St. Cloud, MN Metro Area Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 7,126 mortgage applications in St. Cloud, MN metro area totaling $1.5 billion, down 44% from 2021. The average application was for $208,641, and applicants reported an average income of $97,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was US Bank, N.A., with 585 applications, followed by Magnifi Financial Credit Union and Liberty Bank Minnesota.

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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 7,126
Total Mortgage Loan Application Amount $1,486,780,000
Average Mortgage Loan Application Amount $208,641
Highest Mortgage Loan Application Amount $13,665,000
Average Applicant Income $97,000
Highest Applicant Income $1,976,000

Mortgage Company List for Lending in St. Cloud, MN for 2022

* 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
* $ 564,154,604,000 585 $ 104,435,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ 1,639,292,000 534 $ 98,590,000
Liberty Bank Minnesota
111 7TH AVE S
ST CLOUD, MN 56301
* $ 303,851,000 290 $ 67,140,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 283 $ 45,945,000
St. Cloud Financial Credit Union
3030 1ST ST S
SAINT CLOUD, MN 56301
* $ 289,886,000 258 $ 35,580,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 16,499,164,000 208 $ 48,530,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 187 $ 42,995,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 182 $ 36,870,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 171 $ 40,685,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 3,979,767,000 153 $ 18,035,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 131 $ 24,165,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 125 $ 28,075,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 3,746,301,000 122 $ 10,760,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 117 $ 25,525,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 112 $ 22,880,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 100 $ 23,340,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 94 $ 21,410,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 92 $ 18,350,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 92 $ 22,150,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 87 $ 18,745,000
American Heritage National Bank
24 2ND ST S
LONG PRAIRIE, MN 56347
* $ 549,579,000 83 $ 40,725,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 83 $ 22,455,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 9,729,918,000 81 $ 19,875,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 1,062,979,000 79 $ 11,925,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 78 $ 17,160,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 76 $ 17,830,000
Sentry Bank
400 4TH AVE NE
ST. JOSEPH, MN 56374
* $ 292,102,000 75 $ 16,905,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 74 $ 4,220,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 67 $ 14,265,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 62 $ 11,270,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 1,948,614,000 58 $ 6,970,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 471,597,000 56 $ 12,650,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 54 $ 3,440,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 54 $ 9,970,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 52 $ 3,210,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 3,168,170,000 50 $ 8,360,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 50 $ 10,160,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 49 $ 7,485,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 47 $ 10,705,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 46 $ 9,640,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 46 $ 14,020,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 44 $ 4,480,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 43 $ 8,925,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 40 $ 9,480,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 38 $ 7,460,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 37 $ 8,525,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 35 $ 7,835,000
Great River Federal CU
1532 W ST GERMAIN STREET
ST CLOUD, MN 56301
* $ 269,631,000 35 $ 4,235,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 34 $ 8,320,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 32 $ 8,060,000
Minnesota National Bank
131 12TH ST S
SAUK CENTRE, MN 56378
* $ 273,685,000 31 $ 4,265,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 29 $ 7,515,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 2,730,710,000 28 $ 4,530,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 348,453,000 27 $ 5,195,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 27 $ 6,195,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 467,757,000 25 $ 4,475,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ 227,468,000 25 $ 7,775,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 25 $ 5,175,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 24 $ 5,200,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ -1,000 24 $ 4,780,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 23 $ 4,575,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 21 $ 3,995,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 21 $ 6,595,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,046,578,000 20 $ 2,740,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 19 $ 4,145,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 7,846,662,000 19 $ 3,425,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 19 $ 5,255,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 18 $ 4,440,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 18 $ 4,080,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 17 $ 4,595,000
American National Bank of Minnesota
1920 SOUTH SIXTH STREET
BRAINERD, MN 56401
* $ 386,972,000 17 $ 3,795,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 3,390,640,000 16 $ 2,790,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 15 $ 1,785,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 15 $ 3,025,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 14 $ 2,600,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 14 $ 910,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 14 $ 3,510,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 14 $ 2,240,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 14 $ 2,730,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ -1,000 13 $ 2,245,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 13 $ 3,185,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 12 $ 3,010,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 12 $ 2,560,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 12 $ 2,130,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 12 $ 3,090,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 11 $ 2,755,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 11 $ 635,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 11 $ 2,835,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 11 $ 2,515,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 10 $ 2,230,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 10 $ 2,790,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 9 $ 1,845,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 8 $ 850,000
Boundary Waters Bank
11800 ABERDEEN ST NE #120
BLAINE, MN 55449
* $ 117,525,000 8 $ 520,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,671,091,000 8 $ 1,340,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 8 $ 2,160,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 8 $ 1,740,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 2,224,529,000 8 $ 1,360,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 8 $ 1,730,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 7 $ 1,765,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ 2,704,195,000 7 $ 2,365,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 1,585,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 7 $ 1,515,000
First Western Bank & Trust
900 SOUTH BROADWAY
MINOT, ND 58701
* $ 1,965,063,000 7 $ 1,235,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,820,664,000 7 $ 1,985,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 7 $ 1,925,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 7 $ 1,105,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 7 $ 2,775,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 7 $ 1,855,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 7 $ 1,725,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,230,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 6 $ 1,520,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 1,420,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ 439,943,000 6 $ 1,190,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 6 $ 1,270,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 5 $ 1,265,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 5 $ 945,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 5 $ 1,135,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ 651,106,000 5 $ 585,000
Riverwood Bank
14540 DELLWOOD DR PO BOX 2947
BAXTER, MN 56425
* $ 550,041,000 5 $ 2,745,000
Bridgewater Bank
4450 EXCELSIOR BOULEVARD
ST. LOUIS PARK, MN 55416
* $ 3,473,066,000 5 $ 15,915,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 4,059,403,000 5 $ 985,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 855,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 5 $ 905,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 5 $ 1,295,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 5 $ 755,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 5 $ 1,865,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 5 $ 1,205,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 4 $ 970,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 4 $ 870,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 4 $ 570,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 4 $ 750,000
West Bank
1601 22ND STREET
WEST DES MOINES, IA 50266
* $ 3,499,287,000 4 $ 4,660,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 4 $ 860,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 4 $ 1,560,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 4 $ 1,040,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 4 $ 790,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 1,510,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 4 $ 740,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 4,710,410,000 4 $ 1,120,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 550,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ 1,566,307,000 4 $ 280,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 4 $ 1,010,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 4 $ 1,160,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 4 $ 630,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 980,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 781,244,000 4 $ 680,000
Sharepoint Credit Union
5300 HYLAND GREENS DR
BLOOMINGTON, MN 55437
* $ 305,574,000 3 $ 235,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 3 $ 895,000
Citizens Alliance Bank
55 NW 1ST ST NW PO BOX 430
CLARA CITY, MN 56222
* $ 1,056,226,000 3 $ 1,185,000
Agcountry Farm Credit Services, Flca
1900 44TH ST S - PO BOX 6020
FARGO, ND 58108
* $ -1,000 3 $ 405,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ 1,281,403,000 3 $ 305,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 3 $ 615,000
Devon Bank
6445 N WESTERN AVENUE
CHICAGO, IL 60645
* $ 451,130,000 3 $ 1,065,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 715,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 3 $ 805,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 3 $ 725,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 2,889,083,000 3 $ 355,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 3 $ 375,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 3 $ 815,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 93,227,302,000 3 $ 1,035,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 3 $ 65,000
American Finance House Lariba
15141 E WHITTIER BLVD, SUITE 400
WHITTIER, CA 90603
* $ -1,000 3 $ 775,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 3 $ 825,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 3 $ 815,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 2,278,779,000 3 $ 765,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 785,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 3 $ 755,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 525,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 3 $ 385,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,502,665,000 3 $ 175,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 315,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 2 $ 290,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 420,000
Grandbridge Real Estate Capital LLC
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ -1,000 2 $ 2,920,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 121,064,212,000 2 $ 1,510,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 2 $ 340,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 38,107,223,000 2 $ 720,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 490,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 2 $ 440,000
The Bank of Elk River
630 MAIN STREET
ELK RIVER, MN 55330
* $ 635,628,000 2 $ 950,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 2 $ 860,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 340,000
Flagship Bank Minnesota
1415 WAYZATA BLVD E
WAYZATA, MN 55391
* $ 325,748,000 2 $ 1,210,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 4,030,966,000 2 $ 640,000
American Investors Bank and Mortgage
6385 OLD SHADY OAK ROAD, SUITE #110
EDEN PRAIRIE, MN 55344
* $ 94,923,000 2 $ 330,000
Hometown Bank
1600 MONROE DRIVE
CARVER, MN 55315
* $ 523,774,000 2 $ 910,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ -1,000 2 $ 460,000
Community Resource Bank
1605 HERITAGE DRIVE
NORTHFIELD, MN 55057
* $ 351,008,000 2 $ 300,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 2 $ 360,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 530,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 2 $ 660,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 2 $ 800,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 2 $ 620,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 450,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 430,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 2 $ 370,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 400,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 2 $ 300,000
American Federal Bank
215 N 5TH ST
FARGO, ND 58102
* $ 684,318,000 2 $ 690,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 2 $ 1,150,000
Clearpointe Capital, LLC
N86W14041 BEACON STREET
MENOMONEE FALLS, WI 53051
* $ -1,000 2 $ 20,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 300,000
Bellwether Enterprise Real Estate Capital, LLC
1360 E. 9TH STREET SUITE 300
CLEVELAND, OH 44114
* $ -1,000 2 $ 16,310,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 1,064,401,000 2 $ 390,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 2 $ 870,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 2 $ 130,000
Citizens State Bank
375 STAGELINE RD
HUDSON, WI 54016
* $ 317,042,000 2 $ 610,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 350,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 870,500,000 2 $ 420,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 390,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 410,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ 508,641,000 2 $ 540,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 370,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 586,804,000 2 $ 310,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 2 $ 200,000
First Community Credit Union
111 9TH ST SW
JAMESTOWN, ND 58401
* $ 1,060,912,000 2 $ 350,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 1,642,713,000 1 $ 355,000
Charter Bank
1010 W CLAIREMONT AVE
EAU CLAIRE, WI 54701
* $ 1,136,168,000 1 $ 275,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ 4,833,920,000 1 $ 5,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 265,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 1 $ 265,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 1 $ 8,375,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ 932,167,000 1 $ 55,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 265,000
Midamerica National Bank
100 W ELM ST
CANTON, IL 61520
* $ 523,226,000 1 $ 155,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 1 $ 195,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 1 $ 235,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 135,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 355,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 165,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 1 $ 105,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 19,608,230,000 1 $ 45,000
Foresight Bank
138 WEST BROADWAY
PLAINVIEW, MN 55964
* $ 308,678,000 1 $ 255,000
Minnesota Valley Federal Credit Union
1640 ADAMS ST
MANKATO, MN 56001
* $ 257,449,000 1 $ 265,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 1 $ 145,000
Neighborhood National Bank
45 NORTH UNION
MORA, MN 55051
* $ 301,357,000 1 $ 145,000
Bank Midwest
1525 18TH STREET SUITE 100
SPIRIT LAKE, IA 51360
* $ 1,234,147,000 1 $ 165,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 1 $ 165,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 325,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 7,187,889,000 1 $ 145,000
American Nationwide Mortgage Company, Inc.
3820 NORTHDALE BLVD STE 111A
TAMPA, FL 33624
* $ -1,000 1 $ 135,000
Farmers & Merchants Savings Bank
PO BOX 588 101 E MAIN ST
MANCHESTER, IA 52057
* $ 593,413,000 1 $ 105,000
Minnco Credit Union
235 WEST 1ST AVENUE
CAMBRIDGE, MN 55008
* $ 474,930,000 1 $ 25,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 145,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 1,739,119,000 1 $ 385,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ 692,597,000 1 $ 265,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 155,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 1 $ 185,000
Associated Healthcare CU
360 SHERMAN ST. SUITE B-10
SAINT PAUL, MN 55102
* $ 154,995,000 1 $ 155,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 1 $ 8,375,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 265,000
Waterstone Bank SSB
11200 WEST PLANK COURT
WAUWATOSA, WI 53226
* $ 2,209,533,000 1 $ 555,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 155,000
Security First Bank of North Dakota
700 ASH AVENUE
NEW SALEM, ND 58563
* $ 240,373,000 1 $ 85,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 410,662,000 1 $ 185,000
Anoka Hennepin Credit Union
11681 THEATRE DR N
MINNEAPOLIS, MN 55448
* $ 278,465,000 1 $ 25,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 105,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 105,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 1 $ 65,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 1 $ 445,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 1 $ 85,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 135,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 175,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 515,000
Best Capital Funding
21540 PLUMMER STREET, SUITE A
CHATSWORTH, CA 91311
* $ -1,000 1 $ 455,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 167,115,000 1 $ 175,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 105,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 442,133,000 1 $ 185,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 2,697,669,000 1 $ 135,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ -1,000 1 $ 325,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 907,478,000 1 $ 135,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 115,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 225,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 565,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 604,572,000 1 $ 65,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 1,170,198,000 1 $ 505,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 983,927,000 1 $ 135,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 185,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 370,967,000 1 $ 85,000
Tradition Capital Bank
7601 FRANCE AVE S
WAYZATA, MN 55391
* $ 1,786,164,000 1 $ 885,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ 2,305,640,000 1 $ 225,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 1 $ 595,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 195,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 305,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 6,111,597,000 1 $ 25,000
Bank Forward
390 WHEAT STREET, PO BOX 100
FARGO, ND 58104
* $ 873,139,000 1 $ 245,000
First National Bank of Hutchinson
1 N MAIN ST
HUTCHINSON, KS 67501
* $ 971,298,000 1 $ 985,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 33,980,000,000 1 $ 965,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 265,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 205,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 25,000
Cornerstone Bank
2280 45TH STREET SOUTH
FARGO, ND 58104
* $ 1,310,231,000 1 $ 315,000
Htlf Bank
1800 LARIMER ST STE 100
DENVER, CO 80202
* $ 2,696,695,000 1 $ 3,765,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 215,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ 1,293,726,000 1 $ 35,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 1 $ 275,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 1,197,655,000 1 $ 11,845,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 285,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 5,860,350,000 1 $ 415,000
Fnb Moose Lake
400 ELM AVENUE PO BOX 429
MOOSE LAKE, MN 55767
* $ 127,752,000 1 $ 135,000

The tables below break down 2022 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 2022

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 3,962 $968,250,000 $244,000 $13,665,000 $95,000 $1,794,000
Cash-out Refinancing 1,457 $268,705,000 $184,000 $2,005,000 $89,000 $885,000
Refinancing 978 $190,700,000 $194,000 $8,485,000 $99,000 $1,173,000
Home Improvement 381 $28,745,000 $75,000 $545,000 $109,000 $631,000
Other Purpose 320 $27,170,000 $84,000 $755,000 $123,000 $1,976,000
Not Applicable 28 $3,210,000 $114,000 $195,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 4,934 $967,230,000 $196,000 $2,555,000 $97,000 $1,976,000
Not applicable 866 $275,840,000 $318,000 $13,665,000 $108,000 $324,000
Not Provided 795 $144,225,000 $181,000 $925,000 $98,000 $1,017,000
Hispanic 224 $37,400,000 $166,000 $475,000 $71,000 $216,000
Black or African American 161 $30,845,000 $191,000 $565,000 $80,000 $618,000
Asian 95 $21,475,000 $226,000 $1,105,000 $121,000 $567,000
American Indian or Alaskan Native 35 $6,395,000 $182,000 $805,000 $102,000 $756,000
Native Hawaiian or Other Pacific Islander 5 $815,000 $163,000 $265,000 $75,000 $130,000

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) 5,423 $1,110,015,000 $204,000 $13,665,000 $102,000 $1,976,000
FHA-insured (Federal Housing Administration) 1,033 $211,785,000 $205,000 $485,000 $69,000 $488,000
VA-guaranteed (Veterans Administration) 572 $145,070,000 $253,000 $1,715,000 $81,000 $440,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 98 $19,910,000 $203,000 $355,000 $67,000 $122,000

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 4,493 $964,315,000 $214,000 $13,665,000 $101,000 $1,976,000
Application Withdrawn By Applicant 795 $184,895,000 $232,000 $11,845,000 $95,000 $1,020,000
Loan Purchased By The Institution 730 $161,340,000 $221,000 $885,000 $99,000 $368,000
Application Denied By Financial Institution 724 $102,520,000 $141,000 $705,000 $72,000 $1,173,000
File Closed For Incompleteness 217 $38,465,000 $177,000 $1,715,000 $86,000 $495,000
Application Approved But Not Accepted 157 $33,005,000 $210,000 $1,325,000 $96,000 $407,000
Preapproval Approved but not Accepted 7 $1,585,000 $226,000 $385,000 $82,000 $186,000
Preapproval Denied by Financial Institution 3 $655,000 $218,000 $245,000 $40,000 $44,000

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 6,231 $1,326,135,000 $212,000 $11,845,000 $99,000 $1,976,000
Debt-To-Income Ratio 392 $86,960,000 $221,000 $13,665,000 $79,000 $723,000
Credit History 199 $24,425,000 $122,000 $645,000 $81,000 $502,000
Collateral 108 $16,200,000 $150,000 $645,000 $89,000 $1,173,000
Credit Application Incomplete 81 $13,865,000 $171,000 $535,000 $84,000 $488,000
Other 54 $8,050,000 $149,000 $615,000 $91,000 $495,000
Unverifiable Information 33 $5,455,000 $165,000 $375,000 $67,000 $130,000
Insufficient Cash (Downpayment, Closing Cost) 18 $3,350,000 $186,000 $355,000 $54,000 $124,000
Employment History 10 $2,340,000 $234,000 $385,000 $52,000 $128,000
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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