Koochiching County, MN Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 254 mortgage applications in Koochiching County, MN totaling $32.9 million, up 6% from 2014. The average application was for $129,000, and applicants reported an average income of $67,000. 61% of applications resulted in an originated loan and 16% were denied. The most active lender was Associated Bank NA, with 53 applications, followed by Bremer Bank, NA 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 | 254 |
| Total Mortgage Loan Application Amount | $32,869,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $2,662,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $475,000 |
* 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 |
|---|---|---|---|---|
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 26,653,631,000 | 53 | $ 6,359,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 51 | $ 4,605,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 29 | $ 2,844,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 11 | $ 1,232,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 10 | $ 1,735,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 957,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,703,826,000 | 7 | $ 400,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 1,123,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 373,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 538,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 543,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 326,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 2 | $ 188,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 261,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 368,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 81,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 261,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 2 | $ 235,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 2 | $ 408,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 227,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 51,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 2 | $ 410,000 |
| National Asset Mortgage, LLC 4350 ST. ANDREWS RD.; SUITE F COLUMBIA, SC 29210 |
* | $ 3,392,190,000 | 2 | $ 71,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 7,312,796,000 | 1 | $ 185,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 409,705,000 | 1 | $ 400,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 214,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 203,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 1 | $ 100,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,496,905,000 | 1 | $ 31,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 245,560,000 | 1 | $ 122,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 180,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 122,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 75,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 981,433,000 | 1 | $ 15,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 37,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 541,961,000 | 1 | $ 70,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,576,587,000 | 1 | $ 184,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,012,719,000 | 1 | $ 220,000 |
| California United Bank 818 W. 7TH STREET LOS ANGELES, CA 90017 |
* | $ 2,264,327,000 | 1 | $ 2,662,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 147,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 218,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 153,492,000 | 1 | $ 30,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 702,990,000 | 1 | $ 109,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 72,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 417,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 67,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 215,000 |
The tables below break down 2015 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 2015
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 | 126 | $18,772,000 | $148,000 | $2,662,000 | $72,000 | $475,000 |
| Refinancing | 109 | $13,051,000 | $119,000 | $417,000 | $62,000 | $210,000 |
| Home Improvement | 19 | $1,046,000 | $55,000 | $160,000 | $59,000 | $111,000 |
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 | 207 | $24,827,000 | $119,000 | $960,000 | $72,000 | $475,000 |
| Not applicable | 22 | $4,799,000 | $218,000 | $2,662,000 | $7,000 | $92,000 |
| Not Provided | 22 | $2,974,000 | $135,000 | $328,000 | $80,000 | $233,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $65,000 | $65,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $65,000 | $65,000 |
| Hispanic | 1 | $184,000 | $184,000 | $184,000 | $74,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 187 | $25,171,000 | $134,000 | $2,662,000 | $78,000 | $475,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,727,000 | $112,000 | $241,000 | $36,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,159,000 | $113,000 | $232,000 | $55,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,812,000 | $120,000 | $192,000 | $12,000 | $44,000 |
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 | 155 | $21,080,000 | $136,000 | $2,662,000 | $76,000 | $475,000 |
| Application Denied By Financial Institution | 40 | $5,038,000 | $125,000 | $417,000 | $56,000 | $207,000 |
| Application Withdrawn By Applicant | 31 | $4,218,000 | $136,000 | $354,000 | $74,000 | $233,000 |
| Loan Purchased By The Institution | 23 | $2,351,000 | $102,000 | $168,000 | $12,000 | $98,000 |
| Application Approved But Not Accepted | 3 | $103,000 | $34,000 | $41,000 | $80,000 | $133,000 |
| File Closed For Incompleteness | 2 | $79,000 | $39,000 | $49,000 | $40,000 | $65,000 |
| 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 | 12 | $788,000 | $65,000 | $161,000 | $38,000 | $105,000 |
| Debt-To-Income Ratio | 7 | $853,000 | $121,000 | $204,000 | $39,000 | $105,000 |
| Collateral | 3 | $475,000 | $158,000 | $328,000 | $82,000 | $135,000 |
| Credit Application Incomplete | 2 | $516,000 | $258,000 | $417,000 | $85,000 | $116,000 |
| Employment History | 2 | $296,000 | $148,000 | $184,000 | $38,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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