Kittson County, MN Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 102 mortgage applications in Kittson County, MN totaling $8.2 million, up 28% from 2011. The average application was for $80,000, and applicants reported an average income of $70,000. 60% of applications resulted in an originated loan and 20% were denied. The most active lender was American Federal Bank, with 36 applications, followed by Merchants Bank, National Association 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 | 102 |
| Total Mortgage Loan Application Amount | $8,173,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $188,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $324,000 |
| 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 |
* | $ 439,564,000 | 36 | $ 2,459,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 7 | $ 649,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 6 | $ 391,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 225,584,000 | 6 | $ 428,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 5 | $ 432,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 395,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 4 | $ 347,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 4 | $ 394,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 224,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 325,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 241,000 |
| Prime Security Bank 1305 VIERLING DRIVE SHAKOPEE, MN 55379 |
* | $ 68,835,000 | 2 | $ 46,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,154,398,000 | 2 | $ 142,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 90,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 727,866,000 | 1 | $ 90,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,226,619,000 | 1 | $ 29,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 55,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 984,290,000 | 1 | $ 188,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 840,006,000 | 1 | $ 29,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,088,724,000 | 1 | $ 69,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 227,334,000 | 1 | $ 91,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 65,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 898,474,000 | 1 | $ 175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 93,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 179,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 86,000 |
The tables below break down 2012 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 2012
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 | 55 | $5,052,000 | $91,000 | $188,000 | $79,000 | $239,000 |
| Home Purchase | 32 | $2,267,000 | $70,000 | $153,000 | $48,000 | $188,000 |
| Home Improvement | 15 | $854,000 | $56,000 | $160,000 | $87,000 | $324,000 |
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 | 82 | $6,643,000 | $81,000 | $188,000 | $77,000 | $324,000 |
| Not applicable | 10 | $925,000 | $92,000 | $158,000 | $14,000 | $85,000 |
| Not Provided | 7 | $500,000 | $71,000 | $120,000 | $83,000 | $247,000 |
| Hispanic | 2 | $23,000 | $11,000 | $13,000 | $33,000 | $37,000 |
| American Indian or Alaskan Native | 1 | $82,000 | $82,000 | $82,000 | $50,000 | $50,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 75 | $6,017,000 | $80,000 | $188,000 | $76,000 | $324,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,139,000 | $67,000 | $99,000 | $33,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $547,000 | $91,000 | $153,000 | $50,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 4 | $470,000 | $117,000 | $179,000 | $162,000 | $239,000 |
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 | 61 | $4,765,000 | $78,000 | $179,000 | $75,000 | $239,000 |
| Application Denied By Financial Institution | 20 | $1,391,000 | $69,000 | $126,000 | $66,000 | $247,000 |
| Loan Purchased By The Institution | 13 | $1,253,000 | $96,000 | $179,000 | $39,000 | $239,000 |
| Application Approved But Not Accepted | 5 | $375,000 | $75,000 | $160,000 | $109,000 | $324,000 |
| File Closed For Incompleteness | 2 | $341,000 | $170,000 | $188,000 | $98,000 | $150,000 |
| Application Withdrawn By Applicant | 1 | $48,000 | $48,000 | $48,000 | $28,000 | $28,000 |
| 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 | 10 | $585,000 | $58,000 | $115,000 | $63,000 | $102,000 |
| Collateral | 6 | $551,000 | $91,000 | $126,000 | $88,000 | $247,000 |
| Other | 1 | $84,000 | $84,000 | $84,000 | $64,000 | $64,000 |
| Debt-To-Income Ratio | 1 | $70,000 | $70,000 | $70,000 | $18,000 | $18,000 |
| 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 |
| Unverifiable Information | 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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