Granite Bank Mortgage Lending & HMDA Data, 2025
In 2025, Granite Bank of Cold Spring, MN reported 3,310 mortgage applications totaling $985.2 million, up 137% from 2024. The average application was for $297,628, and applicants reported an average income of $129,804. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,111), Rapid City, SD (218) and Waco, TX (148) (applications in parentheses).
| Mortgage Company & Address | Granite Bank 202 2nd Avenue South, P.O. Box 416 Cold Spring, MN 56320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 3,310 |
| Total Mortgage Loan Application Amount | $985,150,000 |
| Average Mortgage Loan Application Amount | $297,628 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $129,804 |
| Highest Applicant Income | $3,123,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Granite Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin, Minnesota | 350 | $ 109,680,000 | $ 313,371 | $ 133,000 |
| Pennington, South Dakota | 191 | $ 52,995,000 | $ 277,460 | $ 117,000 |
| Anoka, Minnesota | 144 | $ 45,730,000 | $ 317,569 | $ 130,000 |
| Ramsey, Minnesota | 142 | $ 40,790,000 | $ 287,253 | $ 132,000 |
| McLennan, Texas | 141 | $ 39,495,000 | $ 280,106 | $ 126,000 |
| Dakota, Minnesota | 126 | $ 41,370,000 | $ 328,333 | $ 121,000 |
| Crow Wing, Minnesota | 93 | $ 22,655,000 | $ 243,602 | $ 107,000 |
| Maricopa, Arizona | 87 | $ 35,725,000 | $ 410,632 | $ 198,000 |
| Wright, Minnesota | 85 | $ 24,685,000 | $ 290,411 | $ 103,000 |
| Washington, Minnesota | 81 | $ 25,945,000 | $ 320,308 | $ 139,000 |
| El Paso, Colorado | 70 | $ 33,310,000 | $ 475,857 | $ 166,000 |
| Scott, Minnesota | 60 | $ 21,250,000 | $ 354,166 | $ 134,000 |
| St. Louis, Minnesota | 59 | $ 7,205,000 | $ 122,118 | $ 69,000 |
| Milwaukee, Wisconsin | 52 | $ 11,330,000 | $ 217,884 | $ 90,000 |
| Becker, Minnesota | 51 | $ 11,375,000 | $ 223,039 | $ 94,000 |
| Stearns, Minnesota | 49 | $ 11,755,000 | $ 239,897 | $ 102,000 |
| Stark, North Dakota | 43 | $ 12,365,000 | $ 287,558 | $ 113,000 |
| Scott, Iowa | 41 | $ 6,215,000 | $ 151,585 | $ 78,000 |
| Charlotte, Florida | 38 | $ 9,660,000 | $ 254,210 | $ 107,000 |
| Clay, Minnesota | 36 | $ 8,920,000 | $ 247,777 | $ 116,000 |
| Cass, North Dakota | 35 | $ 10,075,000 | $ 287,857 | $ 113,000 |
| Grand Forks, North Dakota | 35 | $ 8,935,000 | $ 255,285 | $ 107,000 |
| Limestone, Alabama | 32 | $ 11,640,000 | $ 363,750 | $ 161,000 |
| Carver, Minnesota | 32 | $ 12,210,000 | $ 381,562 | $ 136,000 |
| Sherburne, Minnesota | 32 | $ 10,560,000 | $ 330,000 | $ 118,000 |
| Pinal, Arizona | 30 | $ 9,970,000 | $ 332,333 | $ 106,000 |
| Kandiyohi, Minnesota | 27 | $ 7,845,000 | $ 290,555 | $ 152,000 |
| Lawrence, South Dakota | 27 | $ 8,085,000 | $ 299,444 | $ 130,000 |
| Laramie, Wyoming | 26 | $ 6,900,000 | $ 265,384 | $ 113,000 |
| Cass, Minnesota | 24 | $ 7,380,000 | $ 307,500 | $ 158,000 |
| Rock Island, Illinois | 23 | $ 2,045,000 | $ 88,913 | $ 86,000 |
| Mahnomen, Minnesota | 23 | $ 3,455,000 | $ 150,217 | $ 97,000 |
| Olmsted, Minnesota | 23 | $ 6,485,000 | $ 281,956 | $ 152,000 |
| Burleigh, North Dakota | 23 | $ 7,965,000 | $ 346,304 | $ 140,000 |
| La Crosse, Wisconsin | 23 | $ 4,885,000 | $ 212,391 | $ 105,000 |
| Aitkin, Minnesota | 20 | $ 5,920,000 | $ 296,000 | $ 151,000 |
| Meade, South Dakota | 20 | $ 6,940,000 | $ 347,000 | $ 137,000 |
| Kootenai, Idaho | 19 | $ 8,955,000 | $ 471,315 | $ 148,000 |
| Otter Tail, Minnesota | 19 | $ 3,265,000 | $ 171,842 | $ 83,000 |
| Fall River, South Dakota | 19 | $ 3,825,000 | $ 201,315 | $ 92,000 |
| Todd, Minnesota | 18 | $ 2,630,000 | $ 146,111 | $ 79,000 |
| Spokane, Washington | 17 | $ 4,015,000 | $ 236,176 | $ 83,000 |
| Polk, Minnesota | 16 | $ 1,950,000 | $ 121,875 | $ 66,000 |
| Butte, South Dakota | 16 | $ 3,060,000 | $ 191,250 | $ 82,000 |
| Isanti, Minnesota | 15 | $ 3,605,000 | $ 240,333 | $ 114,000 |
| Itasca, Minnesota | 14 | $ 2,470,000 | $ 176,428 | $ 78,000 |
| Lee, Florida | 13 | $ 4,355,000 | $ 335,000 | $ 162,000 |
| Madison, Alabama | 12 | $ 3,720,000 | $ 310,000 | $ 185,000 |
| Mille Lacs, Minnesota | 12 | $ 3,530,000 | $ 294,166 | $ 125,000 |
| St. Croix, Wisconsin | 12 | $ 5,370,000 | $ 447,500 | $ 167,000 |
| Morrison, Minnesota | 11 | $ 2,735,000 | $ 248,636 | $ 152,000 |
| Pine, Minnesota | 11 | $ 2,875,000 | $ 261,363 | $ 128,000 |
| Rice, Minnesota | 11 | $ 3,805,000 | $ 345,909 | $ 143,000 |
| Polk, Wisconsin | 11 | $ 3,055,000 | $ 277,727 | $ 167,000 |
| Muscatine, Iowa | 10 | $ 1,170,000 | $ 117,000 | $ 66,000 |
| Kanabec, Minnesota | 10 | $ 2,240,000 | $ 224,000 | $ 100,000 |
| Benton, Minnesota | 9 | $ 2,545,000 | $ 282,777 | $ 119,000 |
| Sibley, Minnesota | 9 | $ 1,425,000 | $ 158,333 | $ 85,000 |
| Morton, North Dakota | 9 | $ 2,975,000 | $ 330,555 | $ 96,000 |
| Sarasota, Florida | 8 | $ 2,860,000 | $ 357,500 | $ 147,000 |
| Chisago, Minnesota | 8 | $ 1,620,000 | $ 202,500 | $ 89,000 |
| Meeker, Minnesota | 8 | $ 1,890,000 | $ 236,250 | $ 150,000 |
| Pierce, Wisconsin | 8 | $ 2,960,000 | $ 370,000 | $ 112,000 |
| Henry, Illinois | 7 | $ 785,000 | $ 112,142 | $ 65,000 |
| Clinton, Iowa | 7 | $ 935,000 | $ 133,571 | $ 72,000 |
| Hubbard, Minnesota | 7 | $ 2,095,000 | $ 299,285 | $ 117,000 |
| McLeod, Minnesota | 7 | $ 3,045,000 | $ 435,000 | $ 158,000 |
| Clark, Nevada | 7 | $ 3,235,000 | $ 462,142 | $ 137,000 |
| Custer, South Dakota | 7 | $ 2,435,000 | $ 347,857 | $ 125,000 |
| Dallas, Texas | 7 | $ 3,885,000 | $ 555,000 | $ 511,000 |
| Riverside, California | 6 | $ 2,690,000 | $ 448,333 | $ 371,000 |
| Douglas, Colorado | 6 | $ 4,480,000 | $ 746,666 | $ 211,000 |
| Shoshone, Idaho | 6 | $ 1,420,000 | $ 236,666 | $ 92,000 |
| Johnson, Kansas | 6 | $ 2,040,000 | $ 340,000 | $ 152,000 |
| Norman, Minnesota | 6 | $ 660,000 | $ 110,000 | $ 64,000 |
| Hughes, South Dakota | 6 | $ 980,000 | $ 163,333 | $ 61,000 |
| Waukesha, Wisconsin | 6 | $ 2,380,000 | $ 396,666 | $ 233,000 |
| Orange, California | 5 | $ 5,105,000 | $ 1,021,000 | $ 300,000 |
| DeSoto, Florida | 5 | $ 1,815,000 | $ 363,000 | $ 301,000 |
| Carlton, Minnesota | 5 | $ 1,045,000 | $ 209,000 | $ 74,000 |
| Goodhue, Minnesota | 5 | $ 1,285,000 | $ 257,000 | $ 110,000 |
| Mower, Minnesota | 5 | $ 535,000 | $ 107,000 | $ 57,000 |
| Yellow Medicine, Minnesota | 5 | $ 575,000 | $ 115,000 | $ 67,000 |
| Bell, Texas | 5 | $ 1,275,000 | $ 255,000 | $ 90,000 |
| Manatee, Florida | 4 | $ 1,730,000 | $ 432,500 | $ 143,000 |
| Polk, Florida | 4 | $ 750,000 | $ 187,500 | $ 72,000 |
| Beltrami, Minnesota | 4 | $ 720,000 | $ 180,000 | $ 59,000 |
| Cook, Minnesota | 4 | $ 1,690,000 | $ 422,500 | $ 335,000 |
| Douglas, Minnesota | 4 | $ 1,370,000 | $ 342,500 | $ 109,000 |
| Le Sueur, Minnesota | 4 | $ 1,030,000 | $ 257,500 | $ 197,000 |
| Red Lake, Minnesota | 4 | $ 260,000 | $ 65,000 | $ 42,000 |
| Swift, Minnesota | 4 | $ 310,000 | $ 77,500 | $ 96,000 |
| Jackson, Missouri | 4 | $ 1,160,000 | $ 290,000 | $ 110,000 |
| Hettinger, North Dakota | 4 | $ 490,000 | $ 122,500 | $ 47,000 |
| Minnehaha, South Dakota | 4 | $ 560,000 | $ 140,000 | $ 81,000 |
| Bosque, Texas | 4 | $ 1,310,000 | $ 327,500 | $ 127,000 |
| Tarrant, Texas | 4 | $ 1,140,000 | $ 285,000 | $ 228,000 |
| Clallam, Washington | 4 | $ 970,000 | $ 242,500 | $ 109,000 |
| Pierce, Washington | 4 | $ 1,530,000 | $ 382,500 | $ 137,000 |
| Morgan, Alabama | 3 | $ 345,000 | $ 115,000 | $ 126,000 |
| Yuma, Arizona | 3 | $ 1,285,000 | $ 428,333 | $ 179,000 |
| Los Angeles, California | 3 | $ 1,735,000 | $ 578,333 | $ 346,000 |
| Denver, Colorado | 3 | $ 315,000 | $ 105,000 | $ 76,000 |
| Jefferson, Colorado | 3 | $ 945,000 | $ 315,000 | $ 120,000 |
| Collier, Florida | 3 | $ 1,745,000 | $ 581,666 | $ 237,000 |
| Miami-Dade, Florida | 3 | $ 1,455,000 | $ 485,000 | $ 169,000 |
| Okaloosa, Florida | 3 | $ 1,115,000 | $ 371,666 | $ 113,000 |
| Pinellas, Florida | 3 | $ 1,075,000 | $ 358,333 | $ 216,000 |
| Bonner, Idaho | 3 | $ 1,925,000 | $ 641,666 | $ 190,000 |
| Mercer, Illinois | 3 | $ 285,000 | $ 95,000 | $ 60,000 |
| Louisa, Iowa | 3 | $ 425,000 | $ 141,666 | $ 115,000 |
| Chippewa, Minnesota | 3 | $ 1,015,000 | $ 338,333 | $ 129,000 |
| Clearwater, Minnesota | 3 | $ 515,000 | $ 171,666 | $ 79,000 |
| Marshall, Minnesota | 3 | $ 335,000 | $ 111,666 | $ 63,000 |
| Martin, Minnesota | 3 | $ 395,000 | $ 131,666 | $ 54,000 |
| Pennington, Minnesota | 3 | $ 815,000 | $ 271,666 | $ 243,000 |
| Redwood, Minnesota | 3 | $ 555,000 | $ 185,000 | $ 55,000 |
| Wabasha, Minnesota | 3 | $ 695,000 | $ 231,666 | $ 135,000 |
| Winona, Minnesota | 3 | $ 655,000 | $ 218,333 | $ 58,000 |
| Clay, Missouri | 3 | $ 1,205,000 | $ 401,666 | $ 162,000 |
| Harnett, North Carolina | 3 | $ 1,235,000 | $ 411,666 | $ 135,000 |
| McLean, North Dakota | 3 | $ 815,000 | $ 271,666 | $ 144,000 |
| Mercer, North Dakota | 3 | $ 1,355,000 | $ 451,666 | $ 290,000 |
| Clay, South Dakota | 3 | $ 395,000 | $ 131,666 | $ 90,000 |
| Jackson, South Dakota | 3 | $ 395,000 | $ 131,666 | $ 81,000 |
| Falls, Texas | 3 | $ 375,000 | $ 125,000 | $ 70,000 |
| Hill, Texas | 3 | $ 725,000 | $ 241,666 | $ 133,000 |
| Victoria, Texas | 3 | $ 525,000 | $ 175,000 | $ 53,000 |
| King, Washington | 3 | $ 2,305,000 | $ 768,333 | $ 242,000 |
| Snohomish, Washington | 3 | $ 1,515,000 | $ 505,000 | $ 156,000 |
| Vernon, Wisconsin | 3 | $ 685,000 | $ 228,333 | $ 54,000 |
| Jefferson, Alabama | 2 | $ 720,000 | $ 360,000 | $ 129,000 |
| Marshall, Alabama | 2 | $ 1,390,000 | $ 695,000 | $ 128,000 |
| Fresno, California | 2 | $ 1,150,000 | $ 575,000 | $ 405,000 |
| Kern, California | 2 | $ 690,000 | $ 345,000 | $ 234,000 |
| Santa Clara, California | 2 | $ 1,590,000 | $ 795,000 | $ 344,000 |
| Custer, Colorado | 2 | $ 790,000 | $ 395,000 | $ 421,000 |
| Mesa, Colorado | 2 | $ 740,000 | $ 370,000 | $ 172,000 |
| Teller, Colorado | 2 | $ 430,000 | $ 215,000 | $ 131,000 |
| Broward, Florida | 2 | $ 1,580,000 | $ 790,000 | $ 200,000 |
| Lake, Florida | 2 | $ 750,000 | $ 375,000 | $ 115,000 |
| Orange, Florida | 2 | $ 1,030,000 | $ 515,000 | $ 187,000 |
| Palm Beach, Florida | 2 | $ 800,000 | $ 400,000 | $ 135,000 |
| Santa Rosa, Florida | 2 | $ 640,000 | $ 320,000 | $ 177,000 |
| Seminole, Florida | 2 | $ 950,000 | $ 475,000 | $ 161,000 |
| St. Lucie, Florida | 2 | $ 750,000 | $ 375,000 | $ 96,000 |
| Fulton, Georgia | 2 | $ 930,000 | $ 465,000 | $ 83,000 |
| Cook, Illinois | 2 | $ 900,000 | $ 450,000 | $ 132,000 |
| Cedar, Iowa | 2 | $ 350,000 | $ 175,000 | $ 38,000 |
| Lee, Iowa | 2 | $ 120,000 | $ 60,000 | $ 86,000 |
| Wayne, Michigan | 2 | $ 130,000 | $ 65,000 | $ 185,000 |
| Blue Earth, Minnesota | 2 | $ 470,000 | $ 235,000 | $ 99,000 |
| Faribault, Minnesota | 2 | $ 490,000 | $ 245,000 | $ 123,000 |
| Freeborn, Minnesota | 2 | $ 630,000 | $ 315,000 | $ 172,000 |
| Lake, Minnesota | 2 | $ 380,000 | $ 190,000 | $ 100,000 |
| Lake of the Woods, Minnesota | 2 | $ 120,000 | $ 60,000 | $ 67,000 |
| Steele, Minnesota | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Wadena, Minnesota | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Wilkin, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 110,000 |
| Camden, Missouri | 2 | $ 360,000 | $ 180,000 | $ 167,000 |
| Douglas, Nebraska | 2 | $ 2,010,000 | $ 1,005,000 | $ 0 |
| Harlan, Nebraska | 2 | $ 570,000 | $ 285,000 | $ 217,000 |
| Sheridan, Nebraska | 2 | $ 220,000 | $ 110,000 | $ 65,000 |
| Sandoval, New Mexico | 2 | $ 1,580,000 | $ 790,000 | $ 145,000 |
| Moore, North Carolina | 2 | $ 770,000 | $ 385,000 | $ 97,000 |
| McKenzie, North Dakota | 2 | $ 920,000 | $ 460,000 | $ 194,000 |
| Traill, North Dakota | 2 | $ 560,000 | $ 280,000 | $ 61,000 |
| Walsh, North Dakota | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| Williams, North Dakota | 2 | $ 510,000 | $ 255,000 | $ 171,000 |
| Cuyahoga, Ohio | 2 | $ 160,000 | $ 80,000 | $ 172,000 |
| Oklahoma, Oklahoma | 2 | $ 720,000 | $ 360,000 | $ 158,000 |
| Tulsa, Oklahoma | 2 | $ 980,000 | $ 490,000 | $ 122,000 |
| Haakon, South Dakota | 2 | $ 440,000 | $ 220,000 | $ 143,000 |
| Knox, Tennessee | 2 | $ 850,000 | $ 425,000 | $ 77,000 |
| McMinn, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 59,000 |
| Collin, Texas | 2 | $ 890,000 | $ 445,000 | $ 102,000 |
| Coryell, Texas | 2 | $ 500,000 | $ 250,000 | $ 125,000 |
| Parker, Texas | 2 | $ 850,000 | $ 425,000 | $ 137,000 |
| Davis, Utah | 2 | $ 600,000 | $ 300,000 | $ 68,000 |
| Weber, Utah | 2 | $ 750,000 | $ 375,000 | $ 75,000 |
| Grays Harbor, Washington | 2 | $ 1,110,000 | $ 555,000 | $ 163,000 |
| Thurston, Washington | 2 | $ 960,000 | $ 480,000 | $ 217,000 |
| Buffalo, Wisconsin | 2 | $ 140,000 | $ 70,000 | $ 60,000 |
| Burnett, Wisconsin | 2 | $ 1,170,000 | $ 585,000 | $ 200,000 |
| Columbia, Wisconsin | 2 | $ 840,000 | $ 420,000 | $ 121,000 |
| Douglas, Wisconsin | 2 | $ 510,000 | $ 255,000 | $ 100,000 |
| Jefferson, Wisconsin | 2 | $ 630,000 | $ 315,000 | $ 75,000 |
| Ozaukee, Wisconsin | 2 | $ 630,000 | $ 315,000 | $ 217,000 |
| Racine, Wisconsin | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Washburn, Wisconsin | 2 | $ 1,660,000 | $ 830,000 | $ 624,000 |
| Washington, Wisconsin | 2 | $ 690,000 | $ 345,000 | $ 90,000 |
| Albany, Wyoming | 2 | $ 790,000 | $ 395,000 | $ 102,000 |
| Goshen, Wyoming | 2 | $ 370,000 | $ 185,000 | $ 121,000 |
| Natrona, Wyoming | 2 | $ 760,000 | $ 380,000 | $ 147,000 |
| Baldwin, Alabama | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
| Colbert, Alabama | 1 | $ 235,000 | $ 235,000 | $ 166,000 |
| Covington, Alabama | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| DeKalb, Alabama | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Etowah, Alabama | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Lauderdale, Alabama | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Coconino, Arizona | 1 | $ 675,000 | $ 675,000 | $ 182,000 |
| Gila, Arizona | 1 | $ 425,000 | $ 425,000 | $ 89,000 |
| La Paz, Arizona | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Mohave, Arizona | 1 | $ 765,000 | $ 765,000 | $ 293,000 |
| Navajo, Arizona | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Pima, Arizona | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Santa Cruz, Arizona | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| Yavapai, Arizona | 1 | $ 325,000 | $ 325,000 | $ 166,000 |
| Alameda, California | 1 | $ 965,000 | $ 965,000 | $ 596,000 |
| Placer, California | 1 | $ 655,000 | $ 655,000 | $ 176,000 |
| Sacramento, California | 1 | $ 415,000 | $ 415,000 | $ 1,440,000 |
| San Bernardino, California | 1 | $ 885,000 | $ 885,000 | $ 517,000 |
| San Diego, California | 1 | $ 735,000 | $ 735,000 | $ 226,000 |
| San Francisco, California | 1 | $ 625,000 | $ 625,000 | $ 403,000 |
| Santa Barbara, California | 1 | $ 735,000 | $ 735,000 | $ 881,000 |
| Santa Cruz, California | 1 | $ 1,125,000 | $ 1,125,000 | $ 353,000 |
| Shasta, California | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Tuolumne, California | 1 | $ 375,000 | $ 375,000 | $ 133,000 |
| Ventura, California | 1 | $ 735,000 | $ 735,000 | $ 145,000 |
| Gilpin, Colorado | 1 | $ 545,000 | $ 545,000 | $ 320,000 |
| La Plata, Colorado | 1 | $ 2,275,000 | $ 2,275,000 | $ 1,144,000 |
| Larimer, Colorado | 1 | $ 805,000 | $ 805,000 | $ 378,000 |
| Summit, Colorado | 1 | $ 655,000 | $ 655,000 | $ 974,000 |
| Weld, Colorado | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Bay, Florida | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Citrus, Florida | 1 | $ 305,000 | $ 305,000 | $ 206,000 |
| Escambia, Florida | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Hendry, Florida | 1 | $ 425,000 | $ 425,000 | $ 179,000 |
| Highlands, Florida | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Osceola, Florida | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| St. Johns, Florida | 1 | $ 705,000 | $ 705,000 | $ 532,000 |
| Sumter, Florida | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Volusia, Florida | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Bryan, Georgia | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Cobb, Georgia | 1 | $ 685,000 | $ 685,000 | $ 210,000 |
| Columbia, Georgia | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Dawson, Georgia | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| DeKalb, Georgia | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Fannin, Georgia | 1 | $ 265,000 | $ 265,000 | $ 103,000 |
| Gwinnett, Georgia | 1 | $ 645,000 | $ 645,000 | $ 150,000 |
| Newton, Georgia | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Paulding, Georgia | 1 | $ 115,000 | $ 115,000 | $ 263,000 |
| Richmond, Georgia | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| White, Georgia | 1 | $ 395,000 | $ 395,000 | $ 82,000 |
| Wilkes, Georgia | 1 | $ 265,000 | $ 265,000 | $ 243,000 |
| Ada, Idaho | 1 | $ 805,000 | $ 805,000 | $ 313,000 |
| Benewah, Idaho | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
| Payette, Idaho | 1 | $ 315,000 | $ 315,000 | $ 222,000 |
| DuPage, Illinois | 1 | $ 845,000 | $ 845,000 | $ 517,000 |
| Lake, Illinois | 1 | $ 225,000 | $ 225,000 | $ 303,000 |
| Madison, Illinois | 1 | $ 145,000 | $ 145,000 | $ 190,000 |
| Allen, Indiana | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| DeKalb, Indiana | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Grant, Indiana | 1 | $ 455,000 | $ 455,000 | $ 79,000 |
| Appanoose, Iowa | 1 | $ 315,000 | $ 315,000 | $ 213,000 |
| Bremer, Iowa | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Dubuque, Iowa | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Kossuth, Iowa | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Linn, Iowa | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Pottawattamie, Iowa | 1 | $ 355,000 | $ 355,000 | $ 88,000 |
| Sioux, Iowa | 1 | $ 145,000 | $ 145,000 | $ 207,000 |
| Taylor, Iowa | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Webster, Iowa | 1 | $ 135,000 | $ 135,000 | $ 310,000 |
| Woodbury, Iowa | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Miami, Kansas | 1 | $ 405,000 | $ 405,000 | $ 246,000 |
| Riley, Kansas | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Sedgwick, Kansas | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Shawnee, Kansas | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Breckinridge, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Henderson, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Jefferson, Kentucky | 1 | $ 355,000 | $ 355,000 | $ 169,000 |
| Big Stone, Minnesota | 1 | $ 255,000 | $ 255,000 | $ 122,000 |
| Cottonwood, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Houston, Minnesota | 1 | $ 645,000 | $ 645,000 | $ 203,000 |
| Jackson, Minnesota | 1 | $ 145,000 | $ 145,000 | $ 88,000 |
| Koochiching, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Lac qui Parle, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Boone, Missouri | 1 | $ 535,000 | $ 535,000 | $ 220,000 |
| Dade, Missouri | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Greene, Missouri | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| St. Louis, Missouri | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Custer, Montana | 1 | $ 455,000 | $ 455,000 | $ 316,000 |
| Gallatin, Montana | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Buffalo, Nebraska | 1 | $ 355,000 | $ 355,000 | $ 196,000 |
| Burt, Nebraska | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Cheyenne, Nebraska | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
| Deuel, Nebraska | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Keith, Nebraska | 1 | $ 645,000 | $ 645,000 | $ 425,000 |
| Sarpy, Nebraska | 1 | $ 315,000 | $ 315,000 | $ 215,000 |
| Bernalillo, New Mexico | 1 | $ 705,000 | $ 705,000 | $ 419,000 |
| Dona Ana, New Mexico | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Catawba, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 157,000 |
| Cumberland, North Carolina | 1 | $ 495,000 | $ 495,000 | $ 176,000 |
| Johnston, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 265,000 |
| Onslow, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Robeson, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Union, North Carolina | 1 | $ 805,000 | $ 805,000 | $ 293,000 |
| Wake, North Carolina | 1 | $ 605,000 | $ 605,000 | $ 270,000 |
| Barnes, North Dakota | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Divide, North Dakota | 1 | $ 225,000 | $ 225,000 | $ 154,000 |
| Dunn, North Dakota | 1 | $ 505,000 | $ 505,000 | $ 174,000 |
| Kidder, North Dakota | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Ransom, North Dakota | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Ward, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Coshocton, Ohio | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Franklin, Ohio | 1 | $ 805,000 | $ 805,000 | $ 625,000 |
| Lake, Ohio | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Lorain, Ohio | 1 | $ 285,000 | $ 285,000 | $ 162,000 |
| Comanche, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Okmulgee, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Curry, Oregon | 1 | $ 305,000 | $ 305,000 | $ 198,000 |
| Berkeley, South Carolina | 1 | $ 405,000 | $ 405,000 | $ 65,000 |
| Charleston, South Carolina | 1 | $ 805,000 | $ 805,000 | $ 468,000 |
| Florence, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Georgetown, South Carolina | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Lexington, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Brookings, South Dakota | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| Brown, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 299,000 |
| Campbell, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Codington, South Dakota | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Douglas, South Dakota | 1 | $ 215,000 | $ 215,000 | $ 94,000 |
| Grant, South Dakota | 1 | $ 195,000 | $ 195,000 | $ 162,000 |
| Hutchinson, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 173,000 |
| Lincoln, South Dakota | 1 | $ 365,000 | $ 365,000 | $ 112,000 |
| Potter, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 157,000 |
| Union, South Dakota | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Walworth, South Dakota | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Anderson, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 74,000 |
| Davidson, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 153,000 |
| Franklin, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 179,000 |
| Loudon, Tennessee | 1 | $ 515,000 | $ 515,000 | $ 133,000 |
| Rutherford, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Sullivan, Tennessee | 1 | $ 795,000 | $ 795,000 | $ 174,000 |
| Sumner, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Erath, Texas | 1 | $ 95,000 | $ 95,000 | $ 153,000 |
| Galveston, Texas | 1 | $ 505,000 | $ 505,000 | $ 245,000 |
| Harris, Texas | 1 | $ 105,000 | $ 105,000 | $ 179,000 |
| Hunt, Texas | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Kleberg, Texas | 1 | $ 375,000 | $ 375,000 | $ 83,000 |
| Lamar, Texas | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Lavaca, Texas | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Montgomery, Texas | 1 | $ 535,000 | $ 535,000 | $ 171,000 |
| Navarro, Texas | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Nueces, Texas | 1 | $ 255,000 | $ 255,000 | $ 270,000 |
| Rockwall, Texas | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| San Patricio, Texas | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Travis, Texas | 1 | $ 315,000 | $ 315,000 | $ 83,000 |
| Utah, Utah | 1 | $ 345,000 | $ 345,000 | $ 205,000 |
| Wasatch, Utah | 1 | $ 325,000 | $ 325,000 | $ 211,000 |
| Washington, Utah | 1 | $ 595,000 | $ 595,000 | $ 188,000 |
| Fairfax, Virginia | 1 | $ 2,095,000 | $ 2,095,000 | $ 487,000 |
| Fauquier, Virginia | 1 | $ 775,000 | $ 775,000 | $ 375,000 |
| Manassas, Virginia | 1 | $ 505,000 | $ 505,000 | $ 188,000 |
| Rappahannock, Virginia | 1 | $ 745,000 | $ 745,000 | $ 253,000 |
| Kittitas, Washington | 1 | $ 755,000 | $ 755,000 | $ 256,000 |
| Pend Oreille, Washington | 1 | $ 415,000 | $ 415,000 | $ 697,000 |
| Stevens, Washington | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Yakima, Washington | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Brown, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 191,000 |
| Clark, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 111,000 |
| Crawford, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Dane, Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| Dodge, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Eau Claire, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 92,000 |
| Marinette, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Monroe, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Pepin, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Richland, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Rusk, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Sheboygan, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 140,000 |
| Trempealeau, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 155,000 |
| Winnebago, Wisconsin | 1 | $ 395,000 | $ 395,000 | $ 240,000 |
| Carbon, Wyoming | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Fremont, Wyoming | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Johnson, Wyoming | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Park, Wyoming | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Platte, Wyoming | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for Granite Bank in 2025
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 | 2,908 | $839,880,000 | $288,000 | $2,095,000 | $126,000 | $3,123,000 |
| Refinancing | 244 | $90,200,000 | $369,000 | $2,275,000 | $166,000 | $1,440,000 |
| Cash-out Refinancing | 116 | $42,270,000 | $364,000 | $4,005,000 | $131,000 | $696,000 |
| Other Purpose | 31 | $9,015,000 | $290,000 | $1,285,000 | $182,000 | $1,045,000 |
| Home Improvement | 11 | $3,785,000 | $344,000 | $1,305,000 | $173,000 | $264,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,160 | $634,200,000 | $293,000 | $2,275,000 | $129,000 | $3,123,000 |
| Not Provided | 579 | $181,985,000 | $314,000 | $1,305,000 | $138,000 | $1,440,000 |
| Hispanic | 217 | $59,195,000 | $272,000 | $1,285,000 | $117,000 | $1,045,000 |
| Black or African American | 139 | $41,875,000 | $301,000 | $1,125,000 | $121,000 | $855,000 |
| Asian | 109 | $34,825,000 | $319,000 | $965,000 | $125,000 | $596,000 |
| American Indian or Alaskan Native | 53 | $10,995,000 | $207,000 | $465,000 | $88,000 | $207,000 |
| Not applicable | 49 | $18,915,000 | $386,000 | $4,005,000 | $194,000 | $296,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $3,160,000 | $790,000 | $1,825,000 | $777,000 | $1,440,000 |
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) | 2,309 | $660,845,000 | $286,000 | $4,005,000 | $140,000 | $3,123,000 |
| FHA-insured (Federal Housing Administration) | 680 | $190,640,000 | $280,000 | $645,000 | $94,000 | $325,000 |
| VA-guaranteed (Veterans Administration) | 282 | $125,450,000 | $444,000 | $2,095,000 | $134,000 | $487,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $8,215,000 | $210,000 | $365,000 | $80,000 | $115,000 |
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 | 2,598 | $772,490,000 | $297,000 | $4,005,000 | $128,000 | $3,123,000 |
| Application Withdrawn By Applicant | 527 | $159,565,000 | $302,000 | $2,275,000 | $142,000 | $1,440,000 |
| Application Denied By Financial Institution | 173 | $50,305,000 | $290,000 | $1,305,000 | $100,000 | $490,000 |
| Application Approved But Not Accepted | 9 | $2,085,000 | $231,000 | $525,000 | $208,000 | $866,000 |
| File Closed For Incompleteness | 2 | $700,000 | $350,000 | $455,000 | $178,000 | $216,000 |
| Loan Purchased By The Institution | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,137 | $934,845,000 | $298,000 | $4,005,000 | $131,000 | $3,123,000 |
| Debt-To-Income Ratio | 74 | $23,910,000 | $323,000 | $1,305,000 | $94,000 | $295,000 |
| Credit History | 28 | $7,890,000 | $281,000 | $835,000 | $106,000 | $278,000 |
| Collateral | 23 | $4,585,000 | $199,000 | $675,000 | $105,000 | $383,000 |
| Credit Application Incomplete | 15 | $4,665,000 | $311,000 | $675,000 | $113,000 | $231,000 |
| Employment History | 14 | $3,440,000 | $245,000 | $405,000 | $104,000 | $490,000 |
| Unverifiable Information | 11 | $3,515,000 | $319,000 | $745,000 | $85,000 | $199,000 |
| Other | 5 | $945,000 | $189,000 | $355,000 | $100,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,355,000 | $451,000 | $685,000 | $127,000 | $189,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Granite Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Granite Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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