Red Lake County, MN Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 98 mortgage applications in Red Lake County, MN totaling $8.2 million, down 13% from 2010. The average application was for $83,000, and applicants reported an average income of $49,000. 65% of applications resulted in an originated loan and 13% were denied. The most active lender was Unity Bank North, with 23 applications, followed by Wells Fargo Bank NA 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 | 98 |
| Total Mortgage Loan Application Amount | $8,162,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $238,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $176,000 |
| 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 |
* | $ 71,302,000 | 23 | $ 1,360,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 20 | $ 1,444,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 8 | $ 788,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 7 | $ 630,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ 100,276,000 | 3 | $ 118,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 281,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 2 | $ 97,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 375,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 185,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 2 | $ 184,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 174,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 133,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 86,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 54,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 100,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 94,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 104,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 100,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 881,299,000 | 1 | $ 191,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 727,106,000 | 1 | $ 62,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 412,332,000 | 1 | $ 61,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 53,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 95,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,112,179,000 | 1 | $ 136,000 |
| Crookston National Bank 1901 SAHLSTROM DRIVE CROOKSTON, MN 56716 |
* | $ 51,152,000 | 1 | $ 40,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 220,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 238,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 1 | $ 133,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 828,468,000 | 1 | $ 93,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,303,401,000 | 1 | $ 26,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 117,000 |
The tables below break down 2011 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 2011
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 | 51 | $4,850,000 | $95,000 | $238,000 | $51,000 | $100,000 |
| Home Purchase | 36 | $2,964,000 | $82,000 | $162,000 | $46,000 | $176,000 |
| Home Improvement | 11 | $348,000 | $31,000 | $80,000 | $52,000 | $114,000 |
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 | 84 | $6,581,000 | $78,000 | $209,000 | $51,000 | $176,000 |
| Not applicable | 7 | $717,000 | $102,000 | $136,000 | $14,000 | $70,000 |
| Not Provided | 5 | $784,000 | $156,000 | $238,000 | $67,000 | $97,000 |
| Black or African American | 1 | $69,000 | $69,000 | $69,000 | $44,000 | $44,000 |
| Hispanic | 1 | $11,000 | $11,000 | $11,000 | $29,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 69 | $5,221,000 | $75,000 | $238,000 | $53,000 | $176,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,015,000 | $95,000 | $136,000 | $40,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $706,000 | $100,000 | $146,000 | $40,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 1 | $220,000 | $220,000 | $220,000 | $65,000 | $65,000 |
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 | 64 | $5,164,000 | $80,000 | $220,000 | $53,000 | $176,000 |
| Application Denied By Financial Institution | 13 | $937,000 | $72,000 | $209,000 | $52,000 | $93,000 |
| Loan Purchased By The Institution | 12 | $1,165,000 | $97,000 | $146,000 | $27,000 | $70,000 |
| Application Approved But Not Accepted | 5 | $376,000 | $75,000 | $132,000 | $49,000 | $89,000 |
| File Closed For Incompleteness | 3 | $403,000 | $134,000 | $238,000 | $51,000 | $73,000 |
| Application Withdrawn By Applicant | 1 | $117,000 | $117,000 | $117,000 | $47,000 | $47,000 |
| 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 | 4 | $105,000 | $26,000 | $50,000 | $54,000 | $75,000 |
| Collateral | 2 | $208,000 | $104,000 | $140,000 | $80,000 | $90,000 |
| Other | 2 | $70,000 | $35,000 | $55,000 | $40,000 | $80,000 |
| Debt-To-Income Ratio | 1 | $124,000 | $124,000 | $124,000 | $25,000 | $25,000 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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