Cook County, MN Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 426 mortgage applications in Cook County, MN totaling $106.8 million, up 89% from 2019. The average application was for $250,000, and applicants reported an average income of $176,000. 66% of applications resulted in an originated loan and 8% were denied. The most active lender was US Bank, N.A., with 31 applications, followed by Associated Bank NA and The Lake Bank.

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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 426
Total Mortgage Loan Application Amount $106,840,000
Average Mortgage Loan Application Amount $250,000
Highest Mortgage Loan Application Amount $1,445,000
Average Applicant Income $176,000
Highest Applicant Income $3,264,000

Mortgage Company List for Lending in Cook County, MN for 2020

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 31 $ 9,095,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 30 $ 6,950,000
The Lake Bank
613 1ST AVE
TWO HARBORS, MN 55616
* $ 130,928,000 24 $ 5,330,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 24 $ 6,930,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 21 $ 5,075,000
North Shore Federal Credit Union
85 OUTER DR
SILVER BAY, MN 55614
* $ -1,000 21 $ 5,035,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 6,492,180,000 17 $ 5,155,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 994,623,000 15 $ 3,245,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 2,355,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,354,874,000 8 $ 2,000,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,399,512,000 8 $ 1,640,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,553,647,000 7 $ 1,395,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 327,028,000 7 $ 985,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 7 $ 2,085,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 1,520,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 1,620,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 955,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 1,115,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 529,062,000 5 $ 1,405,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 1,425,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 4 $ 870,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 1,310,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 13,105,582,000 4 $ 930,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 4 $ 860,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 3 $ 625,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 755,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 885,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 3 $ 1,175,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,237,913,000 3 $ 625,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 403,053,000 3 $ 535,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 3 $ 665,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 3 $ 485,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 725,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 5,633,125,000 3 $ 945,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 1,405,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 2 $ 550,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 2 $ 530,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 410,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 2 $ 500,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 2 $ 270,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 629,553,000 2 $ 380,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,336,372,000 2 $ 310,000
First Community Credit Union
111 9TH ST SW
JAMESTOWN, ND 58401
* $ 850,203,000 2 $ 100,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 2 $ 700,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 720,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 620,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 2 $ 530,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 2 $ 610,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,708,246,000 2 $ 490,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,399,926,000 2 $ 250,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 410,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,864,126,000 2 $ 290,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 570,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 260,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 450,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 2 $ 470,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 1 $ 225,000
Bankers Trust Company
453 7TH ST.
DES MOINES, IA 50309
* $ 4,981,719,000 1 $ 515,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 485,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 61,390,143,000 1 $ 855,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 893,592,000 1 $ 225,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 165,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 1 $ 215,000
Roundbank
200 SECOND STREET NE, PO BOX 667
WASECA, MN 56093
* $ 325,074,000 1 $ 295,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 345,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 215,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 75,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 4,645,441,000 1 $ 165,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 235,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 245,000
Bay-Valley Mortgage Group
23320 FOOTHILL BLVD, SUITE 260
HAYWARD, CA 94541
* $ -1,000 1 $ 265,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 305,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ 1,201,922,000 1 $ 215,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 275,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 205,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 1 $ 275,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 275,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 45,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 115,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 777,069,000 1 $ 455,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 1 $ 255,000
Riverwood Bank
14540 DELLWOOD DR PO BOX 2947
BAXTER, MN 56425
* $ 445,320,000 1 $ 355,000
First National Community Bank
109 E. 2ND ST. PO BOX 89
NEW RICHMOND, WI 54017
* $ 216,070,000 1 $ 475,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 405,000
Sunrise Banks, N.A.

SIOUX FALLS, SD 57108
* $ 1,179,926,000 1 $ 205,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 205,000
Novation Credit Union
500 IMPERIAL AVE
OAKDALE, MN 55128
* $ 162,519,000 1 $ 305,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ -1,000 1 $ 515,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 325,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 205,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 5,209,882,000 1 $ 285,000
First National Bank of Le Center
10 W. MINNESOTA ST
LE CENTER, MN 56057
* $ 128,881,000 1 $ 145,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 485,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 1 $ 275,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 286,645,000 1 $ 245,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 195,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 2,675,632,000 1 $ 125,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 1 $ 345,000
Citizens Bancshares of Woodville, Inc.
375 STAGELINE RD PO BOX 247
HUDSON, WI 54016
* $ 223,068,000 1 $ 305,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 1,379,124,000 1 $ 205,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 1,242,853,000 1 $ 175,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 215,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 639,882,000 1 $ 265,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ -1,000 1 $ 165,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 245,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 325,000

The tables below break down 2020 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 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
Home Purchase 177 $45,985,000 $259,000 $805,000 $184,000 $1,002,000
Refinancing 170 $43,930,000 $258,000 $1,445,000 $162,000 $3,264,000
Cash-out Refinancing 56 $13,840,000 $247,000 $855,000 $178,000 $1,991,000
Other Purpose 12 $1,660,000 $138,000 $385,000 $221,000 $476,000
Home Improvement 8 $970,000 $121,000 $245,000 $173,000 $495,000
Not Applicable 3 $455,000 $151,000 $175,000 $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 331 $83,065,000 $250,000 $1,445,000 $179,000 $3,264,000
Not Provided 52 $12,380,000 $238,000 $515,000 $150,000 $771,000
Not applicable 29 $7,265,000 $250,000 $545,000 $184,000 $381,000
Asian 3 $535,000 $178,000 $215,000 $90,000 $141,000
Hispanic 3 $735,000 $245,000 $265,000 $183,000 $200,000
Black or African American 1 $495,000 $495,000 $495,000 $80,000 $80,000
American Indian or Alaskan Native 1 $285,000 $285,000 $285,000 $92,000 $92,000
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) 389 $98,165,000 $252,000 $1,445,000 $179,000 $3,264,000
VA-guaranteed (Veterans Administration) 25 $6,005,000 $240,000 $425,000 $100,000 $180,000
FHA-insured (Federal Housing Administration) 10 $2,160,000 $216,000 $335,000 $64,000 $126,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $510,000 $255,000 $255,000 $56,000 $56,000

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 280 $71,630,000 $255,000 $1,445,000 $174,000 $3,264,000
Application Withdrawn By Applicant 61 $14,455,000 $236,000 $685,000 $159,000 $600,000
Application Denied By Financial Institution 35 $8,245,000 $235,000 $855,000 $152,000 $1,952,000
Loan Purchased By The Institution 29 $7,295,000 $251,000 $515,000 $177,000 $384,000
File Closed For Incompleteness 13 $2,785,000 $214,000 $525,000 $315,000 $1,991,000
Application Approved But Not Accepted 8 $2,430,000 $303,000 $485,000 $196,000 $771,000
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 330 $84,760,000 $256,000 $1,445,000 $177,000 $3,264,000
Debt-To-Income Ratio 71 $16,035,000 $225,000 $525,000 $169,000 $854,000
Collateral 7 $1,925,000 $275,000 $855,000 $363,000 $1,952,000
Credit Application Incomplete 7 $1,755,000 $250,000 $515,000 $109,000 $328,000
Credit History 4 $680,000 $170,000 $275,000 $99,000 $180,000
Unverifiable Information 4 $1,110,000 $277,000 $445,000 $94,000 $125,000
Other 1 $105,000 $105,000 $105,000 $174,000 $174,000
Employment History 1 $255,000 $255,000 $255,000 $29,000 $29,000
Insufficient Cash (Downpayment, Closing Cost) 1 $215,000 $215,000 $215,000 $48,000 $48,000
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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