Rock County, MN Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 294 mortgage applications in Rock County, MN totaling $50.1 million, down 46% from 2021. The average application was for $170,000, and applicants reported an average income of $84,000. 59% of applications resulted in an originated loan and 7% were denied. The most active lender was Plains Commerce Bank, with 29 applications, followed by Minnwest Bank and First International Bank & Trust.
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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 | 294 |
| Total Mortgage Loan Application Amount | $50,110,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $371,000 |
* 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 |
|---|---|---|---|---|
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 29 | $ 6,325,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 2,704,195,000 | 21 | $ 2,515,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 19 | $ 3,375,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 18 | $ 2,610,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,889,083,000 | 13 | $ 1,905,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 12 | $ 3,040,000 |
| Security Savings Bank LARCHWOOD, IA 51241 |
* | $ 488,193,000 | 10 | $ 1,580,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,059,403,000 | 9 | $ 1,095,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 9 | $ 2,155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 2,285,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,055,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 6 | $ 1,180,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 745,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 985,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 5 | $ 445,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 5 | $ 445,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,425,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 735,374,000 | 4 | $ 540,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 4 | $ 390,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 4 | $ 750,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 3 | $ 395,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 1,189,079,000 | 3 | $ 505,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 275,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 1,319,953,000 | 3 | $ 625,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 75,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 475,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 185,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 550,041,000 | 2 | $ 290,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 320,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 2 | $ 390,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 900,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 2 | $ 250,000 |
| Bluestone Federal Credit Union 5010 S SOLBERG AVE SIOUX FALLS, SD 57109 |
* | $ 177,429,000 | 2 | $ 50,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 550,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 420,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 508,641,000 | 2 | $ 270,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 60,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,760,455,000 | 2 | $ 500,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 2 | $ 640,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,731,908,000 | 2 | $ 540,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 180,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 3,746,301,000 | 2 | $ 150,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 2,449,188,000 | 2 | $ 650,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 217,942,000 | 2 | $ 360,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 385,000 |
| Premier Bank 1004 21ST AVENUE ROCK VALLEY, IA 51247 |
* | $ 551,675,000 | 1 | $ 135,000 |
| Frontier Bank 301 FIRST AVE ROCK RAPIDS, IA 51241 |
* | $ 278,868,000 | 1 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 245,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 1 | $ 175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 185,000 |
| Boundary Waters Bank 11800 ABERDEEN ST NE #120 BLAINE, MN 55449 |
* | $ 117,525,000 | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 185,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 155,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 255,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 245,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 125,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 145,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 295,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,952,365,000 | 1 | $ 105,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 155,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 801,659,000 | 1 | $ 225,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 1 | $ 145,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 215,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 135,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 25,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 1,566,307,000 | 1 | $ 25,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 175,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2022 mortgage applications in Rock 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 Rock County, MN in 2022
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 | 168 | $32,970,000 | $196,000 | $645,000 | $80,000 | $371,000 |
| Cash-out Refinancing | 64 | $9,960,000 | $155,000 | $595,000 | $83,000 | $345,000 |
| Refinancing | 27 | $4,015,000 | $148,000 | $645,000 | $93,000 | $371,000 |
| Home Improvement | 23 | $2,045,000 | $88,000 | $305,000 | $88,000 | $184,000 |
| Other Purpose | 10 | $1,010,000 | $101,000 | $345,000 | $127,000 | $320,000 |
| Not Applicable | 2 | $110,000 | $55,000 | $65,000 | $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 | 231 | $39,105,000 | $169,000 | $645,000 | $88,000 | $371,000 |
| Not applicable | 36 | $7,330,000 | $203,000 | $645,000 | $84,000 | $86,000 |
| Not Provided | 20 | $2,680,000 | $134,000 | $255,000 | $63,000 | $146,000 |
| Hispanic | 6 | $840,000 | $140,000 | $225,000 | $44,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $29,000 | $29,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 198 | $32,210,000 | $162,000 | $645,000 | $93,000 | $371,000 |
| FHA-insured (Federal Housing Administration) | 46 | $7,530,000 | $163,000 | $285,000 | $57,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 27 | $6,735,000 | $249,000 | $595,000 | $73,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,635,000 | $158,000 | $265,000 | $58,000 | $91,000 |
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 | 174 | $27,990,000 | $160,000 | $645,000 | $85,000 | $371,000 |
| Loan Purchased By The Institution | 45 | $9,995,000 | $222,000 | $645,000 | $74,000 | $117,000 |
| Application Withdrawn By Applicant | 43 | $7,825,000 | $181,000 | $595,000 | $94,000 | $320,000 |
| Application Denied By Financial Institution | 22 | $2,480,000 | $112,000 | $345,000 | $61,000 | $191,000 |
| File Closed For Incompleteness | 6 | $550,000 | $91,000 | $155,000 | $86,000 | $184,000 |
| Application Approved But Not Accepted | 3 | $1,065,000 | $355,000 | $605,000 | $138,000 | $201,000 |
| Preapproval Approved but not Accepted | 1 | $205,000 | $205,000 | $205,000 | $66,000 | $66,000 |
| 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 | 254 | $45,010,000 | $177,000 | $645,000 | $85,000 | $371,000 |
| Debt-To-Income Ratio | 22 | $3,410,000 | $155,000 | $345,000 | $97,000 | $213,000 |
| Credit History | 8 | $750,000 | $93,000 | $205,000 | $33,000 | $100,000 |
| Collateral | 4 | $310,000 | $77,000 | $105,000 | $113,000 | $191,000 |
| Other | 2 | $30,000 | $15,000 | $15,000 | $103,000 | $117,000 |
| Unverifiable Information | 2 | $340,000 | $170,000 | $185,000 | $55,000 | $64,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $80,000 | $80,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $77,000 | $77,000 |
| 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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