Lake of the Woods County, MN Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 239 mortgage applications in Lake of the Woods County, MN totaling $23.6 million, down 10% from 2006. The average application was for $98,000, and applicants reported an average income of $70,000. 38% of applications resulted in an originated loan and 31% were denied. The most active lender was Wells Fargo Bank, NA, with 74 applications, followed by Countrywide Home Loans and Countrywide Bank FSB.
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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 | 239 |
| Total Mortgage Loan Application Amount | $23,621,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $660,000 |
* 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 | 74 | $ 4,994,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 21 | $ 3,229,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 15 | $ 1,979,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 9 | $ 946,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 606,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 947,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 7 | $ 553,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 6 | $ 621,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,100,039,000 | 6 | $ 495,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 462,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 527,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 4 | $ 529,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 3 | $ 211,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 425,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 525,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 3 | $ 364,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 271,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 709,825,000 | 2 | $ 189,000 |
| Crookston National Bank 1901 SAHLSTROM DRIVE CROOKSTON, MN 56716 |
* | $ 40,784,000 | 2 | $ 75,000 |
| Priceline Mortgage Company LLC 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 75,254,000 | 2 | $ 510,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 2 | $ 307,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 2 | $ 214,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 2 | $ 223,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 77,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 247,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 150,000 |
| Cherry Creek Mortgage Co., Inc 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 2 | $ 363,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 245,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 153,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 24,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 1 | $ 56,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 115,000 |
| Northwoods Bank of Minnesota PO BOX 112 PARK RAPIDS, MN 56470 |
* | $ 116,154,000 | 1 | $ 313,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 1 | $ 137,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 135,000 |
| Community Bank of the Rrv 1616 S WASHINGTON ST GRAND FORKS, ND 58201 |
* | $ 278,208,000 | 1 | $ 72,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 270,676,000 | 1 | $ 65,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 691,042,000 | 1 | $ 132,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 663,078,000 | 1 | $ 20,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 22,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 115,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 120,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 116,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,240,276,000 | 1 | $ 126,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,390,579,000 | 1 | $ 65,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 693,481,000 | 1 | $ 10,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 1 | $ 49,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,246,804,000 | 1 | $ 43,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 45,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 116,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 1 | $ 140,000 |
The tables below break down 2007 mortgage applications in Lake of the Woods 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 of the Woods 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 | 150 | $14,963,000 | $99,000 | $405,000 | $63,000 | $445,000 |
| Home Purchase | 59 | $6,844,000 | $116,000 | $313,000 | $89,000 | $660,000 |
| Home Improvement | 30 | $1,814,000 | $60,000 | $198,000 | $72,000 | $225,000 |
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 | 204 | $20,910,000 | $102,000 | $405,000 | $72,000 | $660,000 |
| Not Provided | 21 | $1,434,000 | $68,000 | $153,000 | $56,000 | $225,000 |
| Not applicable | 12 | $1,147,000 | $95,000 | $245,000 | $69,000 | $445,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $67,000 | $67,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $53,000 | $53,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 225 | $21,953,000 | $97,000 | $405,000 | $72,000 | $660,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,215,000 | $121,000 | $178,000 | $43,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 4 | $453,000 | $113,000 | $148,000 | $54,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 91 | $8,905,000 | $97,000 | $405,000 | $81,000 | $660,000 |
| Application Denied By Financial Institution | 73 | $6,999,000 | $95,000 | $281,000 | $53,000 | $156,000 |
| Loan Purchased By The Institution | 28 | $3,547,000 | $126,000 | $308,000 | $89,000 | $660,000 |
| Application Withdrawn By Applicant | 21 | $2,061,000 | $98,000 | $200,000 | $61,000 | $225,000 |
| Application Approved But Not Accepted | 18 | $1,355,000 | $75,000 | $196,000 | $76,000 | $225,000 |
| File Closed For Incompleteness | 8 | $754,000 | $94,000 | $185,000 | $50,000 | $96,000 |
| 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 | 20 | $1,708,000 | $85,000 | $281,000 | $53,000 | $156,000 |
| Debt-To-Income Ratio | 11 | $1,014,000 | $92,000 | $160,000 | $29,000 | $48,000 |
| Collateral | 10 | $724,000 | $72,000 | $135,000 | $82,000 | $130,000 |
| Other | 4 | $558,000 | $139,000 | $215,000 | $86,000 | $156,000 |
| Unverifiable Information | 2 | $280,000 | $140,000 | $215,000 | $112,000 | $156,000 |
| Credit Application Incomplete | 2 | $231,000 | $115,000 | $116,000 | $46,000 | $74,000 |
| 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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