Red Lake County, MN Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 196 mortgage applications in Red Lake County, MN totaling $13.3 million, down 15% from 2004. The average application was for $67,000, and applicants reported an average income of $43,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was Unity Bank North, with 40 applications, followed by Wells Fargo Bank, NA and Ameriquest Mortgage Company.
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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 | 196 |
| Total Mortgage Loan Application Amount | $13,267,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $226,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $1,200,000 |
* 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 |
|---|---|---|---|---|
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 45,724,000 | 40 | $ 1,746,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 24 | $ 1,332,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 11 | $ 1,088,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 637,365,000 | 6 | $ 441,000 |
| Wells Fargo Fin'l Minnesota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 365,471,000 | 6 | $ 265,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 6 | $ 615,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 5 | $ 423,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 5 | $ 404,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 5 | $ 320,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 5 | $ 614,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 4 | $ 256,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 4 | $ 351,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 4 | $ 352,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 3 | $ 71,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 3 | $ 146,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 3 | $ 276,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 351,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 3 | $ 173,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 129,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 2 | $ 92,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 631,033,000 | 2 | $ 97,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 2 | $ 120,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 210,000 |
| Loancity 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,092,666,000 | 2 | $ 172,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 2 | $ 110,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 2 | $ 189,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 68,103,000 | 1 | $ 85,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 56,000 |
| Winstar Mortgage Partners, Inc 13705 FIRST AVENUE NORTH, SUITE 500 PLYMOUTH, MN 55441 |
* | $ 5,423,000 | 1 | $ 38,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 643,138,000 | 1 | $ 105,000 |
| Homefield Financial, Inc. 410 EXCHANGE, SUITE 100 IRVINE, CA 92602 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 59,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 61,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 90,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 66,000 |
| Northwestern Bank, National Association 4 NORTH MAIN - PO BOX 10 DILWORTH, MN 56547 |
* | $ 126,633,000 | 1 | $ 124,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 31,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Security State Bank of Marine 120 JUDD STREET MARINE ON ST CROIX, MN 55047 |
* | $ 88,939,000 | 1 | $ 31,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Marketplace Home Mortgage, LLC 3600 MINNESOTA DRIVE, SUITE 150 EDINA, MN 55435 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 483,291,000 | 1 | $ 104,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 1 | $ 78,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 123,351,000 | 1 | $ 46,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 181,871,000 | 1 | $ 150,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 767,323,000 | 1 | $ 10,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 33,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 29,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 86,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 1 | $ 53,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 1 | $ 58,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 243,421,000 | 1 | $ 130,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 972,662,000 | 1 | $ 48,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Crookston National Bank 1901 SAHLSTROM DRIVE CROOKSTON, MN 56716 |
* | $ 37,653,000 | 1 | $ 93,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 31,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 1 | $ 165,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 130,000 |
The tables below break down 2005 mortgage applications in Red Lake 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 Red Lake County, MN in 2005
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 | 96 | $7,803,000 | $81,000 | $203,000 | $43,000 | $1,200,000 |
| Home Purchase | 55 | $3,642,000 | $66,000 | $166,000 | $41,000 | $144,000 |
| Home Improvement | 45 | $1,822,000 | $40,000 | $226,000 | $45,000 | $183,000 |
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 | 157 | $10,642,000 | $67,000 | $226,000 | $48,000 | $1,200,000 |
| Not Provided | 24 | $1,438,000 | $59,000 | $123,000 | $39,000 | $118,000 |
| Not applicable | 9 | $753,000 | $83,000 | $168,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $157,000 | $52,000 | $140,000 | $35,000 | $59,000 |
| Black or African American | 2 | $147,000 | $73,000 | $115,000 | $9,000 | $19,000 |
| Hispanic | 1 | $130,000 | $130,000 | $130,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 189 | $12,815,000 | $67,000 | $226,000 | $42,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 7 | $452,000 | $64,000 | $111,000 | $50,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 97 | $6,141,000 | $63,000 | $226,000 | $46,000 | $183,000 |
| Application Denied By Financial Institution | 40 | $2,323,000 | $58,000 | $152,000 | $35,000 | $120,000 |
| Loan Purchased By The Institution | 22 | $1,815,000 | $82,000 | $168,000 | $25,000 | $94,000 |
| Application Withdrawn By Applicant | 16 | $1,226,000 | $76,000 | $180,000 | $54,000 | $100,000 |
| File Closed For Incompleteness | 12 | $1,402,000 | $116,000 | $203,000 | $63,000 | $1,200,000 |
| Application Approved But Not Accepted | 9 | $360,000 | $40,000 | $58,000 | $45,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $387,000 | $38,000 | $90,000 | $42,000 | $91,000 |
| Other | 9 | $565,000 | $62,000 | $134,000 | $30,000 | $60,000 |
| Collateral | 3 | $134,000 | $44,000 | $60,000 | $37,000 | $48,000 |
| Credit Application Incomplete | 2 | $107,000 | $53,000 | $57,000 | $36,000 | $39,000 |
| Debt-To-Income Ratio | 2 | $158,000 | $79,000 | $90,000 | $19,000 | $25,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $3,000 | $3,000 |
| Unverifiable Information | 1 | $152,000 | $152,000 | $152,000 | $49,000 | $49,000 |
| 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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