St. Cloud, MN Metro Area Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 8,700 mortgage applications in St. Cloud, MN metro area totaling $1.6 billion, up 12% from 2018. The average application was for $179,621, and applicants reported an average income of $91,000. 65% of applications resulted in an originated loan and 10% were denied. The most active lender was US Bank, N.A., with 832 applications, followed by Liberty Bank Minnesota and Magnifi Financial Credit Union.

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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 8,700
Total Mortgage Loan Application Amount $1,562,710,000
Average Mortgage Loan Application Amount $179,621
Highest Mortgage Loan Application Amount $15,485,000
Average Applicant Income $91,000
Highest Applicant Income $2,531,000

Mortgage Company List for Lending in St. Cloud, MN for 2019

* 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
* $ 459,476,604,000 832 $ 133,580,000
Liberty Bank Minnesota
111 7TH AVE S
ST CLOUD, MN 56301
* $ 211,084,000 578 $ 119,760,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ 1,100,060,000 549 $ 89,795,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 407 $ 64,965,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 12,122,519,000 360 $ 74,860,000
St. Cloud Financial Credit Union
3030 1ST ST S
SAINT CLOUD, MN 56301
* $ 180,416,000 327 $ 44,375,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,176,291,000 298 $ 34,860,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 230 $ 47,390,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 212 $ 34,200,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 210 $ 38,440,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 206 $ 29,410,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 204 $ 41,710,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,389,689,000 123 $ 12,995,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 302,011,000 118 $ 21,970,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 106 $ 21,230,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 106 $ 19,130,000
Sentry Bank
400 4TH AVE NE
ST. JOSEPH, MN 56374
* $ 227,825,000 102 $ 19,930,000
Great River Federal CU
1532 W ST GERMAIN STREET
ST CLOUD, MN 56301
* $ 179,119,000 92 $ 6,080,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 87 $ 13,935,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 85 $ 11,115,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 713,817,000 85 $ 16,555,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 5,394,695,000 82 $ 15,670,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 78 $ 15,200,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 76 $ 13,550,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 75 $ 12,745,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 75 $ 16,205,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 72 $ 14,030,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 71 $ 14,895,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 69 $ 17,095,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 65 $ 14,125,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 63 $ 10,725,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 57 $ 3,245,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 56 $ 15,090,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 55 $ 9,575,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 54 $ 9,760,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 52 $ 10,280,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 50 $ 8,520,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 50 $ 9,980,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 49 $ 11,145,000
American Heritage National Bank
24 2ND ST S
LONG PRAIRIE, MN 56347
* $ 360,848,000 47 $ 13,735,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 46 $ 8,020,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 43 $ 7,105,000
Falcon National Bank
183 CEDAR DRIVE
FOLEY, MN 56329
* $ 472,539,000 43 $ 8,215,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 41 $ 6,345,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 40 $ 8,570,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 39 $ 6,865,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 39 $ 4,965,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 38 $ 6,800,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 37 $ 6,235,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 35 $ 5,715,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 35 $ 5,595,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 34 $ 5,240,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 34 $ 5,350,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 33 $ 5,995,000
Bonanza Valley State Bank
PO BOX 400 147 CENTRAL AVE S
BROOTEN, MN 56316
* $ 63,364,000 33 $ 2,225,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ -1,000 32 $ 4,790,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 32 $ 7,180,000
Freeport State Bank
111 MAIN ST E
FREEPORT, MN 56331
* $ 115,776,000 25 $ 3,635,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 25 $ 3,695,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,706,892,000 24 $ 3,620,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 21 $ 3,425,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ -1,000 21 $ 2,765,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 21 $ 3,525,000
First State Bank of Sauk Centre
423 MAIN ST S
SAUK CENTRE, MN 56378
* $ 111,154,000 21 $ 2,095,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 20 $ 3,450,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 19 $ 2,585,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 434,815,000 18 $ 3,240,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 18 $ 870,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 18 $ 2,280,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 17 $ 2,865,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 17 $ 3,365,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ 112,986,000 17 $ 2,685,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 87,268,647,000 16 $ 1,940,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ 121,043,000 16 $ 2,750,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 16 $ 2,950,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 15 $ 2,355,000
Lake Area Bank
12790 FIRST AVE N - PO BOX 743
LINDSTROM, MN 55045
* $ 334,839,000 15 $ 2,295,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 14 $ 3,140,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 14 $ 3,860,000
Farmers & Merchants State Bank of Pierz
80 MAIN STREET N, P.O. BOX 308
PIERZ, MN 56364
* $ 224,796,000 14 $ 2,490,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 14 $ 2,810,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,111,480,000 14 $ 1,210,000
Harvest Bank
PO BOX 70
KIMBALL, MN 55353
* $ 144,717,000 13 $ 1,605,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 13 $ 2,455,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 1,072,790,000 13 $ 1,885,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,176,480,000 12 $ 2,160,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 12 $ 2,180,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,766,499,000 12 $ 2,930,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 12 $ 15,120,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 786,287,000 12 $ 2,060,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 12 $ 2,070,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 615,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 11 $ 1,605,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 11 $ 1,845,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 5,065,189,000 11 $ 1,555,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 11 $ 1,555,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 11 $ 2,195,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ -1,000 10 $ 1,380,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 10 $ 1,900,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 10 $ 2,080,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 10 $ 1,760,000
West Bank
1601 22ND STREET
WEST DES MOINES, IA 50266
* $ 2,295,160,000 10 $ 1,980,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 10 $ 1,790,000
American National Bank of Minnesota
1920 SOUTH SIXTH STREET
BRAINERD, MN 56401
* $ 291,797,000 9 $ 1,755,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 9 $ 2,225,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 9 $ 1,935,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 8 $ 1,730,000
Lake Central Bank
40 CHESTNUT STREET WEST
ANNANDALE, MN 55302
* $ 151,667,000 8 $ 1,810,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 8 $ 1,660,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 8 $ 1,380,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 8 $ 580,000
Kensington Bank
11 NORTH CENTRAL AVE
KENSINGTON, MN 56343
* $ 282,377,000 8 $ 2,340,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 8 $ 1,130,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 7 $ 1,315,000
Perennial Bank
780 PARKER AVE W
DARWIN, MN 55325
* $ 108,121,000 7 $ 685,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 7 $ 1,265,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 1,282,907,000 7 $ 655,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 6 $ 1,130,000
Blackridgebank
4040 42ND ST SW, SUITE O
FARGO, ND 58104
* $ 483,106,000 6 $ 1,280,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 6 $ 1,140,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 6 $ 1,150,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 6 $ 860,000
Clearpointe Capital, LLC
N86W14041 BEACON STREET
MENOMONEE FALLS, WI 53051
* $ -1,000 6 $ 100,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 6 $ 1,300,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 6 $ 1,040,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 656,158,000 6 $ 1,380,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 6 $ 1,070,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,210,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 2,231,157,000 6 $ 1,120,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 6 $ 1,080,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 6 $ 1,670,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 540,407,000 6 $ 1,220,000
The First National Bank of Milaca
190 2ND AVE SW
MILACA, MN 56353
* $ 216,186,000 5 $ 505,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 255,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 5 $ 1,005,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ -1,000 5 $ 1,025,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 5 $ 1,085,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 33,604,332,000 5 $ 625,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 5 $ 1,415,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 5 $ 725,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 5 $ 1,235,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 5 $ 975,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 5 $ 685,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 5 $ 935,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 407,529,000 5 $ 2,265,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 4 $ 840,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 1,952,920,000 4 $ 8,540,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 4 $ 1,000,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 4 $ 640,000
Star Bank
100 STATE HWY 55 EAST
MAPLE LAKE, MN 55358
* $ 290,404,000 4 $ 980,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 4 $ 680,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 4 $ 660,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 4 $ 710,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ 1,987,488,000 4 $ 910,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 4 $ 980,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 240,252,000 4 $ 200,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 4 $ 600,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,483,865,000 4 $ 600,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 4 $ 270,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 635,000,000 4 $ 830,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 4 $ 1,050,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 500,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 4 $ 1,130,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 664,284,000 3 $ 995,000
Center National Bank
301 N. RAMSEY AVE.
LITCHFIELD, MN 55355
* $ 197,133,000 3 $ 905,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 3 $ 445,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 578,076,000 3 $ 365,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,983,953,000 3 $ 985,000
Hometown Bank
1600 MONROE DRIVE
CARVER, MN 55315
* $ 318,656,000 3 $ 1,085,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 10,105,549,000 3 $ 845,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 738,388,000 3 $ 865,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 3 $ 535,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,647,162,000 3 $ 985,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 535,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ 352,844,000 3 $ 525,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 3 $ 295,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 3 $ 305,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 3 $ 635,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 755,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,390,524,000 3 $ 455,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 505,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 985,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 600,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,679,144,000 2 $ 60,000
Riverwood Bank
14540 DELLWOOD DR PO BOX 2947
BAXTER, MN 56425
* $ 418,278,000 2 $ 460,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 2 $ 510,000
Athas Capital Group, Inc.
27001 AGOURA ROAD, STE. 200
CALABASAS, CA 91301
* $ -1,000 2 $ 110,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 250,000
Sharepoint Credit Union
5300 HYLAND GREENS DR
BLOOMINGTON, MN 55437
* $ 234,857,000 2 $ 150,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 3,284,241,000 2 $ 410,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,269,890,000 2 $ 90,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 1,761,153,000 2 $ 210,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 2 $ 800,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 2 $ 360,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 2 $ 490,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 310,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 829,051,000 2 $ 440,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 2 $ 230,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ -1,000 2 $ 320,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 580,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 817,533,000 2 $ 410,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 2 $ 840,000
Minnstar Bank National Association
P.O. BOX 270
LAKE CRYSTAL, MN 56055
* $ 143,065,000 2 $ 1,440,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 2 $ 240,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 2 $ 370,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ 732,009,000 2 $ 360,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 620,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 1,071,979,000 2 $ 340,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 380,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 778,209,000 2 $ 440,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 59,366,170,000 2 $ 810,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ -1,000 2 $ 150,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 2 $ 540,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 2 $ 510,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 310,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 440,000
Midwest Bank
613 HWY 10 E PO BOX 703
DETROIT LAKES, MN 56501
* $ 466,891,000 2 $ 590,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 350,058,000 2 $ 100,000
Farmers-Merchants Bank of Illinois
P.O. BOX 217
JOY, IL 61260
* $ 173,321,000 2 $ 480,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 2 $ 270,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 430,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 370,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 280,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 2 $ 330,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ 463,857,000 2 $ 180,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 2,939,331,000 2 $ 310,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 2 $ 410,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 145,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 275,000
Bellwether Enterprise Real Estate Capital, LLC
1360 E. 9TH STREET SUITE 300
CLEVELAND, OH 44114
* $ -1,000 1 $ 6,655,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 820,261,000 1 $ 275,000
Village Bank
3350 BRIDGE STREET NW
ST FRANCIS, MN 55070
* $ 295,803,000 1 $ 145,000
Roundbank
200 SECOND STREET NE, PO BOX 667
WASECA, MN 56093
* $ 308,104,000 1 $ 255,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 1 $ 195,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 215,000
Citizens Alliance Bank
55 NW 1ST ST NW PO BOX 430
CLARA CITY, MN 56222
* $ 790,105,000 1 $ 265,000
Western State Bank
755 13TH AVE E
DEVILS LAKE, ND 58301
* $ 1,097,329,000 1 $ 205,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,254,711,000 1 $ 205,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 175,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 50,703,918,000 1 $ 275,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 105,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 185,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 275,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 115,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 297,303,000 1 $ 185,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 245,000
Bank Midwest
1525 18TH STREET SUITE 100
SPIRIT LAKE, IA 51360
* $ 927,044,000 1 $ 155,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 105,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 105,000
Berkadia Commercial Mortgage
323 NORRISTOWN ROAD SUITE 300
AMBLER, PA 19002
* $ -1,000 1 $ 15,485,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 135,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 255,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 195,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 417,415,000 1 $ 155,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 1 $ 95,000
Kensington Bank
11 CENTRAL AVE N
KENSINGTON, MN 56343
* $ 274,289,000 1 $ 135,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 295,000
Pioneer Bank
320 STADIUM ROAD SUITE 100
MANKATO, MN 56001
* $ 454,144,000 1 $ 95,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 5,756,303,000 1 $ 115,000
Citizens Bancshares of Woodville, Inc.
375 STAGELINE RD PO BOX 247
HUDSON, WI 54016
* $ 209,945,000 1 $ 65,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 305,000
St Paul Federal Credit Union
1330 CONWAY ST, STE 200
SAINT PAUL, MN 55106
* $ 179,463,000 1 $ 165,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 787,746,000 1 $ 255,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 711,235,000 1 $ 365,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 85,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 125,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 1 $ 365,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 496,495,000 1 $ 15,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 1 $ 165,000
Hunt Mortgage Capital, LLC
230 PARK AVE FL 19
NEW YORK, NY 10169
* $ -1,000 1 $ 1,445,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 275,000
Bank CMG
8020 EXCELSIOR DR STE 100
MADISON, WI 53717
* $ 179,378,000 1 $ 105,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 12,568,651,000 1 $ 295,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
North American Banking Company
2230 ALBERT STREET
ROSEVILLE, MN 55113
* $ 582,603,000 1 $ 85,000
Cornerstone Bank
2280 45TH STREET SOUTH
FARGO, ND 58104
* $ 940,029,000 1 $ 2,685,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 16,110,188,000 1 $ 165,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 75,000
Charter Bank
1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701
* $ 913,735,000 1 $ 575,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 16,518,217,000 1 $ 195,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 135,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 285,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 1 $ 185,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 1 $ 245,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 85,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 1 $ 265,000
Bridgewater Bank
4450 EXCELSIOR BOULEVARD
ST. LOUIS PARK, MN 55416
* $ 1,970,086,000 1 $ 905,000
Jll Real Estate Capital, LLC
2177 YOUNGMAN AVE W SUITE 300
ST. PAUL, MN 55116
* $ -1,000 1 $ 2,165,000
Valley Mortgage, Inc.
3315 45TH ST S, SUITE 200
FARGO, ND 58104
* $ -1,000 1 $ 225,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ 871,942,000 1 $ 105,000
Unity Bank
207 W LINCOLN ST
AUGUSTA, WI 54722
* $ 179,910,000 1 $ 85,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 275,000
Cornerstone State Bank
401 4TH ST N W
MONTGOMERY, MN 56069
* $ 172,075,000 1 $ 65,000
Neighborhood National Bank
45 NORTH UNION
MORA, MN 55051
* $ 221,476,000 1 $ 175,000
Berkeley Point Capital LLC

BOSTON, MA 02110
* $ -1,000 1 $ 3,805,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 145,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 1 $ 155,000
Bank Forward
390 WHEAT STREET, PO BOX 100
FARGO, ND 58104
* $ 611,574,000 1 $ 285,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,029,298,000 1 $ 405,000
Landmark Credit Union
5445 S. WESTRIDGE DR.
BROOKFIELD, WI 53005
* $ 3,965,320,000 1 $ 45,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 2,274,624,000 1 $ 115,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ 1,671,036,000 1 $ 255,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 12,179,508,000 1 $ 605,000
Community Development Bank, FSB
516 MAIN ST
OGEMA, MN 56569
* $ 169,521,000 1 $ 125,000
Farmers & Merchants Savings Bank
PO BOX 588 101 E MAIN ST
MANCHESTER, IA 52057
* $ 598,700,000 1 $ 245,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 3,855,606,000 1 $ 355,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 25,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,953,334,000 1 $ 335,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 325,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 1,606,623,000 1 $ 165,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 169,812,442,000 1 $ 845,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 395,000

The tables below break down 2019 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 2019

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 4,509 $871,075,000 $193,000 $15,485,000 $84,000 $1,847,000
Refinancing 1,870 $358,260,000 $191,000 $4,005,000 $105,000 $2,104,000
Cash-out Refinancing 1,464 $255,590,000 $174,000 $3,855,000 $90,000 $2,531,000
Other Purpose 466 $41,580,000 $89,000 $6,655,000 $111,000 $908,000
Home Improvement 301 $23,275,000 $77,000 $1,605,000 $99,000 $769,000
Not Applicable 90 $12,930,000 $143,000 $685,000 $84,000 $162,000

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 6,826 $1,171,130,000 $171,000 $1,325,000 $91,000 $2,531,000
Not applicable 895 $233,595,000 $261,000 $15,485,000 $83,000 $753,000
Not Provided 546 $89,060,000 $163,000 $1,075,000 $113,000 $2,104,000
Black or African American 156 $26,310,000 $168,000 $915,000 $72,000 $869,000
Hispanic 152 $22,350,000 $147,000 $725,000 $80,000 $911,000
Asian 91 $14,905,000 $163,000 $435,000 $92,000 $533,000
American Indian or Alaskan Native 23 $3,635,000 $158,000 $335,000 $58,000 $133,000
Native Hawaiian or Other Pacific Islander 4 $570,000 $142,000 $225,000 $78,000 $111,000

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) 6,374 $1,139,440,000 $178,000 $15,485,000 $99,000 $2,531,000
FHA-insured (Federal Housing Administration) 1,314 $221,770,000 $168,000 $335,000 $61,000 $255,000
VA-guaranteed (Veterans Administration) 755 $157,855,000 $209,000 $1,045,000 $70,000 $400,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 257 $43,645,000 $169,000 $345,000 $55,000 $94,000

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 5,690 $1,064,450,000 $187,000 $15,485,000 $94,000 $1,689,000
Loan Purchased By The Institution 1,013 $183,735,000 $181,000 $685,000 $86,000 $891,000
Application Denied By Financial Institution 833 $112,565,000 $135,000 $725,000 $79,000 $2,531,000
Application Withdrawn By Applicant 803 $140,605,000 $175,000 $3,805,000 $92,000 $1,847,000
File Closed For Incompleteness 218 $35,710,000 $163,000 $1,045,000 $91,000 $2,104,000
Application Approved But Not Accepted 139 $25,055,000 $180,000 $905,000 $84,000 $510,000
Preapproval Denied by Financial Institution 3 $455,000 $151,000 $185,000 $46,000 $65,000
Preapproval Approved but not Accepted 1 $135,000 $135,000 $135,000 $30,000 $30,000

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 7,294 $1,342,220,000 $184,000 $15,485,000 $92,000 $2,104,000
Debt-To-Income Ratio 793 $140,165,000 $176,000 $4,485,000 $93,000 $1,637,000
Credit History 235 $27,145,000 $115,000 $465,000 $73,000 $769,000
Collateral 155 $20,755,000 $133,000 $525,000 $98,000 $612,000
Other 92 $12,760,000 $138,000 $445,000 $116,000 $2,531,000
Credit Application Incomplete 76 $11,960,000 $157,000 $445,000 $91,000 $360,000
Unverifiable Information 27 $3,205,000 $118,000 $285,000 $84,000 $225,000
Employment History 19 $2,845,000 $149,000 $525,000 $60,000 $150,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,655,000 $183,000 $245,000 $83,000 $127,000
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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