Kittson County, MN Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 80 mortgage applications in Kittson County, MN totaling $6.6 million, down 25% from 2010. The average application was for $82,000, and applicants reported an average income of $70,000. 62% of applications resulted in an originated loan and 18% were denied. The most active lender was American Federal Bank, with 20 applications, followed by US Bank, N.A. 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 | 80 |
| Total Mortgage Loan Application Amount | $6,595,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $238,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $296,000 |
| 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 |
* | $ 412,332,000 | 20 | $ 1,970,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 8 | $ 719,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 7 | $ 456,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 5 | $ 518,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 5 | $ 304,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 419,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,112,179,000 | 4 | $ 245,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 4 | $ 439,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 206,501,000 | 3 | $ 92,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 828,468,000 | 2 | $ 62,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 161,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 92,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Crookston National Bank 1901 SAHLSTROM DRIVE CROOKSTON, MN 56716 |
* | $ 51,152,000 | 1 | $ 103,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 90,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 40,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 1 | $ 67,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 103,000 |
| Lake Community Bank 1964 WEST WAYZATA BLVD. LONG LAKE, MN 55356 |
* | $ 145,068,000 | 1 | $ 10,000 |
| Prime Security Bank 1305 VIERLING DRIVE SHAKOPEE, MN 55379 |
* | $ 83,618,000 | 1 | $ 32,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,071,664,000 | 1 | $ 83,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 99,000 |
| 1st Liberty 6200 3RD AVE N GREAT FALLS, MT 59401 |
* | $ 135,947,000 | 1 | $ 68,000 |
The tables below break down 2011 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 2011
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 | 49 | $4,448,000 | $90,000 | $238,000 | $78,000 | $296,000 |
| Home Purchase | 25 | $1,914,000 | $76,000 | $169,000 | $56,000 | $210,000 |
| Home Improvement | 6 | $233,000 | $38,000 | $103,000 | $58,000 | $96,000 |
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 | 63 | $5,317,000 | $84,000 | $238,000 | $74,000 | $296,000 |
| Not Provided | 10 | $752,000 | $75,000 | $114,000 | $78,000 | $129,000 |
| Not applicable | 5 | $410,000 | $82,000 | $114,000 | $0 | $0 |
| Hispanic | 2 | $116,000 | $58,000 | $68,000 | $60,000 | $102,000 |
| 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 | $4,962,000 | $81,000 | $238,000 | $77,000 | $296,000 |
| FHA-insured (Federal Housing Administration) | 10 | $739,000 | $73,000 | $128,000 | $27,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 5 | $485,000 | $97,000 | $103,000 | $100,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $409,000 | $102,000 | $114,000 | $23,000 | $32,000 |
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 | 50 | $3,989,000 | $79,000 | $238,000 | $79,000 | $296,000 |
| Application Denied By Financial Institution | 14 | $1,131,000 | $80,000 | $150,000 | $61,000 | $154,000 |
| Loan Purchased By The Institution | 9 | $803,000 | $89,000 | $114,000 | $41,000 | $183,000 |
| Application Withdrawn By Applicant | 5 | $502,000 | $100,000 | $169,000 | $68,000 | $98,000 |
| Application Approved But Not Accepted | 2 | $170,000 | $85,000 | $89,000 | $32,000 | $35,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3 | $188,000 | $62,000 | $78,000 | $79,000 | $100,000 |
| Other | 3 | $253,000 | $84,000 | $104,000 | $47,000 | $64,000 |
| Collateral | 2 | $250,000 | $125,000 | $150,000 | $103,000 | $154,000 |
| Unverifiable Information | 1 | $117,000 | $117,000 | $117,000 | $13,000 | $13,000 |
| Debt-To-Income Ratio | 1 | $120,000 | $120,000 | $120,000 | $69,000 | $69,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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