Jackson County, MN Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 272 mortgage applications in Jackson County, MN totaling $50.5 million, up 47% from 2023. The average application was for $185,000, and applicants reported an average income of $86,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Bank Midwest, with 19 applications, followed by PennyMac Loan Services LLC and Flanagan State 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 | 272 |
| Total Mortgage Loan Application Amount | $50,520,000 |
| Average Mortgage Loan Application Amount | $185,000 |
| Highest Mortgage Loan Application Amount | $6,885,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $698,000 |
* 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 |
|---|---|---|---|---|
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ n/a | 19 | $ 10,145,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 16 | $ 2,010,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 15 | $ 2,025,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 12 | $ 3,540,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 11 | $ 1,945,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 11 | $ 1,345,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 1,055,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 11 | $ 1,365,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 11 | $ 1,255,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 9 | $ 935,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 9 | $ 755,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 8 | $ 310,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 8 | $ 1,580,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 160,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 6 | $ 830,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 825,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 5 | $ 625,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 490,000 |
| First State Bank Southwest 1433 OXFORD STREET WORTHINGTON, MN 56187 |
* | $ n/a | 4 | $ 420,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 4 | $ 390,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 670,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ n/a | 4 | $ 570,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 295,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 265,000 |
| First National Bank 141 E MAIN ST OLDHAM, MN 57051 |
* | $ n/a | 3 | $ 315,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 255,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 515,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 420,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 50,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 270,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ n/a | 2 | $ 350,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 240,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 220,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 410,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 155,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 305,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 115,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 65,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 1 | $ 15,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 85,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 55,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ n/a | 1 | $ 525,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 125,000 |
| Premier Lending Inc. CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 85,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 305,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 1 | $ 25,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ n/a | 1 | $ 55,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 165,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 155,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 125,000 |
| Bridgewater Bank 4450 EXCELSIOR BOULEVARD ST. LOUIS PARK, MN 55416 |
* | $ n/a | 1 | $ 6,885,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 145,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ n/a | 1 | $ 15,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 25,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ n/a | 1 | $ 45,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 25,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 175,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 105,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 455,000 |
The tables below break down 2024 mortgage applications in Jackson 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 Jackson 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 | 151 | $36,555,000 | $242,000 | $6,885,000 | $85,000 | $442,000 |
| Cash-out Refinancing | 45 | $6,225,000 | $138,000 | $545,000 | $98,000 | $698,000 |
| Other Purpose | 33 | $2,545,000 | $77,000 | $355,000 | $81,000 | $265,000 |
| Refinancing | 25 | $3,855,000 | $154,000 | $325,000 | $101,000 | $542,000 |
| Home Improvement | 18 | $1,340,000 | $74,000 | $405,000 | $64,000 | $163,000 |
| 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 | 195 | $27,255,000 | $139,000 | $525,000 | $87,000 | $542,000 |
| Not applicable | 32 | $17,860,000 | $558,000 | $6,885,000 | $0 | $0 |
| Not Provided | 21 | $2,885,000 | $137,000 | $545,000 | $110,000 | $698,000 |
| Hispanic | 19 | $1,855,000 | $97,000 | $185,000 | $57,000 | $193,000 |
| Black or African American | 4 | $410,000 | $102,000 | $285,000 | $92,000 | $177,000 |
| American Indian or Alaskan Native | 1 | $255,000 | $255,000 | $255,000 | $65,000 | $65,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 193 | $39,825,000 | $206,000 | $6,885,000 | $94,000 | $698,000 |
| FHA-insured (Federal Housing Administration) | 36 | $5,040,000 | $140,000 | $445,000 | $61,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,860,000 | $130,000 | $165,000 | $71,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,795,000 | $133,000 | $215,000 | $62,000 | $297,000 |
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 | 146 | $27,920,000 | $191,000 | $6,885,000 | $91,000 | $698,000 |
| Application Denied By Financial Institution | 40 | $3,590,000 | $89,000 | $325,000 | $57,000 | $200,000 |
| Loan Purchased By The Institution | 33 | $4,305,000 | $130,000 | $305,000 | $46,000 | $67,000 |
| Application Withdrawn By Applicant | 32 | $12,010,000 | $375,000 | $6,885,000 | $101,000 | $434,000 |
| File Closed For Incompleteness | 11 | $1,435,000 | $130,000 | $445,000 | $129,000 | $542,000 |
| Application Approved But Not Accepted | 9 | $1,065,000 | $118,000 | $485,000 | $78,000 | $116,000 |
| Preapproval Denied by Financial Institution | 1 | $195,000 | $195,000 | $195,000 | $84,000 | $84,000 |
| Preapproval Approved but not Accepted | 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 | 207 | $29,285,000 | $141,000 | $545,000 | $91,000 | $698,000 |
| Debt-To-Income Ratio | 35 | $18,505,000 | $528,000 | $6,885,000 | $80,000 | $442,000 |
| Credit History | 15 | $955,000 | $63,000 | $195,000 | $58,000 | $142,000 |
| Collateral | 7 | $805,000 | $115,000 | $255,000 | $75,000 | $200,000 |
| Credit Application Incomplete | 5 | $485,000 | $97,000 | $145,000 | $63,000 | $142,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $80,000 | $80,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $11,000 | $11,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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