St. Cloud, MN Metro Area Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 7,793 mortgage applications in St. Cloud, MN metro area totaling $1.3 billion, down 1% from 2017. The average application was for $165,841, and applicants reported an average income of $85,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was US Bank, N.A., with 829 applications, followed by Magnifi Financial Credit Union and Wells Fargo Bank NA.

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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 7,793
Total Mortgage Loan Application Amount $1,292,405,000
Average Mortgage Loan Application Amount $165,841
Highest Mortgage Loan Application Amount $22,305,000
Average Applicant Income $85,000
Highest Applicant Income $2,375,000

Mortgage Company List for Lending in St. Cloud, MN for 2018

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 829 $ 124,105,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ 1,027,921,000 495 $ 94,525,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 484 $ 76,910,000
Liberty Bank Minnesota
111 7TH AVE S
ST CLOUD, MN 56301
* $ 210,040,000 443 $ 83,735,000
St. Cloud Financial Credit Union
3030 1ST ST S
SAINT CLOUD, MN 56301
* $ 167,457,000 298 $ 40,410,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 11,915,259,000 295 $ 47,185,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 216 $ 40,420,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 195 $ 28,945,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,063,591,000 181 $ 20,225,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 175 $ 30,275,000
Great River Federal CU
1532 W ST GERMAIN STREET
ST CLOUD, MN 56301
* $ 174,294,000 169 $ 12,125,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,308,536,000 123 $ 10,925,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 115 $ 20,235,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 110 $ 15,290,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 107 $ 17,345,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 106 $ 15,380,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 249,182,000 97 $ 15,315,000
Sentry Bank
400 4TH AVE NE
ST. JOSEPH, MN 56374
* $ 223,031,000 92 $ 14,190,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 74 $ 12,600,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 74 $ 13,270,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 73 $ 13,395,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 4,763,242,000 70 $ 13,600,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ -1,000 68 $ 9,880,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 67 $ 9,745,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 64 $ 8,910,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 62 $ 8,930,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 61 $ 8,205,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 58 $ 9,420,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 57 $ 8,445,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 504,544,000 56 $ 11,240,000
American Heritage National Bank
24 2ND ST S
LONG PRAIRIE, MN 56347
* $ 360,841,000 56 $ 13,590,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 53 $ 8,275,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 51 $ 9,775,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 51 $ 12,455,000
Falcon National Bank
183 CEDAR DRIVE
FOLEY, MN 56329
* $ 265,583,000 50 $ 10,790,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ -1,000 49 $ 5,515,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 48 $ 8,020,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 47 $ 9,745,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 46 $ 8,990,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 44 $ 6,580,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 43 $ 7,895,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 43 $ 7,405,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 38 $ 4,150,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,020,511,000 36 $ 5,340,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 34 $ 6,760,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 33 $ 5,485,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 32 $ 6,250,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 31 $ 4,785,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 31 $ 4,925,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 31 $ 5,385,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ 115,187,000 30 $ 4,460,000
Bonanza Valley State Bank
PO BOX 400 147 CENTRAL AVE S
BROOTEN, MN 56316
* $ 65,625,000 29 $ 2,825,000
American National Bank of Minnesota
1920 SOUTH SIXTH STREET
BRAINERD, MN 56401
* $ 264,582,000 29 $ 3,065,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,730,669,000 29 $ 3,895,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 29 $ 4,935,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 27 $ 5,605,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 27 $ 4,365,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 27 $ 4,405,000
Minnesota National Bank
131 12TH ST S
SAUK CENTRE, MN 56378
* $ 230,419,000 25 $ 125,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 25 $ 4,565,000
Lake Area Bank
12790 FIRST AVE N - PO BOX 743
LINDSTROM, MN 55045
* $ 332,392,000 22 $ 2,340,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 819,888,000 22 $ 4,380,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 22 $ 2,830,000
Freeport State Bank
111 MAIN ST E
FREEPORT, MN 56331
* $ 112,405,000 21 $ 2,345,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 89,765,667,000 21 $ 2,595,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,104,663,000 21 $ 1,865,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 549,676,000 21 $ 3,665,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ 107,948,000 20 $ 3,690,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 815,000
First State Bank of Sauk Centre
423 MAIN ST S
SAUK CENTRE, MN 56378
* $ 102,459,000 19 $ 2,035,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 19 $ 2,835,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 19 $ 995,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 18 $ 2,300,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 18 $ 3,940,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 18 $ 1,200,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 18 $ 3,530,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 18 $ 3,580,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 17 $ 1,745,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 17 $ 2,105,000
Perl Mortgage, Inc.
2936 WEST BELMONT AVE
CHICAGO, IL 60618
* $ -1,000 16 $ 2,200,000
Harvest Bank
PO BOX 70
KIMBALL, MN 55353
* $ 140,715,000 16 $ 1,200,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 979,607,000 15 $ 1,465,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 14 $ 2,510,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 14 $ 3,190,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 14 $ 1,900,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 14 $ 1,770,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 2,140,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 14 $ 2,570,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 13 $ 2,385,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 13 $ 3,025,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,656,476,000 13 $ 2,785,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 13 $ 2,265,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 13 $ 2,235,000
Farmers & Merchants State Bank of Pierz
80 MAIN STREET N, P.O. BOX 308
PIERZ, MN 56364
* $ 223,787,000 12 $ 1,070,000
State Bank of Richmond
22 CENTRAL AVE S, PO BOX 519
RICHMOND, MN 56368
* $ 92,567,000 12 $ 970,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 12 $ 1,750,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 11 $ 1,715,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 650,256,000 11 $ 1,905,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,134,927,000 11 $ 12,345,000
Kensington Bank
11 NORTH CENTRAL AVE
KENSINGTON, MN 56343
* $ 168,101,000 11 $ 7,835,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 11 $ 1,905,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 11 $ 1,765,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ -1,000 11 $ 2,095,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 10 $ 1,820,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 10 $ 1,430,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 10 $ 1,530,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 9 $ 1,885,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 9 $ 1,385,000
Trustone Home Mortgage, LLC
14601 27TH AVE N SUITE 103
PLYMOUTH, MN 55447
* $ -1,000 9 $ 955,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 9 $ 1,685,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 9 $ 1,125,000
Lake Central Bank
40 CHESTNUT STREET WEST
ANNANDALE, MN 55302
* $ 151,069,000 8 $ 2,100,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ 1,725,679,000 8 $ 1,340,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 8 $ 2,140,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 7 $ 485,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 7 $ 1,205,000
Kleinbank
301 CHESTNUT ST
CHASKA, MN 55318
* $ 2,006,441,000 7 $ 1,415,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 1,190,459,000 7 $ 695,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 7 $ 1,425,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 7 $ 365,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 6 $ 1,060,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 4,542,484,000 6 $ 1,100,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 6 $ 1,020,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 2,064,412,000 6 $ 920,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 6 $ 930,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 6 $ 1,220,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 637,492,000 6 $ 1,080,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 6 $ 520,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 825,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 5 $ 615,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 5 $ 505,000
The First National Bank of Milaca
190 2ND AVE SW
MILACA, MN 56353
* $ 208,717,000 5 $ 685,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 5 $ 545,000
Pine Country Bank
1201 1ST AVENUE NE
LITTLE FALLS, MN 56345
* $ 174,337,000 5 $ 315,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 550,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 321,974,000 4 $ 500,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 192,687,000 4 $ 530,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 570,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 2,764,317,000 4 $ 750,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 4 $ 1,010,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 4 $ 730,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 30,422,051,000 4 $ 910,000
Clearpointe Capital, LLC
N86W14041 BEACON STREET
MENOMONEE FALLS, WI 53051
* $ -1,000 4 $ 100,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 4 $ 1,150,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,948,023,000 4 $ 500,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 760,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 4 $ 540,000
Center National Bank
301 N. RAMSEY AVE.
LITCHFIELD, MN 55355
* $ 198,651,000 4 $ 850,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,386,493,000 4 $ 670,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 412,119,000 4 $ 660,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 3 $ 285,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ 692,134,000 3 $ 235,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 465,000
Charter Bank
1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701
* $ 863,355,000 3 $ 395,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 3 $ 485,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 315,000
Taylor Morrison Home Funding, Inc.
495 N KELLER RD
MAITLAND, FL 32751
* $ -1,000 3 $ 545,000
First Minnesota Bank
4625 COUNTY ROAD 101
MINNETONKA, MN 55345
* $ 381,065,000 3 $ 595,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,720,468,000 3 $ 2,295,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 3 $ 335,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 743,446,000 3 $ 705,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 655,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 417,436,000 3 $ 595,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 3 $ 485,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 3 $ 825,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 3 $ 595,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 2 $ 260,000
Citizens Independent Bank
5000 W 36TH ST
ST LOUIS PARK, MN 55416
* $ 286,612,000 2 $ 330,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 2 $ 210,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 17,422,977,000 2 $ 430,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 110,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 722,208,000 2 $ 500,000
Arvest Bank

TULSA, OK 74103
* $ 16,758,528,000 2 $ 530,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ 414,043,000 2 $ 320,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 2 $ 3,140,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 540,000
Agcountry Farm Credit Services, Flca
1900 44TH ST S - PO BOX 6020
FARGO, ND 58108
* $ -1,000 2 $ 600,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 2 $ 580,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 2 $ 530,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 2 $ 280,000
Midwest Bank
613 HWY 10 E PO BOX 703
DETROIT LAKES, MN 56501
* $ 407,700,000 2 $ 430,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 2 $ 260,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 580,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ 334,251,000 2 $ 320,000
Sharepoint Credit Union
5300 HYLAND GREENS DR
BLOOMINGTON, MN 55437
* $ 200,149,000 2 $ 370,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 370,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,211,061,000 2 $ 210,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,364,710,000 2 $ 130,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 20,351,074,000 2 $ 22,620,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 2 $ 90,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 240,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 2 $ 280,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 220,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,086,583,000 2 $ 40,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 320,000
Hometown Bank
1000 EAST COOK STREET
REDWOOD FALLS, MN 56283
* $ 293,609,000 2 $ 640,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 155,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 115,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 175,000
Minnesota Valley Federal Credit Union
1640 ADAMS ST
MANKATO, MN 56001
* $ 155,841,000 1 $ 175,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 255,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 1 $ 145,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 1 $ 105,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 480,514,000 1 $ 395,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 65,127,000,000 1 $ 255,000
Farmers & Merchants Savings Bank
PO BOX 588 101 E MAIN ST
MANCHESTER, IA 52057
* $ 538,820,000 1 $ 245,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 1 $ 185,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ 1,136,234,000 1 $ 75,000
Platinum Bank
7667 10TH ST N
OAKDALE, MN 55128
* $ 210,859,000 1 $ 545,000
Manufacturers Bank & Trust Co
245 EAST J ST, PO BOX 450
FOREST CITY, IA 50436
* $ 335,251,000 1 $ 885,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 85,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 115,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 11,803,006,000 1 $ 245,000
Blackridgebank
4040 42ND ST SW, SUITE O
FARGO, ND 58104
* $ 446,870,000 1 $ 105,000
Bank Forward
390 WHEAT STREET, PO BOX 100
FARGO, ND 58104
* $ 555,878,000 1 $ 265,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 115,000
Flagship Bank Minnesota
1415 WAYZATA BLVD E
WAYZATA, MN 55391
* $ 204,687,000 1 $ 105,000
Building Trades Federal Credit Union
12080 73RD AVE N
MAPLE GROVE, MN 55369
* $ 137,681,000 1 $ 65,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 175,000
Starion Bank
109 1ST STREET NW
MANDAN, ND 58554
* $ 1,262,449,000 1 $ 215,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 413,653,000 1 $ 95,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 165,000
Citizens Alliance Bank
55 NW 1ST ST NW PO BOX 430
CLARA CITY, MN 56222
* $ 758,942,000 1 $ 95,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 95,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 145,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 30,280,467,000 1 $ 125,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 499,066,000 1 $ 35,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 15,286,549,000 1 $ 195,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 165,000
Eaglebank
11931 TECH RD
SILVER SPRING, MD 20904
* $ 7,464,237,000 1 $ 295,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 255,000
Smw Financial Credit Union
700 APOLLO DRIVE
LINO LAKES, MN 55014
* $ 79,526,000 1 $ 25,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 1,078,597,000 1 $ 185,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 351,860,000 1 $ 155,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 940,832,000 1 $ 105,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,625,986,000 1 $ 185,000
Co-Op Credit Union
100 E MAIN ST
BLACK RIVER FALLS, WI 54615
* $ 320,913,000 1 $ 175,000
Star Bank
100 STATE HWY 55 EAST
MAPLE LAKE, MN 55358
* $ 269,056,000 1 $ 65,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 472,374,000 1 $ 15,000
The First National Bank of Elk River
812 MAIN ST.
ELK RIVER, MN 55330
* $ 276,197,000 1 $ 135,000
Community Resource Bank
1605 HERITAGE DRIVE
NORTHFIELD, MN 55057
* $ 294,584,000 1 $ 255,000
Unity Bank
1180 W 4TH STREET
RUSH CITY, MN 55069
* $ 216,664,000 1 $ 105,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 382,576,000 1 $ 205,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 25,000
Highland Bank
5270 WEST 84TH STREET, SUITE 120
BLOOMINGTON, MN 55437
* $ 491,031,000 1 $ 95,000
Central Bank and Trust
285 MAIN STREET
LANDER, WY 82520
* $ 151,544,000 1 $ 175,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,350,457,000 1 $ 105,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 1 $ 225,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 1,686,532,000 1 $ 235,000
North American Banking Company
2230 ALBERT STREET
ROSEVILLE, MN 55113
* $ 505,513,000 1 $ 205,000
Bridgewater Bank
4450 EXCELSIOR BOULEVARD
ST. LOUIS PARK, MN 55416
* $ 1,611,486,000 1 $ 115,000
Riverwood Bank
14540 DELLWOOD DR PO BOX 2947
BAXTER, MN 56425
* $ 388,850,000 1 $ 295,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 619,454,000 1 $ 985,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 135,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 135,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 215,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 175,000
Hiawatha National Bank
N1555 770TH ST
HAGER CITY, WI 54014
* $ 196,691,000 1 $ 195,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 1 $ 75,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 175,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 195,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 1 $ 25,000
Roundbank
200 SECOND STREET NE, PO BOX 667
WASECA, MN 56093
* $ 304,365,000 1 $ 265,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 942,777,000 1 $ 285,000
American Nationwide Mortgage Company, Inc.
3820 NORTHDALE BLVD STE 111A
TAMPA, FL 33624
* $ -1,000 1 $ 165,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 145,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 2,278,189,000 1 $ 165,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 295,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 53,495,452,000 1 $ 285,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 722,455,000 1 $ 645,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 185,000
Northmarq Capital Finance, L.L.C.

WASHINGTON, DC 20005
* $ -1,000 1 $ 13,805,000
Kearny Bank
120 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ 4,824,309,000 1 $ 95,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 9,805,580,000 1 $ 125,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 235,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 155,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 215,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,384,000 1 $ 235,000
St Paul Federal Credit Union
1330 CONWAY ST, STE 200
SAINT PAUL, MN 55106
* $ 164,513,000 1 $ 75,000
BNC National Bank

BISMARCK, ND 58501
* $ 945,013,000 1 $ 105,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 165,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 175,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 335,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 95,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 375,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 5,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 8,908,994,000 1 $ 205,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 165,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ 1,249,881,000 1 $ 235,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 115,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 185,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 526,546,000 1 $ 85,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 165,000

The tables below break down 2018 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 2018

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 4,635 $849,565,000 $183,000 $22,305,000 $81,000 $947,000
Refinancing 1,190 $195,150,000 $163,000 $6,305,000 $99,000 $2,375,000
Cash-out Refinancing 1,084 $179,270,000 $165,000 $10,235,000 $77,000 $629,000
Other Purpose 451 $29,845,000 $66,000 $505,000 $107,000 $2,052,000
Home Improvement 317 $25,125,000 $79,000 $6,055,000 $97,000 $563,000
Not Applicable 116 $13,450,000 $115,000 $425,000 $61,000 $139,000

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 6,004 $925,170,000 $154,000 $3,905,000 $84,000 $2,375,000
Not applicable 963 $248,425,000 $257,000 $22,305,000 $67,000 $184,000
Not Provided 439 $63,935,000 $145,000 $605,000 $107,000 $2,052,000
Hispanic 148 $20,120,000 $135,000 $575,000 $71,000 $790,000
Black or African American 110 $15,160,000 $137,000 $425,000 $81,000 $539,000
Asian 95 $14,695,000 $154,000 $435,000 $99,000 $584,000
American Indian or Alaskan Native 22 $3,110,000 $141,000 $365,000 $58,000 $170,000
Native Hawaiian or Other Pacific Islander 7 $1,055,000 $150,000 $285,000 $51,000 $91,000

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) 5,803 $958,245,000 $165,000 $22,305,000 $92,000 $2,375,000
FHA-insured (Federal Housing Administration) 1,116 $170,630,000 $152,000 $405,000 $57,000 $228,000
VA-guaranteed (Veterans Administration) 563 $113,725,000 $201,000 $475,000 $73,000 $241,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 311 $49,805,000 $160,000 $1,245,000 $55,000 $93,000

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 4,888 $855,760,000 $175,000 $22,305,000 $88,000 $2,052,000
Loan Purchased By The Institution 1,063 $175,325,000 $164,000 $495,000 $82,000 $648,000
Application Denied By Financial Institution 832 $105,970,000 $127,000 $1,245,000 $70,000 $698,000
Application Withdrawn By Applicant 702 $108,120,000 $154,000 $1,205,000 $79,000 $450,000
Application Approved But Not Accepted 176 $27,500,000 $156,000 $455,000 $93,000 $1,857,000
File Closed For Incompleteness 129 $18,885,000 $146,000 $1,755,000 $107,000 $2,375,000
Preapproval Approved but not Accepted 2 $710,000 $355,000 $425,000 $137,000 $177,000
Preapproval Denied by Financial Institution 1 $135,000 $135,000 $135,000 $56,000 $56,000

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 6,502 $1,108,370,000 $170,000 $22,305,000 $86,000 $2,375,000
Debt-To-Income Ratio 688 $106,690,000 $155,000 $3,125,000 $89,000 $821,000
Credit History 223 $25,505,000 $114,000 $995,000 $72,000 $248,000
Collateral 145 $18,775,000 $129,000 $665,000 $98,000 $698,000
Other 92 $13,600,000 $147,000 $1,245,000 $72,000 $325,000
Credit Application Incomplete 81 $11,545,000 $142,000 $345,000 $71,000 $321,000
Unverifiable Information 31 $3,675,000 $118,000 $255,000 $76,000 $198,000
Insufficient Cash (Downpayment, Closing Cost) 18 $2,410,000 $133,000 $225,000 $52,000 $122,000
Employment History 12 $1,700,000 $141,000 $265,000 $51,000 $104,000
Mortgage Insurance Denied 1 $135,000 $135,000 $135,000 $56,000 $56,000

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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