Lake County, MN Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 345 mortgage applications in Lake County, MN totaling $58.0 million, down 42% from 2013. The average application was for $168,000, and applicants reported an average income of $87,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 57 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 | 345 |
| Total Mortgage Loan Application Amount | $57,968,000 |
| Average Mortgage Loan Application Amount | $168,000 |
| Highest Mortgage Loan Application Amount | $2,925,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $973,000 |
* 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 MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 57 | $ 8,720,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 48 | $ 7,540,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 15 | $ 2,640,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 15 | $ 2,118,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 13 | $ 1,617,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 236,094,000 | 12 | $ 1,622,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 10 | $ 1,135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 1,274,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 6 | $ 794,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 5 | $ 658,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 5 | $ 546,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 5 | $ 979,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 5 | $ 476,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,630,992,000 | 5 | $ 555,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 4 | $ 1,342,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 539,254,000 | 4 | $ 396,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 382,290,000 | 4 | $ 195,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 4 | $ 665,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 4 | $ 659,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 4 | $ 405,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 706,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 863,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 356,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 249,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 3 | $ 528,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 3 | $ 813,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 242,416,000 | 3 | $ 467,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,468,863,000 | 3 | $ 963,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 558,319,000 | 3 | $ 348,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 3 | $ 633,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 2 | $ 199,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 2 | $ 266,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 830,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 377,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 227,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 551,094,000 | 2 | $ 101,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 405,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 225,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 3,910,000,000 | 2 | $ 314,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 2 | $ 493,000 |
| Kleinbank 301 CHESTNUT ST CHASKA, MN 55318 |
* | $ 1,584,614,000 | 1 | $ 38,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 758,952,000 | 1 | $ 122,000 |
| Northern State Bank of Virginia 600 CHESTNUT STREET VIRGINIA, MN 55792 |
* | $ 58,775,000 | 1 | $ 132,000 |
| Republic Bank, Inc. 306 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 306,185,000 | 1 | $ 130,000 |
| Central Bank 2270 FRONTAGE RD WEST STILLWATER, MN 55082 |
* | $ 1,152,266,000 | 1 | $ 417,000 |
| Northwoods Credit Union 1702 AVE B CLOQUET, MN 55720 |
* | $ 70,906,000 | 1 | $ 88,000 |
| Signature Bank 9800 BREN ROAD E MINNETONKA, MN 55343 |
* | $ 240,633,000 | 1 | $ 46,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 243,660,000 | 1 | $ 84,000 |
| Harbor Pointe Credit Union PO BOX 161558 DULUTH, MN 55802 |
* | $ 87,672,000 | 1 | $ 31,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 412,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 167,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 401,000 |
| Colliers Mortgage LLC 90 SOUTH SEVENTH ST. SUITE 4300 MINNEAPOLIS, MN 55402 |
* | $ 17,648,000 | 1 | $ 2,925,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 417,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 66,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 80,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 340,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 173,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 1 | $ 200,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 343,790,000 | 1 | $ 30,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 211,553,000 | 1 | $ 87,000 |
| First State Bank and Trust 950 N HWY BAYPORT, MN 55003 |
* | $ 214,529,000 | 1 | $ 338,000 |
| Sherburne State Bank 12500 SHERBURNE AVE PO BOX 428, MN 55308 |
* | $ 81,523,000 | 1 | $ 60,000 |
| Security State Bank of Hibbing 701 E HOWARD ST, PO BOX 279 HIBBING, MN 55746 |
* | $ 123,833,000 | 1 | $ 194,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 1,392,362,000 | 1 | $ 342,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 252,097,000 | 1 | $ 50,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 176,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 914,430,000 | 1 | $ 140,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 926,944,000 | 1 | $ 85,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 199,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 313,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 180,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 948,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 237,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 184,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 262,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 1 | $ 417,000 |
| Boundary Waters Bank 11800 ABERDEEN ST NE SUITE 120 BLAINE, MN 55449 |
* | $ 111,055,000 | 1 | $ 3,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,192,380,000 | 1 | $ 238,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 146,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 1 | $ 417,000 |
| First American Bank, N.A. 2424 MONETARY BLVD SUITE 107 HUDSON, WI 54016 |
* | $ 93,616,000 | 1 | $ 390,000 |
The tables below break down 2014 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 2014
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 | 165 | $29,743,000 | $180,000 | $2,925,000 | $85,000 | $488,000 |
| Home Purchase | 158 | $26,206,000 | $165,000 | $960,000 | $87,000 | $973,000 |
| Home Improvement | 22 | $2,019,000 | $91,000 | $525,000 | $104,000 | $526,000 |
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 | 275 | $44,050,000 | $160,000 | $960,000 | $95,000 | $973,000 |
| Not applicable | 40 | $8,838,000 | $220,000 | $2,925,000 | $15,000 | $260,000 |
| Not Provided | 29 | $4,997,000 | $172,000 | $563,000 | $119,000 | $350,000 |
| Black or African American | 1 | $83,000 | $83,000 | $83,000 | $21,000 | $21,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 260 | $45,838,000 | $176,000 | $2,925,000 | $102,000 | $973,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,939,000 | $126,000 | $277,000 | $32,000 | $66,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,834,000 | $118,000 | $237,000 | $37,000 | $161,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,357,000 | $198,000 | $445,000 | $66,000 | $144,000 |
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 | 188 | $30,996,000 | $164,000 | $2,925,000 | $95,000 | $488,000 |
| Application Denied By Financial Institution | 54 | $9,621,000 | $178,000 | $948,000 | $87,000 | $526,000 |
| Loan Purchased By The Institution | 43 | $7,059,000 | $164,000 | $417,000 | $29,000 | $260,000 |
| Application Withdrawn By Applicant | 33 | $6,497,000 | $196,000 | $960,000 | $131,000 | $973,000 |
| Application Approved But Not Accepted | 18 | $2,503,000 | $139,000 | $232,000 | $71,000 | $193,000 |
| File Closed For Incompleteness | 9 | $1,292,000 | $143,000 | $328,000 | $83,000 | $188,000 |
| 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 | 18 | $3,752,000 | $208,000 | $525,000 | $114,000 | $526,000 |
| Other | 10 | $1,622,000 | $162,000 | $385,000 | $82,000 | $350,000 |
| Debt-To-Income Ratio | 8 | $1,237,000 | $154,000 | $250,000 | $65,000 | $133,000 |
| Credit History | 4 | $584,000 | $146,000 | $206,000 | $44,000 | $105,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $140,000 | $128,000 | $172,000 |
| Unverifiable Information | 1 | $66,000 | $66,000 | $66,000 | $64,000 | $64,000 |
| Employment History | 1 | $108,000 | $108,000 | $108,000 | $47,000 | $47,000 |
| 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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