Lake of the Woods County, MN Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 130 mortgage applications in Lake of the Woods County, MN totaling $17.0 million, up 26% from 2014. The average application was for $130,000, and applicants reported an average income of $65,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 27 applications, followed by Riverwood Bank and JPMorgan Chase 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 | 130 |
| Total Mortgage Loan Application Amount | $16,960,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $436,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $451,000 |
| 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 |
* | $ 1,532,784,000,000 | 27 | $ 3,446,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 319,997,000 | 10 | $ 782,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 6 | $ 784,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,477,918,000 | 5 | $ 798,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 4 | $ 410,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 4 | $ 598,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 4 | $ 651,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 4 | $ 695,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,703,826,000 | 4 | $ 508,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 672,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 3 | $ 402,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 245,560,000 | 3 | $ 300,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 217,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 493,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 2 | $ 157,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 2 | $ 244,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 252,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 245,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 160,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,576,587,000 | 2 | $ 311,000 |
| Private Bank of Buckhead 3565 PIEDMONT ROAD, BLDG 3, STE 210 ATLANTA, GA 30305 |
* | $ 245,738,000 | 1 | $ 100,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 247,735,000 | 1 | $ 99,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,771,679,000 | 1 | $ 46,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 479,751,000 | 1 | $ 180,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 184,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 149,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 207,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 112,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ 9,427,000 | 1 | $ 253,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 136,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 123,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 64,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 83,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 93,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 116,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 3,271,040,000 | 1 | $ 170,000 |
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 76,880,000 | 1 | $ 80,000 |
| Unity Bank 1180 W 4TH STREET RUSH CITY, MN 55069 |
* | $ 185,766,000 | 1 | $ 172,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 351,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 106,000 |
| St Paul Federal Credit Union 1330 CONWAY ST, STE 200 SAINT PAUL, MN 55106 |
* | $ 127,130,000 | 1 | $ 165,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 856,467,000 | 1 | $ 236,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 246,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 103,000 |
The tables below break down 2015 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 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 | 59 | $8,072,000 | $136,000 | $436,000 | $70,000 | $451,000 |
| Refinancing | 59 | $8,197,000 | $138,000 | $351,000 | $60,000 | $200,000 |
| Home Improvement | 12 | $691,000 | $57,000 | $147,000 | $63,000 | $154,000 |
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 | 103 | $13,270,000 | $128,000 | $436,000 | $75,000 | $451,000 |
| Not applicable | 16 | $2,191,000 | $136,000 | $255,000 | $6,000 | $40,000 |
| Not Provided | 8 | $1,155,000 | $144,000 | $253,000 | $60,000 | $85,000 |
| Asian | 2 | $234,000 | $117,000 | $150,000 | $37,000 | $40,000 |
| Hispanic | 1 | $110,000 | $110,000 | $110,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 89 | $11,207,000 | $125,000 | $436,000 | $74,000 | $451,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,396,000 | $130,000 | $259,000 | $39,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,037,000 | $115,000 | $226,000 | $28,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,320,000 | $220,000 | $388,000 | $90,000 | $210,000 |
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 | 67 | $8,815,000 | $131,000 | $436,000 | $76,000 | $451,000 |
| Application Denied By Financial Institution | 29 | $3,336,000 | $115,000 | $351,000 | $56,000 | $153,000 |
| Loan Purchased By The Institution | 19 | $2,677,000 | $140,000 | $255,000 | $21,000 | $166,000 |
| Application Withdrawn By Applicant | 11 | $1,629,000 | $148,000 | $259,000 | $86,000 | $200,000 |
| File Closed For Incompleteness | 2 | $295,000 | $147,000 | $149,000 | $62,000 | $79,000 |
| Application Approved But Not Accepted | 2 | $208,000 | $104,000 | $159,000 | $114,000 | $154,000 |
| 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 | 9 | $1,321,000 | $146,000 | $351,000 | $71,000 | $153,000 |
| Credit History | 5 | $221,000 | $44,000 | $95,000 | $41,000 | $48,000 |
| Credit Application Incomplete | 4 | $295,000 | $73,000 | $123,000 | $42,000 | $78,000 |
| Other | 2 | $289,000 | $144,000 | $154,000 | $64,000 | $80,000 |
| Unverifiable Information | 1 | $41,000 | $41,000 | $41,000 | $15,000 | $15,000 |
| Debt-To-Income Ratio | 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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