Houston County, MN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 585 mortgage applications in Houston County, MN totaling $112.5 million, up 11% from 2024. The average application was for $192,000, and applicants reported an average income of $108,000. 72% of applications resulted in an originated loan and 8% were denied. The most active lender was Altra Federal Credit Union, with 180 applications, followed by Merchants Bank, National Association and Esb 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 | 585 |
| Total Mortgage Loan Application Amount | $112,545,000 |
| Average Mortgage Loan Application Amount | $192,000 |
| Highest Mortgage Loan Application Amount | $1,335,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $689,000 |
* 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 |
|---|---|---|---|---|
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 180 | $ 27,310,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 64 | $ 10,360,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ n/a | 42 | $ 9,100,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 16 | $ 4,250,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 15 | $ 3,815,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 15 | $ 2,145,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 15 | $ 1,465,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 13 | $ 1,245,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 10 | $ 2,640,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ n/a | 8 | $ 2,330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 2,375,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 7 | $ 1,585,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 7 | $ 1,115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 760,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 5 | $ 1,125,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 5 | $ 445,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 1,060,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 1,270,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ n/a | 4 | $ 850,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 4 | $ 760,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ n/a | 4 | $ 1,760,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 940,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 4 | $ 870,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 1,360,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 220,000 |
| The First National Bank of Bangor 1798 COMMERCIAL ST BANGOR, WI 54614 |
* | $ n/a | 3 | $ 635,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 485,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 795,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 805,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 3 | $ 955,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ n/a | 3 | $ 615,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ n/a | 3 | $ 955,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 505,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 945,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ n/a | 3 | $ 605,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 1,055,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 475,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 1,405,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 350,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 450,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 430,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 630,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 2 | $ 820,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ n/a | 2 | $ 670,000 |
| F & M Community Bank, N.A. PO BOX 467 PRESTON, MN 55965 |
* | $ n/a | 2 | $ 490,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 100,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 2 | $ 90,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ n/a | 2 | $ 870,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 430,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 140,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 480,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 210,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 2 | $ 820,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ n/a | 1 | $ 85,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 185,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ n/a | 1 | $ 105,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 325,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 535,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ n/a | 1 | $ 65,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 205,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 245,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 1 | $ 645,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 405,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ n/a | 1 | $ 145,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ n/a | 1 | $ 265,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 205,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 275,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 385,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 305,000 |
| Kerndt Brothers Savings Bank 370 MAIN ST PO BOX 370 LANSING, IA 52151 |
* | $ n/a | 1 | $ 35,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ n/a | 1 | $ 145,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ n/a | 1 | $ 55,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 195,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 245,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ n/a | 1 | $ 35,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 175,000 |
| Imagine Home Lending, LLC 1037 RIDERS CLUB RD ONALASKA, WI 54650 |
* | $ n/a | 1 | $ 165,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 1 | $ 185,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 265,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 1 | $ 295,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 245,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ n/a | 1 | $ 205,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 315,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 275,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 75,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 1 | $ 185,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 265,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 1 | $ 1,335,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 155,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 175,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 75,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 135,000 |
| South Metro Federal Credit Uni 2573 CREDIT UNION DRIVE PRIOR LAKE, MN 55372 |
* | $ n/a | 1 | $ 245,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 185,000 |
| Citizens First Bank 101 S MAIN ST VIROQUA, WI 54665 |
* | $ n/a | 1 | $ 225,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 215,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 395,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2025 mortgage applications in Houston 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 Houston County, MN in 2025
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 | 268 | $66,690,000 | $248,000 | $1,335,000 | $115,000 | $608,000 |
| Refinancing | 113 | $23,295,000 | $206,000 | $1,215,000 | $112,000 | $564,000 |
| Home Improvement | 70 | $4,270,000 | $61,000 | $235,000 | $98,000 | $237,000 |
| Cash-out Refinancing | 67 | $11,675,000 | $174,000 | $455,000 | $84,000 | $190,000 |
| Other Purpose | 64 | $6,110,000 | $95,000 | $435,000 | $115,000 | $689,000 |
| Not Applicable | 3 | $505,000 | $168,000 | $315,000 | $50,000 | $100,000 |
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 | 480 | $90,710,000 | $188,000 | $1,335,000 | $109,000 | $689,000 |
| Not applicable | 45 | $10,205,000 | $226,000 | $645,000 | $99,000 | $160,000 |
| Not Provided | 41 | $8,185,000 | $199,000 | $655,000 | $104,000 | $504,000 |
| Asian | 8 | $1,310,000 | $163,000 | $295,000 | $108,000 | $219,000 |
| Hispanic | 8 | $1,630,000 | $203,000 | $315,000 | $88,000 | $121,000 |
| Black or African American | 2 | $390,000 | $195,000 | $275,000 | $78,000 | $92,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $32,000 | $32,000 |
| 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) | 499 | $91,315,000 | $182,000 | $1,335,000 | $112,000 | $689,000 |
| VA-guaranteed (Veterans Administration) | 41 | $13,045,000 | $318,000 | $655,000 | $89,000 | $303,000 |
| FHA-insured (Federal Housing Administration) | 35 | $6,415,000 | $183,000 | $275,000 | $70,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,770,000 | $177,000 | $315,000 | $84,000 | $119,000 |
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 | 423 | $82,245,000 | $194,000 | $1,335,000 | $116,000 | $689,000 |
| Application Withdrawn By Applicant | 51 | $8,955,000 | $175,000 | $1,005,000 | $85,000 | $322,000 |
| Application Denied By Financial Institution | 44 | $6,530,000 | $148,000 | $1,215,000 | $74,000 | $195,000 |
| Loan Purchased By The Institution | 34 | $7,870,000 | $231,000 | $645,000 | $85,000 | $160,000 |
| Application Approved But Not Accepted | 18 | $3,550,000 | $197,000 | $495,000 | $99,000 | $184,000 |
| File Closed For Incompleteness | 14 | $3,010,000 | $215,000 | $615,000 | $102,000 | $237,000 |
| Preapproval Approved but not Accepted | 1 | $385,000 | $385,000 | $385,000 | $303,000 | $303,000 |
| 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 | 480 | $91,980,000 | $191,000 | $1,335,000 | $109,000 | $689,000 |
| Debt-To-Income Ratio | 78 | $16,090,000 | $206,000 | $755,000 | $113,000 | $532,000 |
| Collateral | 8 | $1,920,000 | $240,000 | $1,215,000 | $106,000 | $195,000 |
| Credit History | 7 | $995,000 | $142,000 | $205,000 | $97,000 | $170,000 |
| Other | 6 | $680,000 | $113,000 | $245,000 | $57,000 | $140,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $225,000 | $89,000 | $132,000 |
| Credit Application Incomplete | 3 | $535,000 | $178,000 | $275,000 | $42,000 | $51,000 |
| 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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