In 2004, lenders reported 210 mortgage applications in Kittson County, MN totaling $13.0 million, down 15% from 2003. The average application was for $61,000, and applicants reported an average income of $62,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Marshall Bank, NA, with 26 applications, followed by American Federal Bank and Wells Fargo Bank, NA.
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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 | 210 |
| Total Mortgage Loan Application Amount | $13,019,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $180,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $804,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Marshall Bank, NA 203 SECOND STREET SOUTH HALLOCK, MN 56728 |
* | $ 61,533,000 | 26 | $ 896,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 238,663,000 | 21 | $ 624,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 15 | $ 1,099,000 |
| Prime Security Bank 1305 VIERLING DRIVE SHAKOPEE, MN 55379 |
* | $ 59,814,000 | 11 | $ 398,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 9 | $ 791,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 8 | $ 780,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 320,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 6 | $ 390,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 6 | $ 428,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 234,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 5 | $ 215,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 5 | $ 226,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 5 | $ 364,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 442,007,000 | 5 | $ 372,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 5 | $ 480,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 5 | $ 442,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 4 | $ 148,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 4 | $ 287,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 3 | $ 335,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 3 | $ 108,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 3 | $ 119,000 |
| Texas Capital Bank 2000 MCKINNEY AVE, SUITE 700 DALLAS, TX 75201 |
* | $ 2,192,142,000 | 2 | $ 82,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 2 | $ 66,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 2 | $ 135,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 313,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 2 | $ 93,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 547,895,000 | 2 | $ 246,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 200,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 885,513,000 | 1 | $ 77,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 43,000 |
| Acoustic Home Loans, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 1 | $ 71,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Bridge Capital Corporation 27121 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 84,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 1 | $ 52,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 86,000 |
| Hearthside Lending Corp. 4770 NORTH BELLEVIEW SUITE 100 GLADSTONE, MO 64116 |
* | $ 10,000,000 | 1 | $ 56,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 16,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 1 | $ 76,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 617,376,000 | 1 | $ 41,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 282,755,000 | 1 | $ 104,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 44,000 |
| State Bank of Delano 1300 BABCOCK BLVD E. DELANO, MN 55328 |
* | $ 80,998,000 | 1 | $ 35,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 993,545,000 | 1 | $ 117,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 59,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 1 | $ 23,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Paragon Home Lending, LLC 19435 W. CAPITOL DRIVE, SUITE 201 BROOKFIELD, WI 53045 |
* | $ 10,000,000 | 1 | $ 140,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 1 | $ 120,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 71,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 23,000 |
The tables below break down 2004 mortgage applications in Kittson County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 132 | $9,777,000 | $74,000 | $180,000 | $54,000 | $690,000 |
| Home Improvement | 40 | $1,212,000 | $30,000 | $80,000 | $114,000 | $804,000 |
| Home Purchase | 38 | $2,030,000 | $53,000 | $116,000 | $38,000 | $120,000 |
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 | 166 | $9,687,000 | $58,000 | $180,000 | $55,000 | $690,000 |
| Not Provided | 24 | $1,955,000 | $81,000 | $178,000 | $129,000 | $804,000 |
| Not applicable | 17 | $1,266,000 | $74,000 | $180,000 | $17,000 | $95,000 |
| Hispanic | 2 | $96,000 | $48,000 | $50,000 | $52,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $34,000 | $34,000 |
| 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) | 203 | $12,676,000 | $62,000 | $180,000 | $58,000 | $804,000 |
| FHA-insured (Federal Housing Administration) | 7 | $343,000 | $49,000 | $104,000 | $148,000 | $690,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 109 | $5,791,000 | $53,000 | $180,000 | $43,000 | $220,000 |
| Application Denied By Financial Institution | 35 | $1,852,000 | $52,000 | $170,000 | $61,000 | $527,000 |
| Loan Purchased By The Institution | 22 | $1,714,000 | $77,000 | $180,000 | $26,000 | $95,000 |
| Application Withdrawn By Applicant | 19 | $1,825,000 | $96,000 | $178,000 | $93,000 | $690,000 |
| Application Approved But Not Accepted | 16 | $1,134,000 | $70,000 | $180,000 | $53,000 | $100,000 |
| File Closed For Incompleteness | 9 | $703,000 | $78,000 | $144,000 | $246,000 | $804,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $406,000 | $36,000 | $60,000 | $44,000 | $86,000 |
| Other | 9 | $628,000 | $69,000 | $120,000 | $113,000 | $527,000 |
| Collateral | 6 | $421,000 | $70,000 | $170,000 | $47,000 | $61,000 |
| Credit Application Incomplete | 2 | $61,000 | $30,000 | $34,000 | $32,000 | $32,000 |
| Debt-To-Income Ratio | 2 | $159,000 | $79,000 | $135,000 | $18,000 | $19,000 |
| Employment History | 2 | $53,000 | $26,000 | $27,000 | $66,000 | $72,000 |
| Unverifiable Information | 1 | $38,000 | $38,000 | $38,000 | $50,000 | $50,000 |
| 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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