Houston County, MN Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,151 mortgage applications in Houston County, MN totaling $150.7 million, up 10% from 2011. The average application was for $130,000, and applicants reported an average income of $72,000. 74% of applications resulted in an originated loan and 10% were denied. The most active lender was Merchants Bank, National Association, with 366 applications, followed by Altra Federal Credit Union and Wells Fargo Bank NA.
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 | 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 | 1,151 |
| Total Mortgage Loan Application Amount | $150,696,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $1,579,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,359,000 |
* 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 |
* | $ 1,241,069,000 | 366 | $ 43,199,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 840,006,000 | 189 | $ 24,616,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 64 | $ 8,939,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 790,137,000 | 59 | $ 6,836,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 77,540,000 | 58 | $ 9,831,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 53 | $ 6,721,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 33 | $ 3,587,000 |
| Eastwood Bank 5125 HWY 52 N ROCHESTER, MN 55901 |
* | $ 554,616,000 | 22 | $ 2,055,000 |
| Community Credit Union 311 MAIN ST LA CROSSE, WI 54601 |
* | $ 105,739,000 | 22 | $ 2,265,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ 332,257,000 | 20 | $ 1,960,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 18 | $ 1,845,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 18 | $ 2,672,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 16 | $ 2,488,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 275,739,000 | 15 | $ 2,748,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 426,033,000 | 14 | $ 1,930,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 13 | $ 1,930,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ 61,595,000 | 12 | $ 2,492,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 421,886,000 | 10 | $ 1,960,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 44,499,000 | 8 | $ 1,287,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,013,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 112,027,000 | 7 | $ 1,281,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 7 | $ 1,285,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 6 | $ 1,172,000 |
| Rushford State Bank 219 SOUTH MILL STREET PO BOX 648 RUSHFORD, MN 55971 |
* | $ 46,945,000 | 6 | $ 635,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 6 | $ 520,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 6 | $ 797,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 53,485,000 | 5 | $ 500,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ 86,707,000 | 4 | $ 881,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,459,365,000 | 4 | $ 573,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 4 | $ 382,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 4 | $ 593,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 370,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 467,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 367,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 3 | $ 373,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 3 | $ 433,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 12,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 824,231,000 | 2 | $ 421,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 293,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 405,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 345,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 215,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 87,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 24,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 330,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 99,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 89,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 128,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 63,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 79,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 1 | $ 75,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 35,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 167,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 128,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 40,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 142,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 119,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 1,939,325,000 | 1 | $ 53,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,154,398,000 | 1 | $ 205,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,115,825,000 | 1 | $ 162,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 166,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,458,515,000 | 1 | $ 54,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 374,787,000 | 1 | $ 124,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 3,067,409,000 | 1 | $ 178,000 |
| F & M Community Bank, N.A. PO BOX 467 PRESTON, MN 55965 |
* | $ 93,105,000 | 1 | $ 80,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,224,205,000 | 1 | $ 378,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 526,431,000 | 1 | $ 395,000 |
| First Alliance Credit Union 320 ALLIANCE PL NE ROCHESTER, MN 55904 |
* | $ 118,574,000 | 1 | $ 160,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 975,137,000 | 1 | $ 146,000 |
| Citizens Bank and Trust Company 7553 NW BARRY ROAD KANSAS CITY, MO 64153 |
* | $ 866,995,000 | 1 | $ 94,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 314,182,000 | 1 | $ 1,579,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 798,484,000 | 1 | $ 118,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 2,019,284,000 | 1 | $ 96,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 560,055,000 | 1 | $ 22,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 464,395,000 | 1 | $ 365,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 240,000 |
The tables below break down 2012 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 2012
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 | 852 | $117,593,000 | $138,000 | $1,579,000 | $75,000 | $1,359,000 |
| Home Purchase | 230 | $28,792,000 | $125,000 | $435,000 | $65,000 | $400,000 |
| Home Improvement | 69 | $4,311,000 | $62,000 | $1,160,000 | $71,000 | $508,000 |
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 | 982 | $127,392,000 | $129,000 | $1,579,000 | $74,000 | $1,359,000 |
| Not Provided | 141 | $18,414,000 | $130,000 | $400,000 | $67,000 | $400,000 |
| Not applicable | 13 | $2,558,000 | $196,000 | $950,000 | $8,000 | $53,000 |
| Asian | 6 | $1,278,000 | $213,000 | $378,000 | $81,000 | $140,000 |
| American Indian or Alaskan Native | 5 | $604,000 | $120,000 | $222,000 | $63,000 | $89,000 |
| Hispanic | 4 | $450,000 | $112,000 | $184,000 | $67,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,028 | $135,115,000 | $131,000 | $1,579,000 | $76,000 | $1,359,000 |
| FHA-insured (Federal Housing Administration) | 65 | $8,236,000 | $126,000 | $240,000 | $42,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $2,904,000 | $96,000 | $157,000 | $38,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,441,000 | $158,000 | $351,000 | $57,000 | $192,000 |
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 | 846 | $112,461,000 | $132,000 | $1,579,000 | $75,000 | $1,359,000 |
| Application Denied By Financial Institution | 114 | $13,364,000 | $117,000 | $395,000 | $59,000 | $473,000 |
| Application Withdrawn By Applicant | 79 | $10,707,000 | $135,000 | $395,000 | $67,000 | $400,000 |
| Application Approved But Not Accepted | 59 | $7,312,000 | $123,000 | $366,000 | $71,000 | $238,000 |
| Loan Purchased By The Institution | 33 | $4,269,000 | $129,000 | $295,000 | $63,000 | $295,000 |
| File Closed For Incompleteness | 20 | $2,583,000 | $129,000 | $280,000 | $63,000 | $221,000 |
| 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 | 30 | $3,029,000 | $100,000 | $280,000 | $45,000 | $80,000 |
| Debt-To-Income Ratio | 24 | $3,086,000 | $128,000 | $378,000 | $46,000 | $124,000 |
| Collateral | 19 | $2,044,000 | $107,000 | $262,000 | $90,000 | $425,000 |
| Other | 9 | $1,119,000 | $124,000 | $395,000 | $101,000 | $473,000 |
| Credit Application Incomplete | 7 | $1,137,000 | $162,000 | $224,000 | $96,000 | $262,000 |
| Employment History | 4 | $349,000 | $87,000 | $128,000 | $31,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $366,000 | $122,000 | $163,000 | $37,000 | $80,000 |
| Unverifiable Information | 2 | $291,000 | $145,000 | $147,000 | $44,000 | $55,000 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About