Houston County, MN Mortgage Lenders & HMDA Data, 2021

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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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 1,042
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 Company List for Lending in Houston County, MN for 2021

* 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
* $ 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.

Mortgage Loan Application Detail Totals for Houston County, MN in 2021

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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