Norman County, MN Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 211 mortgage applications in Norman County, MN totaling $20.3 million, down 19% from 2012. The average application was for $95,000, and applicants reported an average income of $67,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 36 applications, followed by Frandsen Bank & Trust and US Bank, N.A..
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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 | 211 |
| Total Mortgage Loan Application Amount | $20,252,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $765,000 |
* 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 MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 36 | $ 3,298,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,553,174,000 | 17 | $ 1,289,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 15 | $ 1,445,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 485,210,000 | 13 | $ 1,313,000 |
| Northwestern Bank, National Association 4 NORTH MAIN - PO BOX 10 DILWORTH, MN 56547 |
* | $ 136,855,000 | 12 | $ 960,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 8 | $ 498,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 7 | $ 646,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 7 | $ 567,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 5 | $ 296,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 722,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 5 | $ 467,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 4 | $ 296,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 285,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 266,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 4 | $ 442,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 4 | $ 314,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 466,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 3 | $ 313,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 221,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ 136,605,000 | 3 | $ 1,025,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 328,539,000 | 3 | $ 422,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 576,362,000 | 2 | $ 100,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 338,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 2 | $ 231,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 307,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,608,821,000 | 2 | $ 77,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 305,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 278,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 2 | $ 248,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 233,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 981,868,000 | 2 | $ 303,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,500,067,000 | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 14,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 825,262,000 | 1 | $ 37,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 104,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 48,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,923,392,000 | 1 | $ 103,000 |
| American Investors Bank and Mortgage 6385 OLD SHADY OAK ROAD, SUITE #110 EDEN PRAIRIE, MN 55344 |
* | $ 95,674,000 | 1 | $ 91,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 99,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,731,663,000 | 1 | $ 95,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 50,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 178,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 56,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,603,153,000 | 1 | $ 35,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 327,572,000 | 1 | $ 48,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 704,884,000 | 1 | $ 50,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,482,504,000 | 1 | $ 82,000 |
| Crookston National Bank 1901 SAHLSTROM DRIVE CROOKSTON, MN 56716 |
* | $ 61,085,000 | 1 | $ 339,000 |
The tables below break down 2013 mortgage applications in Norman 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 Norman County, MN in 2013
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 | 116 | $12,755,000 | $109,000 | $850,000 | $73,000 | $765,000 |
| Home Purchase | 74 | $6,595,000 | $89,000 | $228,000 | $61,000 | $606,000 |
| Home Improvement | 21 | $902,000 | $42,000 | $136,000 | $56,000 | $107,000 |
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 | 178 | $17,109,000 | $96,000 | $850,000 | $74,000 | $765,000 |
| Not applicable | 20 | $1,776,000 | $88,000 | $203,000 | $17,000 | $124,000 |
| Not Provided | 5 | $661,000 | $132,000 | $259,000 | $48,000 | $105,000 |
| Hispanic | 5 | $277,000 | $55,000 | $86,000 | $30,000 | $80,000 |
| American Indian or Alaskan Native | 2 | $201,000 | $100,000 | $154,000 | $104,000 | $143,000 |
| Asian | 1 | $228,000 | $228,000 | $228,000 | $105,000 | $105,000 |
| Black or African American | 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) | 139 | $12,566,000 | $90,000 | $339,000 | $84,000 | $765,000 |
| FHA-insured (Federal Housing Administration) | 44 | $3,941,000 | $89,000 | $178,000 | $38,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,085,000 | $148,000 | $850,000 | $34,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,660,000 | $118,000 | $280,000 | $27,000 | $83,000 |
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 | 109 | $11,617,000 | $106,000 | $850,000 | $85,000 | $765,000 |
| Application Denied By Financial Institution | 36 | $2,320,000 | $64,000 | $230,000 | $47,000 | $117,000 |
| Loan Purchased By The Institution | 29 | $2,876,000 | $99,000 | $203,000 | $27,000 | $124,000 |
| Application Withdrawn By Applicant | 15 | $1,451,000 | $96,000 | $178,000 | $59,000 | $141,000 |
| Application Approved But Not Accepted | 13 | $967,000 | $74,000 | $163,000 | $61,000 | $202,000 |
| File Closed For Incompleteness | 9 | $1,021,000 | $113,000 | $280,000 | $88,000 | $398,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 11 | $561,000 | $51,000 | $112,000 | $42,000 | $116,000 |
| Collateral | 7 | $664,000 | $94,000 | $230,000 | $42,000 | $95,000 |
| Credit History | 7 | $301,000 | $43,000 | $86,000 | $50,000 | $117,000 |
| Credit Application Incomplete | 2 | $114,000 | $57,000 | $62,000 | $83,000 | $100,000 |
| Employment History | 2 | $122,000 | $61,000 | $64,000 | $28,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $46,000 | $46,000 | $46,000 | $34,000 | $34,000 |
| Other | 1 | $148,000 | $148,000 | $148,000 | $78,000 | $78,000 |
| Unverifiable Information | 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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