Houston County, MN Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 525 mortgage applications in Houston County, MN totaling $93.0 million, up 3% from 2023. The average application was for $177,000, and applicants reported an average income of $110,000. 67% of applications resulted in an originated loan and 9% were denied. The most active lender was Altra Federal Credit Union, with 136 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 | 525 |
| Total Mortgage Loan Application Amount | $93,005,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $1,181,000 |
* 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 |
* | $ n/a | 136 | $ 17,670,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 99 | $ 15,115,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ n/a | 33 | $ 6,255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 17 | $ 3,795,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 15 | $ 1,995,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 13 | $ 1,505,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 12 | $ 2,500,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 10 | $ 2,900,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 8 | $ 1,710,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ n/a | 7 | $ 2,105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,490,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ n/a | 6 | $ 970,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 6 | $ 910,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 595,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 5 | $ 595,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ n/a | 5 | $ 805,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 5 | $ 885,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 5 | $ 2,085,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,085,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ n/a | 4 | $ 340,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 4 | $ 970,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 890,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 920,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 3 | $ 665,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 565,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 365,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 815,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 1,105,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 795,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 825,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ n/a | 3 | $ 835,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 455,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ n/a | 3 | $ 275,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 605,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ n/a | 3 | $ 1,035,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 955,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 810,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ n/a | 2 | $ 70,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 2 | $ 420,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ n/a | 2 | $ 150,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 450,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 340,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 370,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 530,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 490,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ n/a | 2 | $ 330,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 730,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 175,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 1 | $ 85,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 285,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 135,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 325,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 1 | $ 85,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 1 | $ 325,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 275,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 225,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 85,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 445,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 435,000 |
| Community Resource Bank 1605 HERITAGE DRIVE NORTHFIELD, MN 55057 |
* | $ n/a | 1 | $ 195,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 145,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ n/a | 1 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 15,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 75,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 175,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 155,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ n/a | 1 | $ 145,000 |
| Foresight Bank 138 WEST BROADWAY PLAINVIEW, MN 55964 |
* | $ n/a | 1 | $ 2,125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 225,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ n/a | 1 | $ 265,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 375,000 |
| Expedition Credit Union 1270 NORTHLAND DRIVE SUITE 350 MENDOTA HEIGHTS, MN 55120 |
* | $ n/a | 1 | $ 95,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 185,000 |
| F & M Community Bank, N.A. PO BOX 467 PRESTON, MN 55965 |
* | $ n/a | 1 | $ 245,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 465,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 1 | $ 235,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 35,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 255,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 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 2024
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 | 246 | $57,730,000 | $234,000 | $2,125,000 | $109,000 | $605,000 |
| Refinancing | 108 | $17,970,000 | $166,000 | $565,000 | $117,000 | $1,181,000 |
| Home Improvement | 66 | $3,870,000 | $58,000 | $225,000 | $118,000 | $290,000 |
| Cash-out Refinancing | 53 | $10,115,000 | $190,000 | $765,000 | $92,000 | $290,000 |
| Other Purpose | 52 | $3,320,000 | $63,000 | $165,000 | $114,000 | $405,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 456 | $78,010,000 | $171,000 | $905,000 | $111,000 | $1,181,000 |
| Not Provided | 31 | $6,135,000 | $197,000 | $485,000 | $101,000 | $259,000 |
| Not applicable | 21 | $6,095,000 | $290,000 | $2,125,000 | $141,000 | $145,000 |
| Hispanic | 7 | $855,000 | $122,000 | $215,000 | $83,000 | $178,000 |
| Asian | 4 | $1,340,000 | $335,000 | $555,000 | $193,000 | $425,000 |
| Black or African American | 4 | $480,000 | $120,000 | $155,000 | $52,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $90,000 | $45,000 | $55,000 | $72,000 | $84,000 |
| 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) | 444 | $73,910,000 | $166,000 | $2,125,000 | $116,000 | $1,181,000 |
| FHA-insured (Federal Housing Administration) | 47 | $9,055,000 | $192,000 | $445,000 | $57,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 34 | $10,040,000 | $295,000 | $465,000 | $90,000 | $223,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 354 | $59,860,000 | $169,000 | $855,000 | $118,000 | $1,181,000 |
| Application Withdrawn By Applicant | 74 | $17,370,000 | $234,000 | $2,125,000 | $105,000 | $350,000 |
| Application Denied By Financial Institution | 47 | $7,425,000 | $157,000 | $555,000 | $92,000 | $425,000 |
| Loan Purchased By The Institution | 23 | $4,315,000 | $187,000 | $445,000 | $76,000 | $145,000 |
| File Closed For Incompleteness | 14 | $2,070,000 | $147,000 | $465,000 | $69,000 | $120,000 |
| Application Approved But Not Accepted | 13 | $1,965,000 | $151,000 | $445,000 | $68,000 | $141,000 |
| 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 | 428 | $73,770,000 | $172,000 | $905,000 | $112,000 | $1,181,000 |
| Debt-To-Income Ratio | 65 | $13,725,000 | $211,000 | $2,125,000 | $100,000 | $618,000 |
| Collateral | 13 | $2,665,000 | $205,000 | $555,000 | $117,000 | $315,000 |
| Credit History | 11 | $1,665,000 | $151,000 | $555,000 | $123,000 | $425,000 |
| Other | 3 | $365,000 | $121,000 | $255,000 | $86,000 | $113,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $75,000 | $53,000 | $66,000 |
| Credit Application Incomplete | 2 | $520,000 | $260,000 | $295,000 | $93,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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