Koochiching County, MN Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 435 mortgage applications in Koochiching County, MN totaling $45.3 million, down 29% from 2006. The average application was for $104,000, and applicants reported an average income of $58,000. 32% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank, NA, with 82 applications, followed by Qr Lending Inc and Washington Mutual 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 | 435 |
| Total Mortgage Loan Application Amount | $45,250,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $689,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 82 | $ 6,540,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 36 | $ 3,707,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 30 | $ 3,298,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 18 | $ 2,594,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 17 | $ 2,323,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 14 | $ 1,668,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 14 | $ 1,966,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 14 | $ 1,011,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 951,944,000 | 14 | $ 1,479,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 14 | $ 978,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 13 | $ 2,144,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 12 | $ 960,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,722,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 8 | $ 616,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 6 | $ 546,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 231,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 300,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 208,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 6 | $ 539,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 5 | $ 1,207,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 443,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,100,039,000 | 5 | $ 278,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 5 | $ 733,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 4 | $ 189,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 4 | $ 610,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 3 | $ 440,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 3 | $ 321,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 3,637,603,000 | 3 | $ 1,156,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 249,142,000 | 3 | $ 546,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 376,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 234,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 245,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 136,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 235,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 2 | $ 222,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 390,576,000 | 2 | $ 17,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 20,532,484,000 | 2 | $ 93,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 61,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 107,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 190,097,000 | 2 | $ 352,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 490,861,000 | 2 | $ 64,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 2 | $ 147,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 2 | $ 145,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 663,078,000 | 2 | $ 14,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 225,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 1 | $ 116,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 72,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 50,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 9,339,663,000 | 1 | $ 158,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 170,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 691,042,000 | 1 | $ 85,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 114,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 1 | $ 61,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 62,691,446,000 | 1 | $ 135,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 1 | $ 62,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 130,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 1 | $ 145,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 260,890,000 | 1 | $ 55,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 804,648,000 | 1 | $ 159,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 56,382,388,000 | 1 | $ 84,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 1 | $ 130,000 |
| Wells Fargo Fin'l Arizona, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 169,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 2,158,392,000 | 1 | $ 43,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 48,000 |
| Wells Fargo Fin'l Washington 1 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 18,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,390,579,000 | 1 | $ 26,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 160,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 61,000 |
The tables below break down 2007 mortgage applications in Koochiching 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 Koochiching County, MN in 2007
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 | 269 | $29,502,000 | $109,000 | $465,000 | $58,000 | $641,000 |
| Home Purchase | 127 | $13,233,000 | $104,000 | $417,000 | $60,000 | $689,000 |
| Home Improvement | 39 | $2,515,000 | $64,000 | $500,000 | $52,000 | $250,000 |
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 | 311 | $29,831,000 | $95,000 | $500,000 | $63,000 | $689,000 |
| Not applicable | 61 | $7,916,000 | $129,000 | $498,000 | $17,000 | $200,000 |
| Not Provided | 56 | $7,135,000 | $127,000 | $440,000 | $76,000 | $380,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $55,000 | $27,000 | $35,000 | $37,000 | $39,000 |
| American Indian or Alaskan Native | 2 | $140,000 | $70,000 | $71,000 | $45,000 | $51,000 |
| Asian | 1 | $37,000 | $37,000 | $37,000 | $54,000 | $54,000 |
| Black or African American | 1 | $96,000 | $96,000 | $96,000 | $53,000 | $53,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $41,000 | $41,000 |
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) | 410 | $42,914,000 | $104,000 | $500,000 | $59,000 | $689,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,231,000 | $82,000 | $164,000 | $36,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 9 | $969,000 | $107,000 | $159,000 | $49,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $136,000 | $136,000 | $136,000 | $51,000 | $51,000 |
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 | 138 | $14,119,000 | $102,000 | $500,000 | $76,000 | $689,000 |
| Loan Purchased By The Institution | 120 | $15,073,000 | $125,000 | $498,000 | $36,000 | $380,000 |
| Application Denied By Financial Institution | 93 | $8,427,000 | $90,000 | $440,000 | $55,000 | $378,000 |
| Application Withdrawn By Applicant | 41 | $3,745,000 | $91,000 | $256,000 | $59,000 | $129,000 |
| Application Approved But Not Accepted | 23 | $1,893,000 | $82,000 | $256,000 | $72,000 | $280,000 |
| File Closed For Incompleteness | 20 | $1,993,000 | $99,000 | $236,000 | $60,000 | $342,000 |
| 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 | 17 | $1,458,000 | $85,000 | $180,000 | $68,000 | $378,000 |
| Collateral | 12 | $1,199,000 | $99,000 | $188,000 | $51,000 | $108,000 |
| Other | 8 | $1,141,000 | $142,000 | $270,000 | $73,000 | $198,000 |
| Debt-To-Income Ratio | 6 | $1,102,000 | $183,000 | $440,000 | $61,000 | $123,000 |
| Credit Application Incomplete | 5 | $329,000 | $65,000 | $140,000 | $51,000 | $75,000 |
| Unverifiable Information | 1 | $18,000 | $18,000 | $18,000 | $48,000 | $48,000 |
| 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 |
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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