Cook County, MN Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 375 mortgage applications in Cook County, MN totaling $93.9 million, down 12% from 2020. The average application was for $250,000, and applicants reported an average income of $159,000. 63% of applications resulted in an originated loan and 15% were denied. The most active lender was Associated Bank NA, with 46 applications, followed by Wells Fargo Bank NA and US Bank, N.A..

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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 375
Total Mortgage Loan Application Amount $93,945,000
Average Mortgage Loan Application Amount $250,000
Highest Mortgage Loan Application Amount $1,205,000
Average Applicant Income $159,000
Highest Applicant Income $2,899,000

Mortgage Company List for Lending in Cook County, MN for 2021

* 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
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 46 $ 9,600,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 30 $ 8,000,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 21 $ 7,325,000
North Shore Federal Credit Union
85 OUTER DR
SILVER BAY, MN 55614
* $ -1,000 19 $ 4,415,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 14 $ 2,780,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 13,105,582,000 9 $ 1,685,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 6,492,180,000 9 $ 2,445,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 994,623,000 8 $ 2,520,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 286,645,000 7 $ 1,705,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 2,055,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,930,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,354,874,000 5 $ 1,815,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 5 $ 1,585,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 990,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 1,030,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,708,246,000 4 $ 1,020,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 670,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 890,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 660,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 5,633,125,000 4 $ 1,490,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 1,450,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 1,215,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,553,647,000 3 $ 845,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 565,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 1,085,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 665,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 3 $ 295,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 3 $ 695,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 3 $ 1,115,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 775,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 3 $ 615,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 825,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 3 $ 495,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,336,372,000 3 $ 745,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 529,062,000 2 $ 510,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 630,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 590,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 480,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 2 $ 610,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 220,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 2 $ 650,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 540,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 2 $ 740,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 2 $ 370,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 2 $ 550,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,399,512,000 2 $ 450,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 2 $ 380,000
Bridgewater Bank
4450 EXCELSIOR BOULEVARD
ST. LOUIS PARK, MN 55416
* $ 2,263,871,000 2 $ 230,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 2 $ 690,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 500,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 2 $ 670,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 510,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 560,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 796,073,000 2 $ 470,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 327,028,000 2 $ 520,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,668,081,000 1 $ 225,000
Sharepoint Credit Union
5300 HYLAND GREENS DR
BLOOMINGTON, MN 55437
* $ 240,631,000 1 $ 95,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,237,913,000 1 $ 315,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 195,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 175,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 1 $ 445,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 1 $ 265,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 432,148,000 1 $ 205,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 1 $ 115,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 185,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 325,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 185,000
American National Bank of Minnesota
1920 SOUTH SIXTH STREET
BRAINERD, MN 56401
* $ 306,098,000 1 $ 95,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,864,126,000 1 $ 305,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,837,926,000 1 $ 75,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,921,403,000 1 $ 525,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 245,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,399,926,000 1 $ 175,000
Auto Club Trust, FSB
1 AUTOCLUB DRIVE
DEARBORN, MI 48126
* $ 567,245,000 1 $ 185,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 165,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,531,129,000 1 $ 225,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ 470,364,000 1 $ 295,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ -1,000 1 $ 125,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 455,000
Quad City Bank and Trust
4500 NORTH BRADY STREET
DAVENPORT, IA 52806
* $ 1,701,973,000 1 $ 565,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 225,000
Roundbank
200 SECOND STREET NE, PO BOX 667
WASECA, MN 56093
* $ 325,074,000 1 $ 315,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 165,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 315,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 165,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 893,592,000 1 $ 65,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 355,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 285,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ 369,032,000 1 $ 285,000
Minnco Credit Union
235 WEST 1ST AVENUE
CAMBRIDGE, MN 55008
* $ 326,040,000 1 $ 245,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 65,000
Associated Healthcare CU
360 SHERMAN ST. SUITE B-10
SAINT PAUL, MN 55102
* $ 119,757,000 1 $ 265,000
Star Choice Credit Union
10750 FRANCE AVE S
BLOOMINGTON, MN 55431
* $ 64,237,000 1 $ 35,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 275,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 1 $ 275,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 235,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 437,320,000 1 $ 115,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 215,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 1 $ 205,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 245,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 195,000
Lake Area Bank
12790 FIRST AVE N - PO BOX 743
LINDSTROM, MN 55045
* $ 359,274,000 1 $ 185,000

The tables below break down 2021 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 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
Refinancing 145 $31,305,000 $215,000 $585,000 $122,000 $661,000
Home Purchase 138 $41,730,000 $302,000 $1,205,000 $207,000 $2,899,000
Cash-out Refinancing 70 $17,330,000 $247,000 $615,000 $125,000 $975,000
Other Purpose 12 $2,370,000 $197,000 $375,000 $269,000 $869,000
Home Improvement 10 $1,210,000 $121,000 $205,000 $127,000 $318,000
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 296 $74,040,000 $250,000 $755,000 $164,000 $2,899,000
Not Provided 49 $10,885,000 $222,000 $485,000 $142,000 $404,000
Not applicable 15 $3,825,000 $255,000 $585,000 $237,000 $237,000
American Indian or Alaskan Native 7 $1,605,000 $229,000 $355,000 $80,000 $96,000
Asian 2 $530,000 $265,000 $365,000 $110,000 $159,000
Black or African American 2 $2,400,000 $1,200,000 $1,205,000 $430,000 $430,000
Hispanic 2 $300,000 $150,000 $235,000 $51,000 $81,000
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) 347 $86,125,000 $248,000 $1,205,000 $164,000 $2,899,000
VA-guaranteed (Veterans Administration) 17 $5,575,000 $327,000 $485,000 $92,000 $153,000
FHA-insured (Federal Housing Administration) 10 $2,040,000 $204,000 $285,000 $44,000 $75,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $205,000 $205,000 $205,000 $42,000 $42,000

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 235 $60,165,000 $256,000 $1,195,000 $150,000 $750,000
Application Denied By Financial Institution 55 $10,405,000 $189,000 $365,000 $124,000 $400,000
Application Withdrawn By Applicant 47 $13,605,000 $289,000 $1,205,000 $217,000 $2,899,000
Loan Purchased By The Institution 17 $4,795,000 $282,000 $485,000 $181,000 $437,000
File Closed For Incompleteness 15 $3,695,000 $246,000 $405,000 $217,000 $869,000
Application Approved But Not Accepted 5 $995,000 $199,000 $265,000 $208,000 $375,000
Preapproval Approved but not Accepted 1 $285,000 $285,000 $285,000 $170,000 $170,000
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 297 $78,045,000 $262,000 $1,205,000 $166,000 $2,899,000
Debt-To-Income Ratio 33 $7,985,000 $241,000 $565,000 $133,000 $541,000
Collateral 15 $2,765,000 $184,000 $325,000 $139,000 $400,000
Credit Application Incomplete 9 $1,915,000 $212,000 $305,000 $122,000 $197,000
Credit History 8 $1,220,000 $152,000 $245,000 $114,000 $338,000
Other 6 $1,000,000 $166,000 $265,000 $155,000 $318,000
Unverifiable Information 5 $685,000 $137,000 $205,000 $180,000 $345,000
Employment History 2 $330,000 $165,000 $235,000 $39,000 $79,000
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.

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