Lake County, MN Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 590 mortgage applications in Lake County, MN totaling $132.7 million, down 9% from 2012. The average application was for $224,000, and applicants reported an average income of $90,000. 49% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank NA, with 108 applications, followed by Guild Mortgage Company and US Bank, N.A..

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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 590
Total Mortgage Loan Application Amount $132,716,000
Average Mortgage Loan Application Amount $224,000
Highest Mortgage Loan Application Amount $33,918,000
Average Applicant Income $90,000
Highest Applicant Income $2,973,000

Mortgage Company List for Lending in Lake County, MN for 2013

* 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

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 108 $ 15,945,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 79 $ 12,467,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 42 $ 8,063,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 30 $ 4,906,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 27 $ 3,328,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 1,603,153,000 20 $ 3,388,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 20 $ 2,672,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 17 $ 3,882,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 236,603,000 14 $ 1,834,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 13 $ 1,765,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,553,174,000 11 $ 1,982,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 10 $ 1,254,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,308,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 2,608,821,000 8 $ 1,834,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,122,000
Marketplace Home Mortgage, LLC
7380 FRANCE AVE S, STE 200
EDINA, MN 55435
* $ 34,593,007,000 7 $ 1,539,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 7 $ 800,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 591,125,000 5 $ 1,990,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 5 $ 1,329,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 4 $ 871,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 4 $ 534,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 229,613,000 3 $ 349,000
North American State Bank
PO BOX 189
BELGRADE, MN 56312
* $ 107,508,000 3 $ 808,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 456,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ 1,518,000 3 $ 985,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 886,000
Republic Bank, Inc.
306 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 303,310,000 3 $ 467,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 3 $ 455,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 3 $ 726,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 2 $ 511,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 2 $ 248,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 2 $ 270,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 1,295,129,000 2 $ 529,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ 65,673,000 2 $ 334,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 2 $ 430,000
Mpecu
30 W SUPERIOR ST. STE. 126
DULUTH, MN 55802
* $ 85,082,000 2 $ 340,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 574,000
Harbor Pointe Credit Union
PO BOX 161558
DULUTH, MN 55802
* $ 82,360,000 2 $ 90,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ 10,000,000 2 $ 389,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ 10,000,000 2 $ 326,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ 4,028,990,000 2 $ 327,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 2 $ 390,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 2 $ 387,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 471,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ 10,000,000 2 $ 124,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 882,991,000 2 $ 44,000
Endura Financial F. C. U.
820 N LILAC
MINNEAPOLIS, MN 55422
* $ 352,711,000 2 $ 790,000
Lake State Credit Union
PO BOX 330
MOOSE LAKE, MN 55767
* $ 181,400,000 2 $ 330,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 1,315,127,000 2 $ 367,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 525,286,000 2 $ 281,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 237,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 285,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 89,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 160,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 90,000
Continental Home Loans Inc.
175 PINELAWN ROAD, SUITE 303
MELVILLE, NY 11747
* $ 14,386,000 1 $ 116,000
Pioneer National Bank of Duluth, the
331 N CENTRAL AVE
DULUTH, MN 55807
* $ 81,372,000 1 $ 95,000
Boundary Waters Bank
11800 ABERDEEN ST NE SUITE 120
BLAINE, MN 55449
* $ 112,003,000 1 $ 11,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 115,595,000 1 $ 176,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 319,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,678,270,000 1 $ 86,000
Beacon Bank
19765 HIGHWAY 7
SHOREWOOD, MN 55331
* $ 309,629,000 1 $ 278,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ 330,680,000 1 $ 400,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 478,049,000 1 $ 150,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 138,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 56,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 653,019,000 1 $ 417,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 2,108,081,000 1 $ 41,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 315,751,000 1 $ 104,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 294,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ 10,000,000 1 $ 160,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 109,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 324,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 306,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 195,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 394,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 150,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 135,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 109,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 1 $ 143,000
Northwoods Bank of Minnesota
PO BOX 112
PARK RAPIDS, MN 56470
* $ 110,132,000 1 $ 174,000
Rescue Mortgage Inc
10740 LYNDALE AVE S, SUITE 19E
BLOOMINGTON, MN 55420
* $ 1,507,000 1 $ 232,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 349,821,000 1 $ 144,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 285,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 417,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 467,666,000 1 $ 121,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 155,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 90,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 198,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 120,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 33,918,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 288,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 75,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 104,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,953,615,000 1 $ 12,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ 169,642,000 1 $ 62,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 1 $ 317,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 1 $ 182,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 23,260,580,000 1 $ 53,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 306,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 162,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 125,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 1 $ 139,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 9,394,970,000 1 $ 417,000

The tables below break down 2013 mortgage applications in Lake 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 Lake County, MN in 2013

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 388 $103,569,000 $266,000 $33,918,000 $98,000 $2,973,000
Home Purchase 180 $27,683,000 $153,000 $420,000 $75,000 $443,000
Home Improvement 22 $1,464,000 $66,000 $138,000 $71,000 $160,000

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 492 $81,876,000 $166,000 $776,000 $90,000 $838,000
Not applicable 60 $43,628,000 $727,000 $33,918,000 $25,000 $161,000
Not Provided 25 $5,279,000 $211,000 $789,000 $240,000 $2,973,000
Hispanic 8 $1,464,000 $183,000 $292,000 $64,000 $96,000
Asian 2 $227,000 $113,000 $131,000 $68,000 $76,000
Black or African American 1 $73,000 $73,000 $73,000 $512,000 $512,000
Native Hawaiian or Other Pacific Islander 1 $89,000 $89,000 $89,000 $0 $0
American Indian or Alaskan Native 1 $80,000 $80,000 $80,000 $100,000 $100,000

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) 471 $81,921,000 $173,000 $789,000 $102,000 $2,973,000
FHA-insured (Federal Housing Administration) 56 $41,743,000 $745,000 $33,918,000 $43,000 $117,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $4,072,000 $119,000 $245,000 $41,000 $100,000
VA-guaranteed (Veterans Administration) 29 $4,980,000 $171,000 $389,000 $48,000 $165,000

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 292 $49,649,000 $170,000 $789,000 $105,000 $2,973,000
Loan Purchased By The Institution 152 $58,368,000 $384,000 $33,918,000 $63,000 $711,000
Application Denied By Financial Institution 64 $11,215,000 $175,000 $750,000 $79,000 $754,000
Application Withdrawn By Applicant 44 $7,877,000 $179,000 $417,000 $98,000 $467,000
Application Approved But Not Accepted 30 $4,318,000 $143,000 $376,000 $96,000 $443,000
File Closed For Incompleteness 8 $1,289,000 $161,000 $417,000 $66,000 $207,000
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
Collateral 15 $2,393,000 $159,000 $324,000 $130,000 $754,000
Credit History 13 $2,203,000 $169,000 $750,000 $55,000 $132,000
Debt-To-Income Ratio 9 $1,848,000 $205,000 $395,000 $35,000 $54,000
Other 4 $408,000 $102,000 $165,000 $111,000 $220,000
Employment History 3 $714,000 $238,000 $324,000 $48,000 $75,000
Insufficient Cash (Downpayment, Closing Cost) 2 $296,000 $148,000 $165,000 $63,000 $66,000
Mortgage Insurance Denied 1 $238,000 $238,000 $238,000 $160,000 $160,000
Unverifiable Information 1 $117,000 $117,000 $117,000 $185,000 $185,000
Credit Application Incomplete 1 $166,000 $166,000 $166,000 $33,000 $33,000

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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