Houston County, MN Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,047 mortgage applications in Houston County, MN totaling $133.6 million, down 9% from 2010. The average application was for $127,000, and applicants reported an average income of $70,000. 68% of applications resulted in an originated loan and 11% were denied. The most active lender was Merchants Bank, National Association, with 343 applications, followed by Altra Federal Credit Union and Associated Bank NA.
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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 | 1,047 |
| Total Mortgage Loan Application Amount | $133,640,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,542,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $771,000 |
* 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 |
|---|---|---|---|---|
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,151,636,000 | 343 | $ 40,490,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 781,696,000 | 209 | $ 28,353,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,813,152,000 | 64 | $ 6,987,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 62 | $ 8,705,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 880,740,000 | 38 | $ 3,823,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 70,596,000 | 36 | $ 6,732,000 |
| Eastwood Bank 5125 HWY 52 N ROCHESTER, MN 55901 |
* | $ 499,911,000 | 29 | $ 2,390,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 22 | $ 2,295,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 416,223,000 | 16 | $ 1,737,000 |
| Community Credit Union 311 MAIN ST LA CROSSE, WI 54601 |
* | $ 104,410,000 | 15 | $ 1,468,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ 317,310,000 | 15 | $ 1,279,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 12 | $ 1,867,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 12 | $ 1,879,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 11 | $ 2,478,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ 57,120,000 | 11 | $ 959,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,194,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 9 | $ 1,120,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 42,751,000 | 8 | $ 1,010,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,303,401,000 | 8 | $ 858,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 47,303,000 | 7 | $ 856,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 265,506,000 | 6 | $ 952,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 97,322,000 | 6 | $ 500,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 6 | $ 1,000,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 6 | $ 700,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 5 | $ 711,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 494,772,000 | 5 | $ 751,000 |
| Rushford State Bank 219 SOUTH MILL STREET PO BOX 648 RUSHFORD, MN 55971 |
* | $ 46,589,000 | 4 | $ 445,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 4 | $ 681,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 619,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 257,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 632,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 3 | $ 990,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 514,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 758,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ 84,627,000 | 3 | $ 561,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 256,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 162,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 390,898,000 | 2 | $ 237,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 61,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 306,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 2 | $ 331,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 284,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 371,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 291,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 215,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 115,000 |
| National Bank of St Anne 158 WEST STATION ST ST ANNE, IL 60964 |
* | $ 45,737,000 | 1 | $ 87,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 161,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 201,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 95,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 73,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 11,750,980,000 | 1 | $ 89,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 44,000 |
| Citizens State Bank of Hayfiel 216 1ST AVE NE HAYFIELD, MN 55940 |
* | $ 62,668,000 | 1 | $ 24,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 388,915,000 | 1 | $ 53,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 752,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 44,975,270,000 | 1 | $ 83,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 108,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 573,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 114,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 184,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 242,561,000 | 1 | $ 271,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 828,468,000 | 1 | $ 2,000 |
| Building Trades Federal Credit Union 12080 73RD AVE N MAPLE GROVE, MN 55369 |
* | $ 101,215,000 | 1 | $ 43,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 488,959,000 | 1 | $ 73,000 |
The tables below break down 2011 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 2011
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 | 730 | $100,886,000 | $138,000 | $1,542,000 | $77,000 | $771,000 |
| Home Purchase | 229 | $29,279,000 | $127,000 | $630,000 | $52,000 | $215,000 |
| Home Improvement | 88 | $3,475,000 | $39,000 | $242,000 | $63,000 | $403,000 |
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 | 896 | $110,242,000 | $123,000 | $1,542,000 | $71,000 | $771,000 |
| Not Provided | 114 | $17,211,000 | $150,000 | $557,000 | $81,000 | $635,000 |
| Not applicable | 26 | $4,439,000 | $170,000 | $752,000 | $4,000 | $109,000 |
| Hispanic | 6 | $793,000 | $132,000 | $176,000 | $60,000 | $115,000 |
| American Indian or Alaskan Native | 3 | $528,000 | $176,000 | $224,000 | $115,000 | $179,000 |
| Asian | 1 | $162,000 | $162,000 | $162,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $81,000 | $81,000 |
| 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) | 940 | $118,887,000 | $126,000 | $1,542,000 | $73,000 | $771,000 |
| FHA-insured (Federal Housing Administration) | 63 | $8,203,000 | $130,000 | $331,000 | $44,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,837,000 | $109,000 | $230,000 | $35,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,713,000 | $206,000 | $582,000 | $59,000 | $232,000 |
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 | 708 | $84,846,000 | $119,000 | $556,000 | $73,000 | $426,000 |
| Application Denied By Financial Institution | 111 | $15,544,000 | $140,000 | $1,542,000 | $67,000 | $771,000 |
| Application Withdrawn By Applicant | 102 | $16,057,000 | $157,000 | $630,000 | $70,000 | $635,000 |
| Application Approved But Not Accepted | 70 | $8,607,000 | $122,000 | $334,000 | $65,000 | $240,000 |
| Loan Purchased By The Institution | 37 | $5,606,000 | $151,000 | $752,000 | $35,000 | $136,000 |
| File Closed For Incompleteness | 19 | $2,980,000 | $156,000 | $352,000 | $80,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 32 | $3,459,000 | $108,000 | $557,000 | $46,000 | $207,000 |
| Credit History | 22 | $2,494,000 | $113,000 | $582,000 | $73,000 | $260,000 |
| Collateral | 15 | $3,739,000 | $249,000 | $1,542,000 | $137,000 | $771,000 |
| Other | 10 | $1,720,000 | $172,000 | $573,000 | $74,000 | $229,000 |
| Credit Application Incomplete | 7 | $1,647,000 | $235,000 | $424,000 | $60,000 | $122,000 |
| Unverifiable Information | 2 | $218,000 | $109,000 | $148,000 | $4,000 | $8,000 |
| Employment History | 2 | $179,000 | $89,000 | $101,000 | $50,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $338,000 | $169,000 | $315,000 | $90,000 | $156,000 |
| Mortgage Insurance Denied | 2 | $335,000 | $167,000 | $229,000 | $59,000 | $78,000 |
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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