Douglas County MN
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Unlock detailed Douglas County MN mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
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 | 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 | 2,799 |
| Total Mortgage Loan Application Amount | $669,965,000 |
| Average Mortgage Loan Application Amount | $239,000 |
| Highest Mortgage Loan Application Amount | $9,205,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $1,247,000 |
* 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 |
|---|---|---|---|---|
| BELL BANK 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 254 | $ 54,750,000 |
| BREMER BANK, NATIONAL ASSOCIATION 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 13,105,582,000 | 218 | $ 43,890,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 196 | $ 46,520,000 |
| FIRST WESTERN BANK & TRUST 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,089,559,000 | 174 | $ 39,230,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,747,398,000,000 | 126 | $ 24,250,000 |
| GATE CITY BANK 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 121 | $ 23,645,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 95 | $ 22,015,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 92 | $ 16,380,000 |
| CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 WILMINGTON, DE 30328 |
* | $ -1,000 | 69 | $ 16,255,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 60 | $ 16,370,000 |
| MAGNIFI FINANCIAL CREDIT UNION 1140 ELM STREET MELROSE, MN 56374 |
* | $ 1,201,922,000 | 51 | $ 10,585,000 |
| AFFINITY PLUS 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,399,512,000 | 51 | $ 7,955,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 47 | $ 9,615,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 38 | $ 8,560,000 |
| AMERICAN NATIONAL BANK OF MINNESOTA 1920 SOUTH SIXTH STREET BAXTER, MN 56401 |
* | $ 306,098,000 | 37 | $ 10,615,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 216,077,000,000 | 35 | $ 9,065,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 34 | $ 8,430,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 16,855,693,000 | 34 | $ 8,360,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 33 | $ 6,125,000 |
| MERCHANTS BANK, NATIONAL ASSOCIATION 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 33 | $ 7,045,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 28 | $ 7,700,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 25 | $ 5,885,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 24 | $ 5,740,000 |
| HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 23 | $ 6,415,000 |
| NEIGHBORHOOD NATIONAL BANK 45 NORTH UNION MORA, MN 55051 |
* | $ 221,715,000 | 22 | $ 3,690,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 17 | $ 3,695,000 |
| PROSPERITY HOME MORTGAGE, LLC 14501 GEORGE CARTER WAY SUITE 300 GLEN ALLEN, VA 20151 |
* | $ -1,000 | 17 | $ 3,785,000 |
| TRUSTONE FINANCIAL CREDIT UNION 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,553,647,000 | 17 | $ 3,325,000 |
| SERVION, INC. 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 17 | $ 3,145,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ -1,000 | 16 | $ 3,980,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 15 | $ 4,035,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. WILMINGTON, DE 33146 |
* | $ -1,000 | 15 | $ 3,485,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ -1,000 | 14 | $ 3,350,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 98,729,134,000 | 13 | $ 865,000 |
| PREMIER MORTGAGE RESOURCES, L.L.C. 1325 NW FLANDERS ST SALEM, OR 97209 |
* | $ -1,000 | 13 | $ 3,095,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ -1,000 | 12 | $ 3,820,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 12 | $ 2,820,000 |
| ALERUS FINANCIAL, NATIONAL ASSOCIATION PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 12 | $ 3,530,000 |
| THRIVENT FEDERAL CREDIT UNION 625 FOURTH AVE S APPLETON, WI 55415 |
* | $ 629,553,000 | 12 | $ 2,080,000 |
| TRADITION MORTGAGE, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 EDINA, MN 55044 |
* | $ -1,000 | 11 | $ 3,075,000 |
| MIDWEST BANK 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 527,460,000 | 11 | $ 2,305,000 |
| WINGS FINANCIAL CREDIT UNION 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 11 | $ 10,115,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 10 | $ 2,400,000 |
| LUMINATE HOME LOANS, INC. 7760 FRANCE AVE S, STE 1010 ROSEVILLE, MN 55435 |
* | $ -1,000 | 10 | $ 2,660,000 |
| CAMBRIA FINANCIAL GROUP, LLC 11000 W 78TH STREET, SUITE 300 BELLE PLAINE, MN 55344 |
* | $ -1,000 | 9 | $ 2,415,000 |
| LEADERONE FINANCIAL CORPORATION 7500 COLLEGE BLVD SUITE 1150 TOPEKA, KS 66210 |
* | $ -1,000 | 9 | $ 2,425,000 |
| HOMETOWN BANK 1000 EAST COOK STREET REDWOOD FALLS, MN 56283 |
* | $ 353,740,000 | 9 | $ 1,445,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 9 | $ 1,395,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 8 | $ 1,980,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ -1,000 | 7 | $ 1,275,000 |
| IOWA BANKERS MORTGAGE CORPORATION 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 7 | $ 1,855,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ -1,000 | 7 | $ 1,655,000 |
| RIVERWOOD BANK 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 445,320,000 | 7 | $ 1,555,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 7 | $ 2,095,000 |
| BETTER MORTGAGE CORPORATION 459 BROADWAY, FLOOR 5 GLENDALE, CA 10013 |
* | $ -1,000 | 7 | $ 1,895,000 |
| PROVIDENT FUNDING ASSOCIATES, L.P. 851 TRAEGER AVENUE, SUITE 100 SACRAMENTO, CA 94066 |
* | $ -1,000 | 7 | $ 1,685,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,751,524,000,000 | 7 | $ 685,000 |
| INTERCONTINENTAL CAPITAL GROUP, INC 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 7 | $ 1,805,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 604,528,000 | 7 | $ 2,435,000 |
| HOMEOWNERS FINANCIAL GROUP USA, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85264 |
* | $ -1,000 | 7 | $ 2,535,000 |
| MORTGAGES UNLIMITED INC. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ -1,000 | 6 | $ 1,540,000 |
| SOUTHPOINT FINANCIAL 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 369,032,000 | 6 | $ 1,210,000 |
| HERITAGE BANK NATIONAL ASSOCIATION 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 6 | $ 770,000 |
| DEERWOOD BANK 21236 ARCHIBALD ROAD WAITE PARK, MN 56444 |
* | $ 719,021,000 | 6 | $ 1,590,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 920,000 |
| MUTUAL OF OMAHA MORTGAGE, INC. 3131 CAMINO DEL RIO N 190 WILMINGTON, DE 92108 |
* | $ -1,000 | 6 | $ 1,230,000 |
| FIRST BANK & TRUST 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 6 | $ 1,810,000 |
| AMERICAN FEDERAL BANK 215 N 5TH ST FARGO, ND 58102 |
* | $ 628,546,000 | 6 | $ 1,550,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 1,730,000 |
| PLAINS COMMERCE BANK 220 MAIN ST SIOUX FALLS, SD 57450 |
* | $ 707,275,000 | 6 | $ 1,640,000 |
| LIBERTY BANK MINNESOTA 111 7TH AVE S ST. CLOUD, MN 56301 |
* | $ 218,686,000 | 6 | $ 1,600,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ -1,000 | 5 | $ 665,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ -1,000 | 5 | $ 1,225,000 |
| HIWAY CREDIT UNION 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,237,913,000 | 5 | $ 975,000 |
| CHURCHILL MORTGAGE CORPORATION 761 OLD HICKORY BLVD SUITE 400 NASHVILLE, TN 37027 |
* | $ -1,000 | 5 | $ 1,265,000 |
| COLONIAL SAVINGS, F.A. P O BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,065,955,000 | 5 | $ 1,135,000 |
| THINK MUTUAL BANK 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,669,828,000 | 5 | $ 995,000 |
| AGCOUNTRY FARM CREDIT SERVICES, FLCA 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 5 | $ 1,185,000 |
| SUMMIT MORTGAGE CORPORATION 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55441 |
* | $ -1,000 | 5 | $ 1,295,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 5 | $ 1,805,000 |
| OLD NATIONAL BANK ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 5 | $ 1,405,000 |
| COMPEER FINANCIAL, FLCA 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 5 | $ 1,445,000 |
| AMERICAN FINANCIAL NETWORK, INC. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 1,240,000 |
| FRANDSEN BANK & TRUST 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,708,246,000 | 4 | $ 1,210,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 1,070,000 |
| SOFI LENDING CORP. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 4 | $ 720,000 |
| BAY EQUITY LLC 28 LIBERTY SHIPWAY SUITE 2800 GLENDALE, CA 94965 |
* | $ -1,000 | 4 | $ 1,140,000 |
| CITIZENS BANK MINNESOTA 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 432,148,000 | 4 | $ 760,000 |
| FIRST RESOURCE BANK 7449 VILLAGE DRIVE LINO LAKES, MN 55014 |
* | $ 223,215,000 | 4 | $ 2,960,000 |
| SPRING EQ, LLC 2929 ARCH ST WILMINGTON, DE 19104 |
* | $ -1,000 | 3 | $ 395,000 |
| GOLDWATER BANK, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 3 | $ 715,000 |
| LEND SMART MORTGAGE, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 3 | $ 785,000 |
| WATERSTONE MORTGAGE CORPORATION N25 W23255 PAUL ROAD PEWAUKEE, WI 53072 |
* | $ -1,000 | 3 | $ 905,000 |
| ENVOY MORTGAGE, LTD 5100 WESTHEIMER RD, STE 320 AUSTIN, TX 77056 |
* | $ -1,000 | 3 | $ 885,000 |
| NORTHVIEW BANK 510 MAIN SANDSTONE, MN 55072 |
* | $ 327,028,000 | 3 | $ 1,185,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 3 | $ 595,000 |
| FIRST INTERNATIONAL BANK & TRUST 1600 S BDWAY WATFORD CITY, ND 58701 |
* | $ 3,466,051,000 | 3 | $ 5,825,000 |
| BMO BANK NATIONAL ASSOCIATION 111 W. MONROE CHICAGO, IL 60603 |
* | $ 137,588,093,000 | 3 | $ 595,000 |
| LOWER, LLC 5950 SYMPHONY WOODS DRIVE LUTHERVILLE, MD 21044 |
* | $ -1,000 | 3 | $ 1,665,000 |
| WESTSTAR MORTGAGE CORPORATION 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 75038 |
* | $ -1,000 | 3 | $ 715,000 |
| STEARNS LENDING, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 3 | $ 495,000 |
| CHICAGO MORTGAGE SOLUTIONS LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 3 | $ 985,000 |
| TOWN AND COUNTRY CREDIT UNION 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 484,003,000 | 3 | $ 915,000 |
| BARRINGTON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 885,000 |
| WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 3 | $ 895,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 3 | $ 525,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ -1,000 | 3 | $ 665,000 |
| PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 3 | $ 945,000 |
| SOVEREIGN LENDING GROUP INCORPORATED 3540 HOWARD WAY STE # 200 COSTA MESA, CA 92626 |
* | $ -1,000 | 3 | $ 875,000 |
| AMERICAN INTERNET MORTGAGE, INC. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 3 | $ 1,015,000 |
| TOPLINE FINANCIAL CREDIT UNION 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 470,364,000 | 3 | $ 705,000 |
| KS STATEBANK 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 3 | $ 735,000 |
| BANKVISTA 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 347,062,000 | 3 | $ 1,185,000 |
| TOWNE MORTGAGE COMPANY 2170 E. BIG BEAVER ROAD, SUITE A PLYMOUTH, MI 48083 |
* | $ -1,000 | 2 | $ 560,000 |
| BANK MIDWEST 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 948,772,000 | 2 | $ 550,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 550,000 |
| IDEAL CREDIT UNION 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 763,132,000 | 2 | $ 680,000 |
| GUARANTEED RATE AFFINITY, LLC 1800 WEST LARCHMONT AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 2 | $ 650,000 |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 700 EAST GATE DRIVE, SUITE 400 WILMINGTON, DE 08054 |
* | $ -1,000 | 2 | $ 340,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 119,432,105,000 | 2 | $ 220,000 |
| NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 COLUMBUS, OH 44131 |
* | $ -1,000 | 2 | $ 290,000 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 AUSTIN, TX 75024 |
* | $ -1,000 | 2 | $ 480,000 |
| GUARANTY HOME MORTGAGE CORPORATION 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 2 | $ 810,000 |
| AMERICAN BANK OF THE NORTH 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 529,062,000 | 2 | $ 350,000 |
| RENASANT BANK 209 TROY ST., P.O. BOX 709 TUPELO, MS 38802 |
* | $ 13,387,533,000 | 2 | $ 800,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ -1,000 | 2 | $ 310,000 |
| LAKE AREA BANK 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 359,274,000 | 2 | $ 410,000 |
| STRONG HOME MORTGAGE, LLC 9408 GRANT AVE STE 302 DOVER, DE 22192 |
* | $ -1,000 | 2 | $ 780,000 |
| KELLER MORTGAGE, LLC 4725 LAKEHURST CT SUITE 400 HILLIARD, OH 43016 |
* | $ -1,000 | 2 | $ 410,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 370,002,264,000 | 2 | $ 280,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 170,000 |
| FORESIGHT BANK 138 WEST BROADWAY PLAINVIEW, MN 55964 |
* | $ 262,518,000 | 2 | $ 790,000 |
| PEOPLES BANK 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ 1,326,463,000 | 2 | $ 170,000 |
| BANK OF THE WEST 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 2 | $ 690,000 |
| ROUNDBANK 200 SECOND STREET NE, PO BOX 667 WASECA, MN 56093 |
* | $ 325,074,000 | 2 | $ 250,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 590,000 |
| BAXTER CREDIT UNION 340 N MILWAUKEE AVE VERNON HILLS, IL 60061 |
* | $ 3,921,403,000 | 2 | $ 840,000 |
| EMPEOPLE CREDIT UNION 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 2 | $ 240,000 |
| LENDINGONE, LLC 901 YAMATO RD #150 DOVER, DE 33431 |
* | $ -1,000 | 2 | $ 350,000 |
| STIFEL BANK AND TRUST 501 N BROADWAY SAINT LOUIS, MO 63141 |
* | $ 14,144,676,000 | 2 | $ 460,000 |
| LAND HOME FINANCIAL SERVICES, INC. 1355 WILLOW WAY, SUITE 250 SACRAMENTO, CA 94520 |
* | $ -1,000 | 2 | $ 220,000 |
| AXIA FINANCIAL, LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 2 | $ 500,000 |
| CORTRUST MORTGAGE, INC. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 2 | $ 570,000 |
| AMERICAN BANK & TRUST 120 E MAIN STREET SIOUX FALLS, SD 57382 |
* | $ 985,338,000 | 2 | $ 700,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ -1,000 | 2 | $ 500,000 |
| MEGASTAR FINANCIAL CORP. 1080 CHEROKEE STREET DENVER, CO 80205 |
* | $ -1,000 | 2 | $ 380,000 |
| TEXAS CAPITAL BANK, NATIONAL ASSOCIATION 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 305,000 |
| TCF NATIONAL BANK 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 155,000 |
| PRIMARY RESIDENTIAL MORTGAGE, INC. 1480 N 2200 W CARSON CITY, NV 84116 |
* | $ -1,000 | 1 | $ 95,000 |
| CLICK N' CLOSE, INC. 15301 SPECTRUM DRIVE, SUITE 405 ROCKY RIVER, OH 75001 |
* | $ -1,000 | 1 | $ 245,000 |
| LAKE ELMO BANK 11465 39TH STREET NORTH LAKE ELMO, MN 55042 |
* | $ 376,074,000 | 1 | $ 305,000 |
| FIRSTBANK 11 CHANNING WAY NASHVILLE, TN 38305 |
* | $ 6,120,102,000 | 1 | $ 425,000 |
| GREAT WESTERN BANK 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 1 | $ 105,000 |
| PLUS RELOCATION MORTGAGE, LLC 1100 VIRGINIA DRIVE, SUITE 125 WILMINGTON, DE 19034 |
* | $ -1,000 | 1 | $ 175,000 |
| NEWREZ VENTURES LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ -1,000 | 1 | $ 175,000 |
| PRIME CHOICE FUNDING INC. 17852 17TH ST #107 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 455,000 |
| TRIUMPH BANK 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 837,096,000 | 1 | $ 165,000 |
| BRIDGEWATER BANK 3800 AMERICAN BLVD WEST, SUITE 100 SAINT LOUIS PARK, MN 55431 |
* | $ 2,263,871,000 | 1 | $ 175,000 |
| HOME FEDERAL SAVINGS BANK 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 777,069,000 | 1 | $ 1,115,000 |
| RUOFF MORTGAGE COMPANY, INC. 1700 MAGNAVOX WAY SUITE 220 INDIANAPOLIS, IN 46804 |
* | $ -1,000 | 1 | $ 175,000 |
| CHARLES SCHWAB BANK, SSB 2360 CORPORATE CIRCLE WESTLAKE, TX 89074 |
* | $ 216,654,000,000 | 1 | $ 755,000 |
| FIRST DAKOTA NATIONAL BANK 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,776,882,000 | 1 | $ 8,805,000 |
| ALLY BANK 2101, 300 EAST REXFORD RD SANDY, UT 28211 |
* | $ 167,492,000,000 | 1 | $ 935,000 |
| JLB CORPORATION 111 WESTPORT PLAZA, #1150 CLAYTON, MO 63146 |
* | $ -1,000 | 1 | $ 285,000 |
| AMERIFIRST FINANCIAL CORPORATION 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 1 | $ 165,000 |
| GRAND RIVER BANK 4471 WILSON AVENUE SW GRANDVILLE, MI 49418 |
* | $ 321,158,000 | 1 | $ 205,000 |
| SHERBURNE STATE BANK 12500 SHERBURNE AVE BECKER, MN 55308 |
* | $ 131,371,000 | 1 | $ 195,000 |
| WATERMARK CAPITAL, INC. 100 SPECTRUM CENTER DR STE 150 SACRAMENTO, CA 92618 |
* | $ -1,000 | 1 | $ 465,000 |
| FIRST COMMUNITY MORTGAGE, INC. 275 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 165,000 |
| TOWN & COUNTRY BANC MORTGAGE SERVICES, INC. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 1 | $ 545,000 |
| CITIZENS COMMUNITY FEDERAL NATIONAL ASSOCIATION 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 1,531,129,000 | 1 | $ 125,000 |
| AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 115,000 |
| EQUITY PRIME MORTGAGE LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 225,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 105,000 |
| MIDWEST HERITAGE BANK, FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 285,828,000 | 1 | $ 255,000 |
| UNISON BANK PO BOX 2056 JAMESTOWN, ND 58402 |
* | $ 336,858,000 | 1 | $ 555,000 |
| MIDWESTONE BANK 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 4,645,441,000 | 1 | $ 225,000 |
| CANOPY MORTGAGE, LLC 380 TECHNOLOGY CT, SUITE 200 LEHI, UT 84042 |
* | $ -1,000 | 1 | $ 265,000 |
| POLARIS HOME FUNDING CORP. 151 44TH ST. SW ENGLEWOOD, FL 49418 |
* | $ -1,000 | 1 | $ 145,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,384,707,000,000 | 1 | $ 285,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 205,000 |
| SPIRE CREDIT UNION 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 1,242,853,000 | 1 | $ 155,000 |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 6,525,000 |
| CITY NATIONAL BANK 555 SOUTH FLOWER STREET LOS ANGELES, CA 90071 |
* | $ 61,390,143,000 | 1 | $ 695,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 255,000 |
| UNITED SECURITY FINANCIAL CORP 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 195,000 |
| GOODLEAP, LLC 8781 SIERRA COLLEGE BLVD GLENDALE, CA 95661 |
* | $ -1,000 | 1 | $ 135,000 |
| GREAT RIVER FEDERAL CREDIT UNION 1532 W ST GERMAIN STREET SAINT CLOUD, MN 56301 |
* | $ 188,892,000 | 1 | $ 55,000 |
| ACCELERATE MORTGAGE, LLC 750 PRIDES CROSSING #303 NEWARK, DE 19713 |
* | $ -1,000 | 1 | $ 225,000 |
| SIRVA MORTGAGE, INC. 6200 OAK TREE BLVD STE 300 UPPER ARLINGTON, OH 44131 |
* | $ -1,000 | 1 | $ 545,000 |
| UBS BANK USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 63,780,722,000 | 1 | $ 555,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 75,000 |
| FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 WILMINGTON, DE 28277 |
* | $ -1,000 | 1 | $ 75,000 |
| HANCOCK MORTGAGE PARTNERS, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 1 | $ 175,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 305,000 |
| ALLIANCE BANK 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 639,882,000 | 1 | $ 115,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 1 | $ 95,000 |
| ALLIED FIRST BANK,SB 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 109,679,000 | 1 | $ 245,000 |
| CONNEXUS CREDIT UNION 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 2,675,632,000 | 1 | $ 255,000 |
| GREAT SOUTHERN BANK 218 S GLENSTONE AVE REEDS SPRING, MO 65802 |
* | $ 5,014,991,000 | 1 | $ 125,000 |
| NBKC BANK 8320 WARD PARKWAY KANSAS, KS 64114 |
* | $ 833,228,000 | 1 | $ 605,000 |
| WESTCONSIN CREDIT UNION 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 1,336,372,000 | 1 | $ 145,000 |
| LONGBRIDGE FINANCIAL, LLC ONE INTERNATIONAL BLVD. NEWARK, DE 07495 |
* | $ -1,000 | 1 | $ 265,000 |
| MINNWEST BANK 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 2,068,880,000 | 1 | $ 335,000 |
| FIRST COMMUNITY CREDIT UNION 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 1 | $ 225,000 |
| PREMIA MORTGAGE, LLC DBA PREMIA RELOCATION MORTGAGE 5480 CORPORATE DRIVE SUITE 240 WILMINGTON, DE 48098 |
* | $ -1,000 | 1 | $ 225,000 |
| RESULTS MORTGAGE, LLC 11200 WEST 78TH STREET, SUITE 50 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 205,000 |
| ST. CLOUD FINANCIAL 3030 1ST ST S ST. CLOUD, MN 56301 |
* | $ 202,109,000 | 1 | $ 175,000 |
| MERIDIAN BANK 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 1,149,979,000 | 1 | $ 395,000 |
| ZILLOW HOME LOANS, LLC 10975 EL MONTE ST WICHITA, KS 66211 |
* | $ -1,000 | 1 | $ 185,000 |
| NP, INC. E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 205,000 |
| AXOS BANK 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 505,000 |
| VALLEY MORTGAGE, INC. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 1 | $ 215,000 |
| INTELLILOAN, INC. 4 PARK PLAZA SUITE 800 ORANGE, CA 92614 |
* | $ -1,000 | 1 | $ 235,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 24,774,361,000 | 1 | $ 375,000 |
| CELEBRITY HOME LOANS, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 1 | $ 155,000 |
| ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD., SUITE 900 BALTIMORE, MD 11553 |
* | $ -1,000 | 1 | $ 9,205,000 |
| ARVEST BANK 201 W WALNUT FAYETTEVILLE, AR 72756 |
* | $ 19,445,554,000 | 1 | $ 225,000 |
| MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION 2000 WESTCHESTER AVE NEW YORK, NY 10577 |
* | $ 83,036,000,000 | 1 | $ 515,000 |
| CHERRY CREEK MORTGAGE, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 205,000 |
| BLACKHAWK BANK 400 BROAD ST. BELOIT, WI 53511 |
* | $ 961,480,000 | 1 | $ 285,000 |
| FIFTH THIRD BANK, NATIONAL ASSOCIATION 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 285,000 |
| HOMESTEAD FUNDING CORP. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 475,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2021, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Douglas 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 | 1,094 | $246,920,000 | $225,000 | $6,525,000 | $114,000 | $1,247,000 |
| Home Purchase | 888 | $254,030,000 | $286,000 | $8,805,000 | $114,000 | $734,000 |
| Cash-out Refinancing | 591 | $144,995,000 | $245,000 | $9,205,000 | $100,000 | $450,000 |
| Other Purpose | 138 | $16,330,000 | $118,000 | $1,005,000 | $129,000 | $755,000 |
| Home Improvement | 79 | $6,795,000 | $86,000 | $505,000 | $136,000 | $871,000 |
| Not Applicable | 9 | $895,000 | $99,000 | $155,000 | $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 | 2,166 | $491,390,000 | $226,000 | $2,575,000 | $113,000 | $1,247,000 |
| Not Provided | 327 | $65,355,000 | $199,000 | $1,255,000 | $114,000 | $700,000 |
| Not applicable | 257 | $101,985,000 | $396,000 | $9,205,000 | $171,000 | $576,000 |
| Hispanic | 25 | $4,865,000 | $194,000 | $375,000 | $72,000 | $188,000 |
| Black or African American | 10 | $2,470,000 | $247,000 | $355,000 | $93,000 | $157,000 |
| American Indian or Alaskan Native | 9 | $2,595,000 | $288,000 | $475,000 | $116,000 | $235,000 |
| Asian | 5 | $1,305,000 | $261,000 | $325,000 | $96,000 | $120,000 |
| 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) | 2,332 | $567,200,000 | $243,000 | $9,205,000 | $118,000 | $1,247,000 |
| VA-guaranteed (Veterans Administration) | 206 | $54,890,000 | $266,000 | $815,000 | $79,000 | $417,000 |
| FHA-insured (Federal Housing Administration) | 191 | $35,325,000 | $184,000 | $355,000 | $60,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $12,550,000 | $179,000 | $345,000 | $52,000 | $95,000 |
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 | 1,853 | $453,295,000 | $244,000 | $9,205,000 | $116,000 | $1,247,000 |
| Application Withdrawn By Applicant | 306 | $71,240,000 | $232,000 | $1,265,000 | $109,000 | $708,000 |
| Application Denied By Financial Institution | 234 | $52,190,000 | $223,000 | $2,575,000 | $97,000 | $650,000 |
| Loan Purchased By The Institution | 229 | $58,795,000 | $256,000 | $935,000 | $160,000 | $699,000 |
| File Closed For Incompleteness | 114 | $23,210,000 | $203,000 | $545,000 | $90,000 | $540,000 |
| Application Approved But Not Accepted | 62 | $11,100,000 | $179,000 | $585,000 | $85,000 | $428,000 |
| Preapproval Approved but not Accepted | 1 | $135,000 | $135,000 | $135,000 | $91,000 | $91,000 |
| 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 | 2,537 | $608,945,000 | $240,000 | $9,205,000 | $114,000 | $1,247,000 |
| Debt-To-Income Ratio | 102 | $25,380,000 | $248,000 | $2,405,000 | $74,000 | $475,000 |
| Credit Application Incomplete | 44 | $10,600,000 | $240,000 | $1,255,000 | $125,000 | $529,000 |
| Credit History | 38 | $6,630,000 | $174,000 | $445,000 | $81,000 | $227,000 |
| Collateral | 31 | $8,695,000 | $280,000 | $2,575,000 | $177,000 | $650,000 |
| Other | 29 | $6,075,000 | $209,000 | $515,000 | $87,000 | $213,000 |
| Unverifiable Information | 12 | $2,330,000 | $194,000 | $565,000 | $119,000 | $555,000 |
| Employment History | 4 | $610,000 | $152,000 | $225,000 | $47,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $700,000 | $350,000 | $465,000 | $95,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.