Kittson County, MN Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 113 mortgage applications in Kittson County, MN totaling $12.5 million, up 1% from 2020. The average application was for $110,000, and applicants reported an average income of $85,000. 64% of applications resulted in an originated loan and 9% were denied. The most active lender was Border Bank, with 20 applications, followed by New American Funding, Llc. and American Federal 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 | 113 |
| Total Mortgage Loan Application Amount | $12,505,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $587,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 109,857,000 | 20 | $ 2,100,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 985,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 628,546,000 | 8 | $ 860,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 640,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 6 | $ 670,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 5 | $ 545,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 595,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 520,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,379,086,000 | 3 | $ 415,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 3 | $ 185,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 215,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 410,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 2 | $ 190,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 2 | $ 160,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 310,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 125,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 45,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 55,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 1 | $ 45,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 1 | $ 545,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 125,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 65,000 |
| St. Cloud Financial Credit Union 3030 1ST ST S SAINT CLOUD, MN 56301 |
* | $ 202,109,000 | 1 | $ 305,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 5,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,237,913,000 | 1 | $ 105,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 265,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 200,905,000 | 1 | $ 35,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 75,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 445,320,000 | 1 | $ 105,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,089,559,000 | 1 | $ 185,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,376,396,000 | 1 | $ 45,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 115,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 45,000 |
The tables below break down 2021 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 2021
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 | 48 | $4,550,000 | $94,000 | $265,000 | $73,000 | $587,000 |
| Refinancing | 39 | $4,955,000 | $127,000 | $545,000 | $99,000 | $463,000 |
| Cash-out Refinancing | 16 | $2,280,000 | $142,000 | $325,000 | $91,000 | $159,000 |
| Home Improvement | 6 | $630,000 | $105,000 | $305,000 | $92,000 | $127,000 |
| Not Applicable | 3 | $55,000 | $18,000 | $25,000 | $52,000 | $52,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $43,000 | $43,000 |
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 | 90 | $9,930,000 | $110,000 | $545,000 | $83,000 | $587,000 |
| Not applicable | 14 | $1,260,000 | $90,000 | $185,000 | $40,000 | $52,000 |
| Not Provided | 6 | $900,000 | $150,000 | $265,000 | $108,000 | $180,000 |
| Hispanic | 2 | $320,000 | $160,000 | $225,000 | $108,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $184,000 | $184,000 |
| 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) | 84 | $9,710,000 | $115,000 | $545,000 | $92,000 | $587,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,335,000 | $89,000 | $155,000 | $63,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $990,000 | $99,000 | $175,000 | $49,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 4 | $470,000 | $117,000 | $215,000 | $114,000 | $114,000 |
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 | 72 | $8,300,000 | $115,000 | $545,000 | $91,000 | $587,000 |
| Loan Purchased By The Institution | 14 | $1,210,000 | $86,000 | $185,000 | $44,000 | $54,000 |
| Application Denied By Financial Institution | 10 | $960,000 | $96,000 | $205,000 | $68,000 | $145,000 |
| Application Withdrawn By Applicant | 9 | $925,000 | $102,000 | $175,000 | $53,000 | $80,000 |
| File Closed For Incompleteness | 4 | $530,000 | $132,000 | $265,000 | $110,000 | $184,000 |
| Application Approved But Not Accepted | 4 | $580,000 | $145,000 | $215,000 | $91,000 | $114,000 |
| 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 | 83 | $9,445,000 | $113,000 | $545,000 | $74,000 | $184,000 |
| Debt-To-Income Ratio | 21 | $2,205,000 | $105,000 | $325,000 | $129,000 | $587,000 |
| Credit Application Incomplete | 3 | $395,000 | $131,000 | $205,000 | $42,000 | $60,000 |
| Credit History | 2 | $180,000 | $90,000 | $155,000 | $124,000 | $145,000 |
| Other | 2 | $120,000 | $60,000 | $85,000 | $59,000 | $85,000 |
| Collateral | 2 | $160,000 | $80,000 | $85,000 | $37,000 | $40,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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