Grant County, MN Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 207 mortgage applications in Grant County, MN totaling $20.6 million, down 35% from 2007. The average application was for $99,000, and applicants reported an average income of $53,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was JPMorgan Chase Bank, NA, with 28 applications, followed by Wells Fargo Bank, NA and Star 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 | 207 |
| Total Mortgage Loan Application Amount | $20,563,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $495,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $403,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 28 | $ 2,746,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 26 | $ 2,822,000 |
| Star Bank PO BOX 188 BERTHA, MN 56437 |
* | $ 108,483,000 | 23 | $ 1,439,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 13 | $ 1,107,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 10 | $ 1,013,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,222,682,000 | 9 | $ 720,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 9 | $ 653,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 7 | $ 748,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 7 | $ 882,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 291,390,000 | 6 | $ 1,106,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 833,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 519,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 205,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 579,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 455,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 3 | $ 373,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,815,913,000 | 3 | $ 313,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 314,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 143,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 404,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 30,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 239,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 255,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 206,000 |
| Riverwood Bank 14091 BAXTER DR #117 BAXTER, MN 56425 |
* | $ 167,997,000 | 2 | $ 158,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 322,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,343,178,000 | 2 | $ 136,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 864,696,000 | 1 | $ 72,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 107,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 70,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 1 | $ 120,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 44,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 46,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 480,116,000 | 1 | $ 48,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,354,950,000 | 1 | $ 204,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 101,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 189,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 20,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 35,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 166,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 50,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 19,000 |
The tables below break down 2008 mortgage applications in Grant 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 Grant 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 | 126 | $14,447,000 | $114,000 | $495,000 | $57,000 | $403,000 |
| Home Purchase | 57 | $5,199,000 | $91,000 | $240,000 | $45,000 | $185,000 |
| Home Improvement | 24 | $917,000 | $38,000 | $97,000 | $52,000 | $84,000 |
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 | 170 | $16,624,000 | $97,000 | $495,000 | $56,000 | $403,000 |
| Not applicable | 18 | $1,771,000 | $98,000 | $204,000 | $26,000 | $85,000 |
| Not Provided | 15 | $1,873,000 | $124,000 | $240,000 | $60,000 | $185,000 |
| Hispanic | 2 | $139,000 | $69,000 | $125,000 | $57,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $156,000 | $78,000 | $140,000 | $55,000 | $69,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 163 | $15,456,000 | $94,000 | $495,000 | $57,000 | $403,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,790,000 | $118,000 | $231,000 | $42,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $968,000 | $96,000 | $158,000 | $25,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 2 | $349,000 | $174,000 | $240,000 | $101,000 | $125,000 |
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 | 114 | $10,822,000 | $94,000 | $495,000 | $58,000 | $403,000 |
| Loan Purchased By The Institution | 34 | $3,853,000 | $113,000 | $226,000 | $43,000 | $185,000 |
| Application Denied By Financial Institution | 32 | $2,664,000 | $83,000 | $237,000 | $42,000 | $77,000 |
| Application Withdrawn By Applicant | 12 | $1,543,000 | $128,000 | $240,000 | $60,000 | $185,000 |
| Application Approved But Not Accepted | 8 | $775,000 | $96,000 | $209,000 | $53,000 | $110,000 |
| File Closed For Incompleteness | 7 | $906,000 | $129,000 | $203,000 | $63,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $400,000 | $66,000 | $124,000 | $44,000 | $72,000 |
| Collateral | 5 | $597,000 | $119,000 | $237,000 | $40,000 | $65,000 |
| Debt-To-Income Ratio | 3 | $142,000 | $47,000 | $96,000 | $25,000 | $33,000 |
| Other | 2 | $59,000 | $29,000 | $40,000 | $48,000 | $77,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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