Mahnomen County, MN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 101 mortgage applications in Mahnomen County, MN totaling $12.7 million, up 9% from 2018. The average application was for $125,000, and applicants reported an average income of $92,000. 62% of applications resulted in an originated loan and 10% were denied. The most active lender was US Bank, N.A., with 11 applications, followed by Community Development Bank, FSB and Valley Mortgage, 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 | 101 |
| Total Mortgage Loan Application Amount | $12,665,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $305,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 11 | $ 2,125,000 |
| Community Development Bank, FSB 516 MAIN ST OGEMA, MN 56569 |
* | $ 169,521,000 | 7 | $ 335,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 7 | $ 1,065,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 362,890,000 | 6 | $ 540,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 5 | $ 255,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 466,891,000 | 5 | $ 655,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,706,892,000 | 3 | $ 595,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 355,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 345,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 3 | $ 345,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 835,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 12,122,519,000 | 3 | $ 435,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 290,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 120,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,231,157,000 | 2 | $ 290,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,708,028,000 | 2 | $ 310,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 140,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 5,394,695,000 | 2 | $ 130,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 135,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,176,480,000 | 1 | $ 65,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 35,000 |
| United Savings Credit Union 1001 1ST AVE N FARGO, ND 58102 |
* | $ 69,497,000 | 1 | $ 35,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 175,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ 176,649,000 | 1 | $ 135,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 125,000 |
| Border Bank 133 MAIN STREET N GREENBUSH, MN 56726 |
* | $ 593,663,000 | 1 | $ 225,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 155,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 155,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ -1,000 | 1 | $ 125,000 |
| Bay Bank 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ 95,272,000 | 1 | $ 105,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 105,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 1 | $ 35,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 825,691,000 | 1 | $ 45,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,361,706,000 | 1 | $ 305,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2019 mortgage applications in Mahnomen 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 Mahnomen County, MN in 2019
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 | 54 | $7,130,000 | $132,000 | $335,000 | $106,000 | $305,000 |
| Cash-out Refinancing | 21 | $2,935,000 | $139,000 | $345,000 | $87,000 | $202,000 |
| Refinancing | 15 | $2,095,000 | $139,000 | $355,000 | $58,000 | $113,000 |
| Other Purpose | 6 | $250,000 | $41,000 | $65,000 | $68,000 | $120,000 |
| Home Improvement | 5 | $255,000 | $51,000 | $95,000 | $99,000 | $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 | 60 | $7,130,000 | $118,000 | $335,000 | $97,000 | $305,000 |
| American Indian or Alaskan Native | 18 | $2,040,000 | $113,000 | $355,000 | $60,000 | $169,000 |
| Not applicable | 14 | $2,200,000 | $157,000 | $335,000 | $63,000 | $63,000 |
| Not Provided | 9 | $1,295,000 | $143,000 | $255,000 | $120,000 | $195,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 80 | $9,800,000 | $122,000 | $335,000 | $96,000 | $305,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,840,000 | $131,000 | $255,000 | $75,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 4 | $850,000 | $212,000 | $355,000 | $50,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $175,000 | $58,000 | $65,000 | $88,000 | $88,000 |
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 | 63 | $8,255,000 | $131,000 | $355,000 | $96,000 | $305,000 |
| Loan Purchased By The Institution | 16 | $2,530,000 | $158,000 | $335,000 | $145,000 | $255,000 |
| Application Withdrawn By Applicant | 11 | $775,000 | $70,000 | $155,000 | $51,000 | $103,000 |
| Application Denied By Financial Institution | 10 | $1,040,000 | $104,000 | $285,000 | $100,000 | $202,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $44,000 | $44,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 | 76 | $10,030,000 | $131,000 | $355,000 | $87,000 | $305,000 |
| Debt-To-Income Ratio | 17 | $2,115,000 | $124,000 | $285,000 | $103,000 | $172,000 |
| Collateral | 3 | $95,000 | $31,000 | $35,000 | $104,000 | $169,000 |
| Credit History | 3 | $145,000 | $48,000 | $65,000 | $76,000 | $120,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $202,000 | $202,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $62,000 | $62,000 |
| 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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