Lincoln County, MN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 149 mortgage applications in Lincoln County, MN totaling $22.8 million, up 13% from 2022. The average application was for $153,000, and applicants reported an average income of $90,000. 62% of applications resulted in an originated loan and 11% were denied. The most active lender was First Bank & Trust, with 27 applications, followed by US Bank, N.A. and BMO Harris 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 | 149 |
| Total Mortgage Loan Application Amount | $22,825,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $681,000 |
* 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 |
|---|---|---|---|---|
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,377,534,000 | 27 | $ 3,245,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 8 | $ 540,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 7 | $ 825,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 15,939,263,000 | 6 | $ 830,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 6 | $ 560,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 2,847,684,000 | 5 | $ 1,345,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 1,045,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 780,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 4 | $ 570,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,748,882,000 | 4 | $ 1,160,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 445,000 |
| First State Bank Southwest 1433 OXFORD STREET WORTHINGTON, MN 56187 |
* | $ 405,041,000 | 3 | $ 355,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 885,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 455,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 3 | $ 95,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 539,421,000 | 3 | $ 335,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 455,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 2 | $ 350,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 360,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,576,574,000 | 2 | $ 320,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 670,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 2 | $ 50,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 200,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 2 | $ 120,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 2 | $ 360,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 65,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 1 | $ 35,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 15,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ 300,835,000 | 1 | $ 305,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 4,614,668,000 | 1 | $ 75,000 |
| Citizens Alliance Bank 55 NW 1ST ST NW PO BOX 430 CLARA CITY, MN 56222 |
* | $ 1,316,544,000 | 1 | $ 105,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 799,417,000 | 1 | $ 245,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 95,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 345,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,589,007,000 | 1 | $ 95,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 85,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 1,096,108,000 | 1 | $ 35,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 95,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 85,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 175,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 265,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 575,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 375,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 1,635,354,000 | 1 | $ 75,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 605,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 95,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 444,412,000 | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 605,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
The tables below break down 2023 mortgage applications in Lincoln 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 Lincoln County, MN in 2023
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 | 99 | $16,755,000 | $169,000 | $605,000 | $90,000 | $681,000 |
| Home Improvement | 15 | $875,000 | $58,000 | $155,000 | $92,000 | $456,000 |
| Cash-out Refinancing | 14 | $3,120,000 | $222,000 | $605,000 | $88,000 | $352,000 |
| Other Purpose | 11 | $505,000 | $45,000 | $75,000 | $96,000 | $183,000 |
| Refinancing | 10 | $1,570,000 | $157,000 | $565,000 | $86,000 | $160,000 |
| 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 | 119 | $18,715,000 | $157,000 | $605,000 | $86,000 | $456,000 |
| Not Provided | 17 | $1,735,000 | $102,000 | $345,000 | $125,000 | $681,000 |
| Not applicable | 10 | $2,020,000 | $202,000 | $595,000 | $0 | $0 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $54,000 | $54,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $19,000 | $19,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $74,000 | $74,000 |
| 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) | 109 | $17,445,000 | $160,000 | $605,000 | $100,000 | $681,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,190,000 | $145,000 | $405,000 | $65,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $965,000 | $87,000 | $165,000 | $47,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,225,000 | $175,000 | $365,000 | $63,000 | $104,000 |
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 | 92 | $13,360,000 | $145,000 | $575,000 | $86,000 | $300,000 |
| Application Denied By Financial Institution | 17 | $2,055,000 | $120,000 | $405,000 | $65,000 | $179,000 |
| Application Withdrawn By Applicant | 17 | $2,985,000 | $175,000 | $605,000 | $136,000 | $681,000 |
| Loan Purchased By The Institution | 15 | $2,915,000 | $194,000 | $595,000 | $59,000 | $133,000 |
| File Closed For Incompleteness | 5 | $775,000 | $155,000 | $335,000 | $45,000 | $70,000 |
| Application Approved But Not Accepted | 3 | $735,000 | $245,000 | $605,000 | $211,000 | $456,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 129 | $20,345,000 | $157,000 | $605,000 | $94,000 | $681,000 |
| Credit History | 7 | $725,000 | $103,000 | $205,000 | $83,000 | $163,000 |
| Debt-To-Income Ratio | 6 | $870,000 | $145,000 | $225,000 | $52,000 | $83,000 |
| Collateral | 6 | $830,000 | $138,000 | $405,000 | $66,000 | $179,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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