Cook County, MN Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 210 mortgage applications in Cook County, MN totaling $50.3 million, down 33% from 2007. The average application was for $239,000, and applicants reported an average income of $121,000. 50% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank, NA, with 24 applications, followed by JPMorgan Chase Bank, NA and Countrywide Bank FSB.
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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 | 210 |
| Total Mortgage Loan Application Amount | $50,348,000 |
| Average Mortgage Loan Application Amount | $239,000 |
| Highest Mortgage Loan Application Amount | $948,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $1,651,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 24 | $ 5,117,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 22 | $ 6,002,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 19 | $ 5,070,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 15 | $ 3,036,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 12 | $ 3,051,000 |
| The Business Bank 11100 WAYZATA BLVD SUITE 150 MINNETONKA, MN 55305 |
* | $ 127,121,000 | 12 | $ 3,936,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,567,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 6 | $ 2,019,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 4 | $ 1,255,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 705,197,000 | 4 | $ 252,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 777,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 3 | $ 1,096,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 345,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 3 | $ 309,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 3 | $ 1,067,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 756,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 3 | $ 465,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 191,216,000 | 2 | $ 836,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 563,000 |
| Voyager Bank 775 PRAIRIE CENTER DRIVE EDEN PRAIRIE, MN 55344 |
* | $ 540,159,000 | 2 | $ 365,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 375,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 226,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 2 | $ 331,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 2 | $ 372,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 283,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 516,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 551,601,000 | 2 | $ 194,000 |
| City-County FCU 6160 SUMMIT DRIVE BROOKLYN CENTER, MN 55430 |
* | $ 486,020,000 | 2 | $ 96,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 2 | $ 665,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 2 | $ 550,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 1,837,312,000 | 1 | $ 475,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,222,682,000 | 1 | $ 450,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Pmc Bancorp 17800 CASTLETON STREET, SUITE 488 CITY OF INDUSTRY, CA 91748 |
* | $ 10,000,000 | 1 | $ 184,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 417,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 313,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 235,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 408,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 142,000 |
| Lakeland Mortgage Corporation 8300 NORMAN CENTER DRIVE SUITE 240 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 270,593,000 | 1 | $ 216,000 |
| Kleinbank 301 CHESTNUT ST CHASKA, MN 55318 |
* | $ 1,369,423,000 | 1 | $ 413,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 1 | $ 175,000 |
| The Riverbank 26777 FALLBROCK AVE PO BOX 97 WYOMING, MN 55092 |
* | $ 456,750,000 | 1 | $ 346,000 |
| Lake Elmo Bank 11465 39TH STREET NORTH LAKE ELMO, MN 55042 |
* | $ 265,348,000 | 1 | $ 310,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 273,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 53,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 82,729,000 | 1 | $ 147,000 |
| Stonebridge Bank 903 WASHINGTON AVE S MINNEAPOLIS, MN 55415 |
* | $ 44,066,000 | 1 | $ 265,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 300,000 |
| Queen City Federal Savings Ban 501 CHESTNUT STREET VIRGINIA, MN 55792 |
* | $ 181,563,000 | 1 | $ 188,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 100,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 131,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 721,201,000 | 1 | $ 170,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 114,199,000 | 1 | $ 64,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,127,000 | 1 | $ 417,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 75,000 |
| Pioneer National Bank of Duluth, the 331 N CENTRAL AVE DULUTH, MN 55807 |
* | $ 78,622,000 | 1 | $ 36,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 16,041,338,000 | 1 | $ 258,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,389,309,000 | 1 | $ 880,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 32,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 458,814,000 | 1 | $ 164,000 |
The tables below break down 2008 mortgage applications in Cook 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 Cook County, MN in 2008
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 | 155 | $38,461,000 | $248,000 | $900,000 | $114,000 | $1,651,000 |
| Home Purchase | 39 | $9,579,000 | $245,000 | $948,000 | $147,000 | $420,000 |
| Home Improvement | 16 | $2,308,000 | $144,000 | $540,000 | $124,000 | $415,000 |
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 | 159 | $38,447,000 | $241,000 | $948,000 | $125,000 | $1,651,000 |
| Not Provided | 28 | $6,375,000 | $227,000 | $443,000 | $130,000 | $930,000 |
| Not applicable | 20 | $5,057,000 | $252,000 | $417,000 | $89,000 | $389,000 |
| American Indian or Alaskan Native | 1 | $120,000 | $120,000 | $120,000 | $60,000 | $60,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $50,000 | $50,000 |
| Black or African American | 1 | $184,000 | $184,000 | $184,000 | $35,000 | $35,000 |
| Hispanic | 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) | 201 | $48,678,000 | $242,000 | $948,000 | $124,000 | $1,651,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,374,000 | $196,000 | $273,000 | $54,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 2 | $296,000 | $148,000 | $224,000 | $22,000 | $44,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 104 | $25,252,000 | $242,000 | $948,000 | $151,000 | $1,651,000 |
| Loan Purchased By The Institution | 37 | $9,069,000 | $245,000 | $443,000 | $73,000 | $389,000 |
| Application Denied By Financial Institution | 29 | $7,490,000 | $258,000 | $900,000 | $121,000 | $777,000 |
| Application Withdrawn By Applicant | 20 | $4,854,000 | $242,000 | $880,000 | $78,000 | $225,000 |
| Application Approved But Not Accepted | 12 | $2,296,000 | $191,000 | $450,000 | $76,000 | $154,000 |
| File Closed For Incompleteness | 8 | $1,387,000 | $173,000 | $300,000 | $119,000 | $420,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $3,363,000 | $373,000 | $875,000 | $149,000 | $223,000 |
| Debt-To-Income Ratio | 6 | $1,537,000 | $256,000 | $900,000 | $95,000 | $171,000 |
| Other | 4 | $1,031,000 | $257,000 | $365,000 | $239,000 | $777,000 |
| Credit History | 2 | $213,000 | $106,000 | $198,000 | $49,000 | $67,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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