Lake of the Woods County, MN Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 128 mortgage applications in Lake of the Woods County, MN totaling $12.8 million, down 46% from 2007. The average application was for $99,000, and applicants reported an average income of $58,000. 41% of applications resulted in an originated loan and 32% were denied. The most active lender was Wells Fargo Bank, NA, with 31 applications, followed by US Bank, N.A. and Citimortgage, Inc.
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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 | 128 |
| Total Mortgage Loan Application Amount | $12,786,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $375,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $396,000 |
* 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 |
* | $ 467,861,000,000 | 31 | $ 2,945,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 12 | $ 1,037,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 972,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 8 | $ 896,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 752,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 5 | $ 292,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 199,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 385,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 147,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 2 | $ 205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 234,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 2 | $ 403,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 21,335,735,000 | 2 | $ 430,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 291,390,000 | 2 | $ 280,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 185,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 177,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 2 | $ 150,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 197,273,000 | 2 | $ 228,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 1,837,312,000 | 1 | $ 186,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 705,197,000 | 1 | $ 10,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,222,682,000 | 1 | $ 27,000 |
| General Mortgage Finance Corp 5775 WAYZATA BOULEVARE SUITE 845 ST LOUIS PARK, MN 55416 |
* | $ 1,500,000 | 1 | $ 115,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 92,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 133,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 139,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 128,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 64,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 111,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 92,000 |
| The First Bank of Baldwin 990 MAIN STREET, PO BOX 2060 BALDWIN, WI 54002 |
* | $ 176,661,000 | 1 | $ 170,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 46,000 |
| Crookston National Bank 1901 SAHLSTROM DRIVE CROOKSTON, MN 56716 |
* | $ 45,512,000 | 1 | $ 50,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 1 | $ 10,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,354,950,000 | 1 | $ 74,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 90,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 58,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 58,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 1 | $ 35,000 |
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 57,584,000 | 1 | $ 52,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 446,971,000 | 1 | $ 66,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 139,959,000 | 1 | $ 30,000 |
| Community Bank of the Rrv 1616 S WASHINGTON ST GRAND FORKS, ND 58201 |
* | $ 280,630,000 | 1 | $ 71,000 |
| Community Pride Bank 1441 BUNKER LAKE BLVD NE HAM LAKE, MN 55304 |
* | $ 86,673,000 | 1 | $ 57,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 136,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 116,862,000 | 1 | $ 31,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 1,027,186,000 | 1 | $ 272,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Cherry Creek Mortgage Co., Inc 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 50,000 |
The tables below break down 2008 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 2008
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 | 72 | $7,895,000 | $109,000 | $375,000 | $58,000 | $218,000 |
| Home Purchase | 39 | $3,825,000 | $98,000 | $188,000 | $61,000 | $396,000 |
| Home Improvement | 17 | $1,066,000 | $62,000 | $220,000 | $53,000 | $116,000 |
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 | 108 | $10,742,000 | $99,000 | $375,000 | $57,000 | $218,000 |
| Not applicable | 9 | $1,044,000 | $116,000 | $272,000 | $48,000 | $218,000 |
| Not Provided | 7 | $618,000 | $88,000 | $141,000 | $95,000 | $396,000 |
| Asian | 2 | $234,000 | $117,000 | $117,000 | $53,000 | $53,000 |
| Black or African American | 1 | $58,000 | $58,000 | $58,000 | $36,000 | $36,000 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 108 | $10,931,000 | $101,000 | $375,000 | $62,000 | $396,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,599,000 | $94,000 | $151,000 | $41,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 2 | $194,000 | $97,000 | $97,000 | $28,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $62,000 | $62,000 | $62,000 | $19,000 | $19,000 |
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 | 52 | $5,219,000 | $100,000 | $326,000 | $60,000 | $218,000 |
| Application Denied By Financial Institution | 41 | $3,599,000 | $87,000 | $220,000 | $50,000 | $96,000 |
| Application Withdrawn By Applicant | 13 | $1,603,000 | $123,000 | $375,000 | $54,000 | $112,000 |
| Loan Purchased By The Institution | 10 | $1,299,000 | $129,000 | $301,000 | $61,000 | $218,000 |
| Application Approved But Not Accepted | 9 | $901,000 | $100,000 | $186,000 | $92,000 | $396,000 |
| File Closed For Incompleteness | 3 | $165,000 | $55,000 | $90,000 | $41,000 | $45,000 |
| 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 | 11 | $1,190,000 | $108,000 | $220,000 | $47,000 | $80,000 |
| Credit History | 7 | $456,000 | $65,000 | $120,000 | $51,000 | $80,000 |
| Debt-To-Income Ratio | 6 | $396,000 | $66,000 | $108,000 | $42,000 | $77,000 |
| Other | 5 | $536,000 | $107,000 | $139,000 | $50,000 | $68,000 |
| Credit Application Incomplete | 2 | $321,000 | $160,000 | $210,000 | $71,000 | $76,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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