In 2021, lenders reported 1,042 mortgage applications in Houston County, MN totaling $180.1 million, down 9% from 2020. The average application was for $172,000, and applicants reported an average income of $94,000. 77% of applications resulted in an originated loan and 7% were denied. The most active lender was Altra Federal Credit Union, with 365 applications, followed by Merchants Bank, National Association and Home Federal Savings 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 | 1,042 |
| Total Mortgage Loan Application Amount | $180,060,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $3,165,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $1,077,000 |
| 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 |
* | $ 1,668,081,000 | 365 | $ 55,425,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 203 | $ 32,455,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 777,069,000 | 50 | $ 10,380,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 30 | $ 5,340,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 21 | $ 4,135,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 20 | $ 3,340,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 16 | $ 3,040,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 16 | $ 2,710,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 15 | $ 2,855,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 14 | $ 2,260,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 857,609,000 | 13 | $ 1,855,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 12 | $ 2,110,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 386,378,000 | 11 | $ 4,875,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 329,986,000 | 10 | $ 1,590,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 1,615,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 2,025,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 8 | $ 1,660,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 2,410,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,960,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 73,583,000 | 7 | $ 775,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 1,255,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,705,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,399,512,000 | 6 | $ 860,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 1,000,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ 415,474,000 | 6 | $ 1,110,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 5 | $ 1,055,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ 89,556,000 | 5 | $ 685,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 1,045,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,145,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 999,726,000 | 5 | $ 535,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 1,800,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 4 | $ 1,050,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 4 | $ 970,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,553,647,000 | 3 | $ 375,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 525,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 525,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 945,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 58,395,000 | 3 | $ 415,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 1,026,124,000 | 3 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 330,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 340,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 700,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 2 | $ 300,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 2 | $ 380,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 200,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 190,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 450,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 380,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 410,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 340,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 1,531,129,000 | 2 | $ 1,190,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 360,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 80,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,523,369,000 | 2 | $ 370,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 2 | $ 370,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 340,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 190,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 115,000 |
| New Market Bank 101 OLD TOWN RD ELKO NEW MARKET, MN 55054 |
* | $ 112,702,000 | 1 | $ 145,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 526,888,000 | 1 | $ 355,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 175,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,237,913,000 | 1 | $ 165,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 235,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 1 | $ 245,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 225,000 |
| Accunet Mortgage LLC 13000 W SILVER SPRING DR. WAUKESHA, WI 53188 |
* | $ -1,000 | 1 | $ 265,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 135,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 1 | $ 145,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 145,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ 107,274,000 | 1 | $ 235,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 245,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 125,000 |
| Austin Capital Bank SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 139,109,000 | 1 | $ 255,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 215,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ -1,000 | 1 | $ 185,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 345,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 6,051,860,000 | 1 | $ 65,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 195,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 115,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 195,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,411,656,000 | 1 | $ 125,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 285,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 35,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 1 | $ 25,000 |
| DHI Mortgage Company, Ltd. 10700 PECAN PARK BLVD, SUITE 450 AUSTIN, TX 78750 |
* | $ -1,000 | 1 | $ 295,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 175,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 295,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 165,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 215,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 175,000 |
| 1st Community Credit Union 1000 W. WISCONSIN STREET SPARTA, WI 54656 |
* | $ 169,746,000 | 1 | $ 155,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 165,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 841,254,000 | 1 | $ 65,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 1 | $ 105,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 185,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 85,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 205,000 |
| Results Mortgage, LLC 11200 WEST 78TH STREET, SUITE 50 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 115,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2021 mortgage applications in Houston County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 461 | $78,555,000 | $170,000 | $3,165,000 | $96,000 | $1,077,000 |
| Home Purchase | 284 | $59,970,000 | $211,000 | $625,000 | $92,000 | $469,000 |
| Cash-out Refinancing | 180 | $33,920,000 | $188,000 | $625,000 | $88,000 | $331,000 |
| Home Improvement | 64 | $3,780,000 | $59,000 | $655,000 | $96,000 | $877,000 |
| Other Purpose | 50 | $3,540,000 | $70,000 | $405,000 | $109,000 | $248,000 |
| Not Applicable | 3 | $295,000 | $98,000 | $115,000 | $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 | 913 | $150,585,000 | $164,000 | $1,095,000 | $93,000 | $1,077,000 |
| Not Provided | 72 | $14,550,000 | $202,000 | $505,000 | $97,000 | $308,000 |
| Not applicable | 27 | $8,775,000 | $325,000 | $3,165,000 | $0 | $0 |
| Asian | 11 | $3,265,000 | $296,000 | $625,000 | $155,000 | $331,000 |
| Hispanic | 9 | $1,085,000 | $120,000 | $265,000 | $88,000 | $174,000 |
| American Indian or Alaskan Native | 6 | $1,450,000 | $241,000 | $315,000 | $118,000 | $167,000 |
| Black or African American | 4 | $350,000 | $87,000 | $135,000 | $59,000 | $88,000 |
| 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) | 934 | $159,700,000 | $170,000 | $3,165,000 | $96,000 | $1,077,000 |
| VA-guaranteed (Veterans Administration) | 54 | $11,430,000 | $211,000 | $505,000 | $69,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 42 | $6,930,000 | $165,000 | $365,000 | $57,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,000,000 | $166,000 | $285,000 | $63,000 | $93,000 |
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 | 802 | $137,860,000 | $171,000 | $3,165,000 | $95,000 | $1,073,000 |
| Application Withdrawn By Applicant | 100 | $19,120,000 | $191,000 | $1,095,000 | $100,000 | $1,077,000 |
| Application Denied By Financial Institution | 72 | $11,160,000 | $155,000 | $625,000 | $78,000 | $877,000 |
| File Closed For Incompleteness | 28 | $5,770,000 | $206,000 | $415,000 | $99,000 | $234,000 |
| Loan Purchased By The Institution | 25 | $4,595,000 | $183,000 | $505,000 | $80,000 | $144,000 |
| Application Approved But Not Accepted | 15 | $1,555,000 | $103,000 | $235,000 | $80,000 | $230,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 958 | $167,120,000 | $174,000 | $3,165,000 | $95,000 | $1,077,000 |
| Debt-To-Income Ratio | 35 | $5,375,000 | $153,000 | $355,000 | $66,000 | $220,000 |
| Credit History | 15 | $1,865,000 | $124,000 | $365,000 | $55,000 | $91,000 |
| Collateral | 11 | $1,325,000 | $120,000 | $225,000 | $148,000 | $877,000 |
| Credit Application Incomplete | 8 | $1,460,000 | $182,000 | $365,000 | $114,000 | $217,000 |
| Other | 7 | $865,000 | $123,000 | $265,000 | $63,000 | $95,000 |
| Unverifiable Information | 4 | $990,000 | $247,000 | $395,000 | $79,000 | $128,000 |
| Employment History | 4 | $1,060,000 | $265,000 | $625,000 | $76,000 | $141,000 |
| 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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