Cook County, MN Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 148 mortgage applications in Cook County, MN totaling $32.1 million, down 54% from 2013. The average application was for $217,000, and applicants reported an average income of $131,000. 51% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 19 applications, followed by US Bank, N.A. and Associated 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 | 148 |
| Total Mortgage Loan Application Amount | $32,140,000 |
| Average Mortgage Loan Application Amount | $217,000 |
| Highest Mortgage Loan Application Amount | $1,427,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $2,203,000 |
* 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 MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 19 | $ 4,176,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 13 | $ 2,480,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 10 | $ 2,132,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 9 | $ 2,033,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 1,056,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 1,106,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,905,587,000 | 5 | $ 1,041,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 4 | $ 604,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 4 | $ 958,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 835,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 539,254,000 | 3 | $ 1,772,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 2 | $ 350,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 2 | $ 386,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 502,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 517,670,000 | 2 | $ 269,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 558,319,000 | 2 | $ 464,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 432,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 564,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 679,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 239,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 236,094,000 | 2 | $ 764,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 2 | $ 246,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 393,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 1 | $ 194,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 914,430,000 | 1 | $ 350,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 926,944,000 | 1 | $ 221,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 44,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ 376,995,000 | 1 | $ 41,000 |
| Quad City Bank and Trust 4500 NORTH BRADY STREET DAVENPORT, IA 52806 |
* | $ 1,256,342,000 | 1 | $ 580,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Rbc Bank (Georgia), N.A. 8081 ARCO CORPORATE DRIVE RALEIGH, NC 27617 |
* | $ 2,943,281,000 | 1 | $ 70,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 137,502,000 | 1 | $ 51,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 1 | $ 202,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 270,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 135,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 244,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 163,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 188,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 265,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 22,971,000,000 | 1 | $ 506,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 200,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 281,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 290,195,000 | 1 | $ 216,000 |
| Plaza Park State Bank 131 6TH AVE S - SUITE 100, PO BOX 337 WAITE PARK, MN 56387 |
* | $ 174,939,000 | 1 | $ 89,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 653,119,000 | 1 | $ 145,000 |
| Security State Bank of Hibbing 701 E HOWARD ST, PO BOX 279 HIBBING, MN 55746 |
* | $ 123,833,000 | 1 | $ 50,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 242,416,000 | 1 | $ 75,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 283,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 183,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 1 | $ 196,000 |
| The Park Bank 1815 GREENWAY CROSS MADISON, WI 53713 |
* | $ 715,081,000 | 1 | $ 235,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,253,875,000 | 1 | $ 196,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 3,910,000,000 | 1 | $ 100,000 |
The tables below break down 2014 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 2014
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 | 83 | $19,012,000 | $229,000 | $1,427,000 | $131,000 | $2,203,000 |
| Home Purchase | 59 | $12,234,000 | $207,000 | $600,000 | $120,000 | $1,035,000 |
| Home Improvement | 6 | $894,000 | $149,000 | $264,000 | $248,000 | $925,000 |
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 | 107 | $20,778,000 | $194,000 | $580,000 | $143,000 | $2,203,000 |
| Not Provided | 18 | $5,269,000 | $292,000 | $600,000 | $192,000 | $1,035,000 |
| Not applicable | 14 | $4,492,000 | $320,000 | $1,427,000 | $19,000 | $134,000 |
| Hispanic | 5 | $1,087,000 | $217,000 | $270,000 | $59,000 | $93,000 |
| American Indian or Alaskan Native | 4 | $514,000 | $128,000 | $184,000 | $32,000 | $73,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 121 | $25,501,000 | $210,000 | $1,427,000 | $148,000 | $2,203,000 |
| VA-guaranteed (Veterans Administration) | 18 | $4,639,000 | $257,000 | $350,000 | $49,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,694,000 | $242,000 | $333,000 | $80,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $306,000 | $153,000 | $189,000 | $41,000 | $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 | 75 | $16,680,000 | $222,000 | $1,427,000 | $161,000 | $2,203,000 |
| Application Denied By Financial Institution | 30 | $6,432,000 | $214,000 | $420,000 | $136,000 | $1,035,000 |
| Loan Purchased By The Institution | 19 | $4,396,000 | $231,000 | $349,000 | $35,000 | $134,000 |
| Application Withdrawn By Applicant | 16 | $2,675,000 | $167,000 | $350,000 | $100,000 | $251,000 |
| File Closed For Incompleteness | 6 | $1,357,000 | $226,000 | $506,000 | $127,000 | $200,000 |
| Application Approved But Not Accepted | 2 | $600,000 | $300,000 | $500,000 | $154,000 | $225,000 |
| 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 | $2,175,000 | $241,000 | $420,000 | $219,000 | $1,035,000 |
| Credit History | 3 | $707,000 | $235,000 | $332,000 | $73,000 | $110,000 |
| Debt-To-Income Ratio | 3 | $666,000 | $222,000 | $270,000 | $62,000 | $103,000 |
| Other | 2 | $416,000 | $208,000 | $265,000 | $162,000 | $169,000 |
| Credit Application Incomplete | 1 | $137,000 | $137,000 | $137,000 | $29,000 | $29,000 |
| 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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