215,000 | $100,000 | $100,000 |
| Other | 1 | $315,000 | $315,000 | $315,000 | $185,000 | $185,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $102,000 | $102,000 |
| 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