St. Cloud, MN Metro Area Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 8,090 mortgage applications in St. Cloud, MN metro area totaling $1.3 billion, up 25% from 2014. The average application was for $159,392, and applicants reported an average income of $69,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank NA, with 767 applications, followed by US Bank, N.A. and Liberty Savings Bank FSB.

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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 8,090
Total Mortgage Loan Application Amount $1,289,488,000
Average Mortgage Loan Application Amount $159,392
Highest Mortgage Loan Application Amount $7,401,000
Average Applicant Income $69,000
Highest Applicant Income $1,924,000

Mortgage Company List for Lending in St. Cloud, MN for 2015

* 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
* $ 1,532,784,000,000 767 $ 121,571,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 681 $ 107,843,000
Liberty Savings Bank FSB
111 7TH AVE S
SAINT CLOUD, MN 56301
* $ 189,743,000 645 $ 107,778,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ 856,467,000 557 $ 71,265,000
St. Cloud Financial Credit Union
3030 1ST ST S
SAINT CLOUD, MN 56301
* $ 111,791,000 298 $ 32,537,000
Bremer Bank, NA
372 ST. PETER STREET
ST. PAUL, MN 55102
* $ 9,158,286,000 293 $ 53,744,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 206 $ 31,739,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 190 $ 28,867,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 189 $ 33,187,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 171 $ 24,593,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 148,816,000 152 $ 24,828,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 147 $ 22,337,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 122 $ 20,732,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 119 $ 16,679,000
Great River Federal CU
1532 W ST GERMAIN STREET
ST CLOUD, MN 56301
* $ 153,961,000 118 $ 11,621,000
American Heritage National Bank
24 2ND ST S
LONG PRAIRIE, MN 56347
* $ 244,283,000 102 $ 20,051,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 92 $ 14,176,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 89 $ 11,792,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 86 $ 11,639,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 81 $ 11,905,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 1,703,826,000 77 $ 7,875,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 70 $ 11,686,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 68 $ 9,999,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 68 $ 10,314,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 3,271,040,000 65 $ 11,365,000
Plaza Park State Bank
131 6TH AVE S - SUITE 100, PO BOX 337
WAITE PARK, MN 56387
* $ 176,385,000 62 $ 10,845,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ 4,028,990,000 61 $ 9,830,000
Stearns Bank National Association
4191 2ND ST S
ST. CLOUD, MN 56301
* $ 1,763,816,000 61 $ 12,166,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ 10,000,000 57 $ 11,450,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 51 $ 8,523,000
Falcon National Bank
183 CEDAR DRIVE
FOLEY, MN 56329
* $ 172,091,000 50 $ 8,029,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 48 $ 7,746,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 45 $ 7,172,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 963,267,000 45 $ 6,163,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,576,587,000 43 $ 5,007,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 42 $ 6,884,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 42 $ 6,584,000
Minnesota National Bank
131 12TH ST S
SAUK CENTRE, MN 56378
* $ 223,370,000 39 $ 2,679,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 39 $ 5,783,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 38 $ 6,785,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 38 $ 5,928,000
Sentry Bank
400 4TH AVE NE
ST. JOSEPH, MN 56374
* $ 191,465,000 37 $ 4,470,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,518,754,000 37 $ 7,097,000
Freeport State Bank
111 MAIN ST E
FREEPORT, MN 56331
* $ 100,711,000 36 $ 5,422,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 497,841,000 35 $ 6,192,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 35 $ 4,494,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 33 $ 4,930,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 33 $ 4,359,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 31 $ 4,998,000
Avon State Bank
104 AVON AVE N
AVON, MN 56310
* $ 109,462,000 31 $ 3,410,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 30 $ 5,771,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 29 $ 3,692,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ 1,578,629,000 29 $ 27,995,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ 103,983,000 27 $ 4,915,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 25 $ 4,493,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ 7,380,000 25 $ 3,605,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 25 $ 4,623,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 23 $ 3,023,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 23 $ 4,368,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 19,425,092,000 23 $ 3,032,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 23 $ 2,920,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 702,990,000 22 $ 7,562,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ 86,584,000 21 $ 3,452,000
Bonanza Valley State Bank
PO BOX 400 147 CENTRAL AVE S
BROOTEN, MN 56316
* $ 58,638,000 21 $ 1,919,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 21 $ 3,036,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 20 $ 3,526,000
State Bank of Richmond
22 CENTRAL AVE S, PO BOX 519
RICHMOND, MN 56368
* $ 88,230,000 20 $ 2,807,000
Marketplace Home Mortgage, LLC
7380 FRANCE AVE S, STE 200
EDINA, MN 55435
* $ 34,593,007,000 20 $ 3,896,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 20 $ 3,229,000
Farmers & Merchants State Bank of Pierz
80 MAIN STREET N, P.O. BOX 308
PIERZ, MN 56364
* $ 185,410,000 19 $ 2,363,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,680,579,000 19 $ 2,480,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 18 $ 2,010,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 18 $ 3,182,000
American Lending Solutions LLC
N4365 STATE HWY 73
COLUMBUS, WI 53925
* $ 10,861,469,000 17 $ 2,827,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 17 $ 2,318,000
First State Bank of Sauk Centre
423 MAIN ST S
SAUK CENTRE, MN 56378
* $ 96,052,000 17 $ 2,183,000
State Bank of Cold Spring
401 MAIN STREET P.O. BOX 415
COLD SPRING, MN 56320
* $ 53,848,000 16 $ 2,503,000
American National Bank of Minnesota
1920 SOUTH SIXTH STREET
BRAINERD, MN 56401
* $ 247,735,000 16 $ 1,662,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 15 $ 1,754,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 15 $ 491,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 15 $ 2,245,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 14 $ 2,082,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 13 $ 1,912,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 13 $ 1,846,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 12 $ 2,025,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ 1,518,000 12 $ 1,861,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 12 $ 2,012,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 1,477,918,000 12 $ 1,801,000
North American State Bank
PO BOX 189
BELGRADE, MN 56312
* $ 108,042,000 11 $ 1,524,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ 10,000,000 11 $ 1,396,000
Harvest Bank
PO BOX 70
KIMBALL, MN 55353
* $ 131,858,000 11 $ 1,481,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 11 $ 1,721,000
Kleinbank
301 CHESTNUT ST
CHASKA, MN 55318
* $ 1,832,482,000 11 $ 937,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 10 $ 1,700,000
Pine Country Bank
1201 1ST AVENUE NE
LITTLE FALLS, MN 56345
* $ 164,341,000 10 $ 2,374,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 10 $ 1,387,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 957,395,000 10 $ 1,216,000
Lake Central Bank
40 CHESTNUT STREET WEST
ANNANDALE, MN 55302
* $ 136,568,000 10 $ 1,257,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 10 $ 1,812,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 9 $ 1,609,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 9 $ 1,290,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 9 $ 724,000
The First National Bank of Milaca
190 2ND AVE SW
MILACA, MN 56353
* $ 187,056,000 9 $ 2,277,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 9 $ 1,166,000
Citizens Alliance Bank
55 NW 1ST ST NW PO BOX 430
CLARA CITY, MN 56222
* $ 629,347,000 9 $ 745,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 550,685,000 9 $ 995,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 8 $ 1,563,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 8 $ 1,080,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 71,682,343,000 8 $ 1,087,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 4,056,408,000 8 $ 1,254,000
Blackridgebank
4040 42ND ST SW, SUITE O
FARGO, ND 58104
* $ 378,037,000 8 $ 1,137,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 8 $ 1,077,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 7 $ 834,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 378,840,000 7 $ 990,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 1,343,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 951,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 6 $ 1,114,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 414,273,000 6 $ 962,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 6 $ 1,140,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 6 $ 952,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 6 $ 128,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 6 $ 1,019,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 6 $ 1,619,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 6 $ 858,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ 10,000,000 6 $ 1,035,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 6 $ 1,162,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 5 $ 1,065,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 5 $ 744,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,482,812,000 5 $ 713,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 5 $ 717,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 777,746,000 5 $ 558,000
Clearpointe Capital, LLC
N86W14041 BEACON STREET
MENOMONEE FALLS, WI 53051
* $ 10,000,000 5 $ 55,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 5 $ 909,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 5 $ 530,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 26,653,631,000 5 $ 1,079,000
Taylor Morrison Home Funding, Inc.
495 N KELLER RD
MAITLAND, FL 32751
* $ 10,000,000 5 $ 714,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 894,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 5 $ 121,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 5 $ 1,247,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 607,236,000 4 $ 967,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ 10,000,000 4 $ 466,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 4 $ 788,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 4 $ 415,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 4 $ 717,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ 10,000,000 4 $ 473,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 4 $ 574,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 4 $ 782,000
Building Trades Federal Credit Union
12080 73RD AVE N
MAPLE GROVE, MN 55369
* $ 118,604,000 4 $ 225,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 4 $ 177,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ 9,427,000 4 $ 470,000
Perl Mortgage, Inc.
2936 WEST BELMONT AVE
CHICAGO, IL 60618
* $ 11,000,000 3 $ 390,000
Rescue Mortgage Inc
10740 LYNDALE AVE S, SUITE 19E
BLOOMINGTON, MN 55420
* $ 1,507,000 3 $ 512,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 3 $ 541,000
Unity Bank
1180 W 4TH STREET
RUSH CITY, MN 55069
* $ 185,766,000 3 $ 215,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 166,793,000 3 $ 800,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 3 $ 513,000
Hometown Bank
1000 EAST COOK STREET
REDWOOD FALLS, MN 56283
* $ 233,465,000 3 $ 508,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 3 $ 479,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 479,751,000 3 $ 326,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 576,143,000 3 $ 522,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 3 $ 406,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 3 $ 444,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 447,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 595,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 3 $ 521,000
First National Bank
2457 BROADWAY AVENUE
SLAYTON, MN 56172
* $ 200,395,000 3 $ 445,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 81,661,915,000 3 $ 155,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ 31,000,000 3 $ 469,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 3 $ 559,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 3 $ 400,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 3 $ 450,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 3 $ 55,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 2 $ 365,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 387,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,107,751,000 2 $ 319,000
Western State Bank
755 13TH AVE E
DEVILS LAKE, ND 58301
* $ 755,957,000 2 $ 231,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 293,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 253,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 2 $ 260,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 147,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 44,281,869,000 2 $ 422,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 104,474,692,000 2 $ 792,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 2 $ 1,424,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 2 $ 353,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 2 $ 192,000
Center National Bank
301 N. RAMSEY AVE.
LITCHFIELD, MN 55355
* $ 185,729,000 2 $ 204,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 981,433,000 2 $ 380,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 362,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 2 $ 335,000
Waterstone Bank SSB
11200 WEST PLANK COURT
WAUWATOSA, WI 53226
* $ 1,777,379,000 2 $ 8,750,000
Wells Federal Bank
53 1ST ST SW
WELLS, MN 56097
* $ 251,521,000 2 $ 241,000
Home State Bank National Association
40 GRANT STREET
CRYSTAL LAKE, IL 60014
* $ 594,876,000 2 $ 734,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 283,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 246,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 317,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ 10,000,000 2 $ 560,000
First American Bank, N.A.
2424 MONETARY BLVD SUITE 107
HUDSON, WI 54016
* $ 174,517,000 2 $ 497,000
Vermillion State Bank
107 E MAIN ST
VERMILLION, MN 55085
* $ 551,763,000 2 $ 404,000
Riverwood Bank
14540 DELLWOOD DR PO BOX 2947
BAXTER, MN 56425
* $ 319,997,000 2 $ 210,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 972,551,000 2 $ 304,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,622,355,000 2 $ 83,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 248,301,000 2 $ 128,000
United Prairie Bank
10 FIRESTONE DRIVE, SUITE 300
MANKATO, MN 56001
* $ 581,061,000 2 $ 84,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 550,884,000 2 $ 366,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 2 $ 304,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 235,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 353,985,000 2 $ 302,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 260,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 2 $ 320,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 329,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 234,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 160,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 275,000
Valley Mortgage, Inc.
3315 45TH ST S, SUITE 200
FARGO, ND 58104
* $ 520,000,000 1 $ 217,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 1,722,553,000 1 $ 245,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 497,841,000 1 $ 76,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 161,483,000 1 $ 232,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ 10,000,000 1 $ 114,000
Profinium, Inc.
105 LAKE AVE. PO BOX 848
FAIRMONT, MN 56031
* $ 323,382,000 1 $ 122,000
Minnesota Bank & Trust
7701 FRANCE AVE S SUITE 110
EDINA, MN 55435
* $ 167,808,000 1 $ 272,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 275,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 419,314,000 1 $ 219,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 1,771,679,000 1 $ 84,000
American Federal Bank
215 N 5TH ST
FARGO, ND 58102
* $ 490,173,000 1 $ 795,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 294,000
Heartland Credit Union
5500 S ROBERT TRAIL
INVER GROVE HEIGHTS, MN 55077
* $ 99,455,000 1 $ 60,000
North American Banking Company
2230 ALBERT STREET
ROSEVILLE, MN 55113
* $ 370,515,000 1 $ 60,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 149,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,244,310,000 1 $ 187,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ 1,377,478,000 1 $ 92,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 541,961,000 1 $ 3,800,000
Minnesota Valley Federal Credit Union
1640 ADAMS ST
MANKATO, MN 56001
* $ 107,388,000 1 $ 141,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 727,891,000 1 $ 8,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 222,000
Bridgewater Bank
4450 EXCELSIOR BOULEVARD
ST. LOUIS PARK, MN 55416
* $ 699,915,000 1 $ 92,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,663,901,000 1 $ 101,000
Firefighters Credit Union
525 5TH AVE S
ONALASKA, WI 54650
* $ 65,972,000 1 $ 1,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 996,318,000 1 $ 109,000
Citizens Bancshares of Woodville, Inc.
375 STAGELINE RD PO BOX 247
HUDSON, WI 54016
* $ 149,740,000 1 $ 124,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 63,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,599,798,000 1 $ 90,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,291,449,000 1 $ 225,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 143,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ 153,492,000 1 $ 130,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 187,860,000 1 $ 97,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 727,505,000 1 $ 235,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 328,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,951,538,000 1 $ 374,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 183,453,000 1 $ 244,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,036,325,000 1 $ 8,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ 357,983,000 1 $ 157,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 1,543,002,000 1 $ 137,000
Peoples National Bank
5175 N ACADEMY BLVD
COLORADO SPRINGS, CO 80918
* $ 317,604,000 1 $ 50,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ 325,064,000 1 $ 652,000
Hiawatha National Bank
N1555 770TH ST
HAGER CITY, WI 54014
* $ 143,608,000 1 $ 1,240,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 159,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 20,938,997,000 1 $ 1,055,000
Arvest Bank

TULSA, OK 74103
* $ 14,944,176,000 1 $ 179,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 1 $ 237,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 17,377,985,000 1 $ 76,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 40,000
Lake Area Bank
12790 FIRST AVE N - PO BOX 743
LINDSTROM, MN 55045
* $ 267,518,000 1 $ 231,000
Kensington Bank
11 NORTH CENTRAL AVE
KENSINGTON, MN 56343
* $ 146,665,000 1 $ 425,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 889,163,000 1 $ 7,401,000
Star Bank
100 STATE HWY 55 EAST
MAPLE LAKE, MN 55358
* $ 230,917,000 1 $ 46,000
First Minnesota Bank
4625 COUNTY ROAD 101
MINNETONKA, MN 55345
* $ 403,671,000 1 $ 316,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ 40,000,000 1 $ 135,000
Colliers Mortgage LLC
90 SOUTH SEVENTH ST. SUITE 4300
MINNEAPOLIS, MN 55402
* $ 17,648,000 1 $ 2,530,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 161,000
Citizens State Bank of Waverly
609 PACIFIC AVENUE
WAVERLY, MN 55390
* $ 72,608,000 1 $ 130,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 243,010,000 1 $ 198,000
Community Bank Mankato
300 ST ANDREWS DR
VERNON CENTER, MN 56090
* $ 225,951,000 1 $ 80,000
Central Bank
2270 FRONTAGE RD WEST
STILLWATER, MN 55082
* $ 1,178,605,000 1 $ 380,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ 220,404,000 1 $ 335,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 381,573,000 1 $ 161,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 346,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ 18,039,000 1 $ 223,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,508,574,000 1 $ 112,000
First National Bank of Cokato
P.O. BOX 490
COKATO, MN 55321
* $ 47,678,000 1 $ 84,000
Northwoods Bank of Minnesota
PO BOX 112
PARK RAPIDS, MN 56470
* $ 105,161,000 1 $ 92,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 113,000
Bank Mutual
4949 W BROWN DEER RD
MILWAUKEE, WI 53224
* $ 2,327,457,000 1 $ 3,660,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ 2,040,425,000 1 $ 154,000

The tables below break down 2015 mortgage applications in St. Cloud, MN metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for St. Cloud, MN in 2015

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 4,037 $668,332,000 $165,000 $7,401,000 $61,000 $1,924,000
Refinancing 3,689 $589,929,000 $159,000 $6,970,000 $76,000 $1,443,000
Home Improvement 364 $31,227,000 $85,000 $4,600,000 $79,000 $1,440,000

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 6,406 $962,079,000 $150,000 $1,055,000 $78,000 $1,924,000
Not applicable 1,045 $238,461,000 $228,000 $7,401,000 $8,000 $392,000
Not Provided 406 $56,296,000 $138,000 $640,000 $76,000 $1,056,000
Hispanic 95 $13,056,000 $137,000 $403,000 $62,000 $290,000
Asian 72 $10,849,000 $150,000 $438,000 $74,000 $590,000
Black or African American 51 $6,568,000 $128,000 $300,000 $59,000 $263,000
American Indian or Alaskan Native 12 $1,800,000 $150,000 $234,000 $48,000 $93,000
Native Hawaiian or Other Pacific Islander 3 $379,000 $126,000 $163,000 $40,000 $48,000

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) 5,558 $911,439,000 $163,000 $7,401,000 $82,000 $1,924,000
FHA-insured (Federal Housing Administration) 1,413 $201,629,000 $142,000 $276,000 $39,000 $364,000
VA-guaranteed (Veterans Administration) 580 $100,838,000 $173,000 $415,000 $49,000 $211,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 539 $75,582,000 $140,000 $440,000 $31,000 $104,000

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 5,118 $824,462,000 $161,000 $7,401,000 $78,000 $1,924,000
Loan Purchased By The Institution 1,136 $172,676,000 $152,000 $653,000 $21,000 $428,000
Application Denied By Financial Institution 903 $126,646,000 $140,000 $1,000,000 $70,000 $995,000
Application Withdrawn By Applicant 551 $99,806,000 $181,000 $4,480,000 $79,000 $900,000
Application Approved But Not Accepted 211 $34,179,000 $161,000 $3,200,000 $74,000 $672,000
File Closed For Incompleteness 171 $31,719,000 $185,000 $5,590,000 $66,000 $653,000
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 179 $21,838,000 $122,000 $485,000 $68,000 $600,000
Collateral 140 $25,950,000 $185,000 $1,000,000 $111,000 $816,000
Debt-To-Income Ratio 133 $16,927,000 $127,000 $417,000 $47,000 $240,000
Credit Application Incomplete 59 $7,723,000 $130,000 $268,000 $56,000 $160,000
Other 45 $5,626,000 $125,000 $299,000 $63,000 $292,000
Unverifiable Information 24 $4,196,000 $174,000 $712,000 $157,000 $995,000
Insufficient Cash (Downpayment, Closing Cost) 12 $1,804,000 $150,000 $275,000 $58,000 $165,000
Employment History 8 $1,322,000 $165,000 $417,000 $96,000 $326,000
Mortgage Insurance Denied 1 $160,000 $160,000 $160,000 $78,000 $78,000

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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