Kittson County, MN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 78 mortgage applications in Kittson County, MN totaling $10.6 million, down 12% from 2024. The average application was for $136,000, and applicants reported an average income of $177,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was American Federal Bank, with 11 applications, followed by Border Bank and New American Funding, Llc..
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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 | 78 |
| Total Mortgage Loan Application Amount | $10,610,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $177,000 |
| Highest Applicant Income | $6,055,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ n/a | 11 | $ 2,025,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ n/a | 10 | $ 860,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 1,425,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 6 | $ 780,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 6 | $ 780,000 |
| Kodabank 104 S MAIN ST DRAYTON, ND 58225 |
* | $ n/a | 4 | $ 400,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 585,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 605,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 510,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 320,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 170,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ n/a | 2 | $ 50,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 470,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 60,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 200,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 85,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 75,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 145,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 95,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 1 | $ 65,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 65,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 155,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 75,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 365,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 235,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 1 | $ 25,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 35,000 |
| Dakota Heritage Bank RED LAKE FALLS, MN 56750 |
* | $ n/a | 1 | $ 75,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Kittson 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 Kittson County, MN in 2025
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 | 34 | $5,010,000 | $147,000 | $455,000 | $87,000 | $342,000 |
| Refinancing | 18 | $3,040,000 | $168,000 | $365,000 | $131,000 | $663,000 |
| Cash-out Refinancing | 13 | $1,665,000 | $128,000 | $265,000 | $547,000 | $6,055,000 |
| Home Improvement | 7 | $385,000 | $55,000 | $155,000 | $68,000 | $85,000 |
| Other Purpose | 5 | $355,000 | $71,000 | $145,000 | $89,000 | $166,000 |
| Not Applicable | 1 | $155,000 | $155,000 | $155,000 | $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 | 63 | $9,485,000 | $150,000 | $455,000 | $200,000 | $6,055,000 |
| Not Provided | 8 | $430,000 | $53,000 | $165,000 | $63,000 | $96,000 |
| Not applicable | 4 | $510,000 | $127,000 | $355,000 | $31,000 | $31,000 |
| Hispanic | 3 | $185,000 | $61,000 | $115,000 | $61,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 61 | $8,075,000 | $132,000 | $455,000 | $101,000 | $663,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,840,000 | $184,000 | $245,000 | $812,000 | $6,055,000 |
| VA-guaranteed (Veterans Administration) | 7 | $695,000 | $99,000 | $135,000 | $81,000 | $144,000 |
| 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 | 50 | $6,500,000 | $130,000 | $405,000 | $106,000 | $663,000 |
| Application Denied By Financial Institution | 11 | $2,045,000 | $185,000 | $455,000 | $83,000 | $143,000 |
| Application Withdrawn By Applicant | 6 | $490,000 | $81,000 | $135,000 | $1,084,000 | $6,055,000 |
| Loan Purchased By The Institution | 6 | $1,170,000 | $195,000 | $355,000 | $61,000 | $99,000 |
| File Closed For Incompleteness | 4 | $370,000 | $92,000 | $115,000 | $58,000 | $118,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $41,000 | $41,000 |
| 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 | 43 | $6,335,000 | $147,000 | $365,000 | $237,000 | $6,055,000 |
| Debt-To-Income Ratio | 28 | $2,890,000 | $103,000 | $405,000 | $107,000 | $342,000 |
| Credit History | 2 | $240,000 | $120,000 | $205,000 | $63,000 | $72,000 |
| Unverifiable Information | 1 | $235,000 | $235,000 | $235,000 | $73,000 | $73,000 |
| Employment History | 1 | $235,000 | $235,000 | $235,000 | $100,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $455,000 | $455,000 | $455,000 | $121,000 | $121,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $143,000 | $143,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
| Other | 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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