Houston County, MN Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 630 mortgage applications in Houston County, MN totaling $102.1 million, down 40% from 2021. The average application was for $162,000, and applicants reported an average income of $95,000. 76% of applications resulted in an originated loan and 9% were denied. The most active lender was Altra Federal Credit Union, with 188 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 | 630 |
| Total Mortgage Loan Application Amount | $102,100,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $871,000 |
* 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 |
* | $ 2,190,390,000 | 188 | $ 26,870,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 107 | $ 15,495,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 153,762,000 | 32 | $ 5,010,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 1,046,374,000 | 18 | $ 2,260,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,068,836,000 | 17 | $ 2,545,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 16,499,164,000 | 14 | $ 2,690,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 12 | $ 2,480,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 35,057,609,000 | 12 | $ 1,830,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ 103,655,000 | 11 | $ 1,795,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,095,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 10 | $ 1,110,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 9 | $ 2,035,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 1,406,857,000 | 7 | $ 2,605,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 7 | $ 855,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 1,160,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 1,473,594,000 | 6 | $ 870,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 6 | $ 1,410,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 5 | $ 845,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 486,230,000 | 5 | $ 1,075,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 630,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 4 | $ 830,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 4 | $ 1,290,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 4 | $ 700,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 94,442,000 | 4 | $ 1,080,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 480,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 700,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 4 | $ 180,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 3 | $ 185,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ 580,393,000 | 3 | $ 655,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 451,795,000 | 3 | $ 975,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 365,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 3,746,301,000 | 3 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 605,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 205,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 825,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 2 | $ 110,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,965,700,000 | 2 | $ 140,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 2 | $ 690,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 50,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ 478,650,000 | 2 | $ 1,210,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,423,533,000 | 2 | $ 580,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 430,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 690,030,000 | 2 | $ 440,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 360,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 490,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 130,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ 471,074,000 | 2 | $ 370,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 85,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 2,730,710,000 | 1 | $ 305,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 355,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,758,051,000 | 1 | $ 185,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 85,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 195,000 |
| 1st Community Credit Union 1000 W. WISCONSIN STREET SPARTA, WI 54656 |
* | $ 223,317,000 | 1 | $ 205,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 1,739,119,000 | 1 | $ 235,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 6,049,532,000 | 1 | $ 125,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 651,106,000 | 1 | $ 135,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 8,802,432,000 | 1 | $ 25,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 225,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 205,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 185,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 255,000 |
| One Community Bank 733 N MAIN ST OREGON, WI 53575 |
* | $ 1,614,121,000 | 1 | $ 405,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 115,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 75,000 |
| Settlers Bank 4021 MERIDIAN DRIVE WINDSOR, WI 53598 |
* | $ 346,135,000 | 1 | $ 365,000 |
| Results Mortgage, LLC 11200 WEST 78TH STREET, SUITE 50 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 165,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 65,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 23,754,594,000 | 1 | $ 325,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 225,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 105,000 |
| First Alliance Credit Union 320 ALLIANCE PL NE ROCHESTER, MN 55904 |
* | $ 266,899,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 55,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 1 | $ 355,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 69,564,000 | 1 | $ 25,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 1,052,811,000 | 1 | $ 75,000 |
| Community Resource Bank 1605 HERITAGE DRIVE NORTHFIELD, MN 55057 |
* | $ 351,008,000 | 1 | $ 105,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 932,167,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 185,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 295,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 275,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 205,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 355,000 |
| Citizens First Bank 101 S MAIN ST VIROQUA, WI 54665 |
* | $ 276,698,000 | 1 | $ 115,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 1 | $ 245,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2022 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 2022
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 | 252 | $55,110,000 | $218,000 | $975,000 | $91,000 | $495,000 |
| Refinancing | 125 | $19,665,000 | $157,000 | $675,000 | $92,000 | $625,000 |
| Cash-out Refinancing | 97 | $17,645,000 | $181,000 | $715,000 | $81,000 | $384,000 |
| Home Improvement | 92 | $5,130,000 | $55,000 | $265,000 | $111,000 | $871,000 |
| Other Purpose | 61 | $4,235,000 | $69,000 | $485,000 | $114,000 | $367,000 |
| Not Applicable | 3 | $315,000 | $105,000 | $115,000 | $69,000 | $69,000 |
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 | 545 | $85,645,000 | $157,000 | $975,000 | $96,000 | $871,000 |
| Not Provided | 42 | $7,310,000 | $174,000 | $525,000 | $75,000 | $189,000 |
| Not applicable | 30 | $6,020,000 | $200,000 | $965,000 | $64,000 | $69,000 |
| Hispanic | 6 | $2,030,000 | $338,000 | $715,000 | $130,000 | $312,000 |
| Asian | 4 | $750,000 | $187,000 | $295,000 | $91,000 | $156,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $57,000 | $57,000 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $57,000 | $57,000 |
| 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) | 573 | $90,575,000 | $158,000 | $975,000 | $97,000 | $871,000 |
| VA-guaranteed (Veterans Administration) | 29 | $6,255,000 | $215,000 | $355,000 | $70,000 | $131,000 |
| FHA-insured (Federal Housing Administration) | 24 | $4,540,000 | $189,000 | $355,000 | $69,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $730,000 | $182,000 | $275,000 | $74,000 | $95,000 |
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 | 480 | $77,720,000 | $161,000 | $975,000 | $99,000 | $871,000 |
| Application Denied By Financial Institution | 54 | $7,250,000 | $134,000 | $335,000 | $78,000 | $452,000 |
| Application Withdrawn By Applicant | 53 | $10,465,000 | $197,000 | $465,000 | $91,000 | $384,000 |
| Loan Purchased By The Institution | 23 | $3,735,000 | $162,000 | $355,000 | $68,000 | $105,000 |
| Application Approved But Not Accepted | 11 | $1,385,000 | $125,000 | $435,000 | $65,000 | $180,000 |
| File Closed For Incompleteness | 9 | $1,545,000 | $171,000 | $355,000 | $48,000 | $85,000 |
| 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 | 535 | $87,345,000 | $163,000 | $975,000 | $95,000 | $625,000 |
| Debt-To-Income Ratio | 56 | $10,360,000 | $185,000 | $645,000 | $102,000 | $871,000 |
| Collateral | 12 | $1,720,000 | $143,000 | $295,000 | $106,000 | $452,000 |
| Credit Application Incomplete | 10 | $1,240,000 | $124,000 | $235,000 | $98,000 | $350,000 |
| Credit History | 10 | $870,000 | $87,000 | $225,000 | $76,000 | $134,000 |
| Other | 3 | $185,000 | $61,000 | $105,000 | $77,000 | $103,000 |
| Unverifiable Information | 3 | $365,000 | $121,000 | $155,000 | $33,000 | $41,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $88,000 | $88,000 |
| 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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