St. Louis County, MN Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 6,945 mortgage applications in St. Louis County, MN totaling $1.5 billion, up 15% from 2024. The average application was for $214,000, and applicants reported an average income of $124,000. 60% of applications resulted in an originated loan and 11% were denied. The most active lender was US Bank, N.A., with 597 applications, followed by North Shore Bank of Commerce and Members Cooperative 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 6,945
Total Mortgage Loan Application Amount $1,491,685,000
Average Mortgage Loan Application Amount $214,000
Highest Mortgage Loan Application Amount $25,545,000
Average Applicant Income $124,000
Highest Applicant Income $7,012,000

Mortgage Company List for Lending in St. Louis County, MN for 2025

* 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
* $ n/a 597 $ 98,425,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ n/a 429 $ 131,425,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ n/a 248 $ 34,580,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 235 $ 35,215,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ n/a 226 $ 24,090,000
Centricity Credit Union
4477 LAVAQUE RD
DULUTH, MN 55811
* $ n/a 225 $ 28,255,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ n/a 211 $ 47,735,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 189 $ 53,615,000
North Shore Federal Credit Union
85 OUTER DR
SILVER BAY, MN 55614
* $ n/a 177 $ 38,455,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 158 $ 39,310,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 132 $ 33,270,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ n/a 132 $ 41,230,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 130 $ 28,380,000
Park State Bank
2630 WEST SUPERIOR STREET
DULUTH, MN 55806
* $ n/a 130 $ 23,170,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 115 $ 31,335,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 110 $ 17,310,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 97 $ 19,655,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 94 $ 20,540,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ n/a 92 $ 24,370,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 90 $ 16,420,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 76 $ 17,340,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 74 $ 10,530,000
Harbor Pointe Credit Union
PO BOX 161558
DULUTH, MN 55802
* $ n/a 71 $ 11,765,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 67 $ 16,405,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ n/a 59 $ 7,205,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 58 $ 14,970,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ n/a 57 $ 13,135,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 56 $ 2,820,000
Miners Nb of Eveleth
401 GRANT AVE
EVELETH, MN 55734
* $ n/a 55 $ 10,565,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 54 $ 5,270,000
North Star Credit Union
24 S RIVER ST
COOK, MN 55723
* $ n/a 54 $ 9,000,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 53 $ 11,685,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ n/a 51 $ 7,355,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 51 $ 4,575,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 51 $ 12,595,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 49 $ 9,805,000
First National Bank of Gilbert
2 BROADWAY #1
GILBERT, MN 55741
* $ n/a 48 $ 10,730,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 46 $ 3,450,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 43 $ 6,535,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ n/a 43 $ 6,265,000
Northwoods Credit Union
1702 AVE B
CLOQUET, MN 55720
* $ n/a 42 $ 3,560,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 41 $ 9,775,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 40 $ 9,640,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 39 $ 9,895,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ n/a 39 $ 8,285,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 38 $ 10,070,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 38 $ 8,910,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 38 $ 5,000,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 38 $ 8,730,000
Ely Area Credit Union
2 E CHAPMAN ST
ELY, MN 55731
* $ n/a 35 $ 2,625,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 35 $ 1,905,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 33 $ 2,655,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 33 $ 5,055,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ n/a 32 $ 10,870,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 31 $ 4,385,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 29 $ 3,595,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 28 $ 6,760,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 27 $ 6,105,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 27 $ 5,065,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 27 $ 4,685,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 25 $ 7,035,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 24 $ 5,380,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 24 $ 5,080,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 22 $ 5,380,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 22 $ 6,960,000
Mpecu
30 W SUPERIOR ST. STE. 126
DULUTH, MN 55802
* $ n/a 20 $ 5,000,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ n/a 19 $ 2,455,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 18 $ 2,800,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 17 $ 2,935,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 17 $ 3,695,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 17 $ 3,735,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ n/a 17 $ 1,495,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 16 $ 3,780,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ n/a 16 $ 2,600,000
Two Harbors FCU
801 11TH ST
TWO HARBORS, MN 55616
* $ n/a 15 $ 1,105,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 14 $ 1,730,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 14 $ 2,740,000
Superior Savings Bank
1130 TOWER AVE
SUPERIOR, WI 54880
* $ n/a 12 $ 2,320,000
Northern State Bank

AURORA, MN 55705
* $ n/a 12 $ 1,770,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 12 $ 2,690,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 12 $ 3,360,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 12 $ 3,910,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 11 $ 2,675,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 11 $ 3,255,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 11 $ 2,735,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 11 $ 3,025,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 11 $ 4,935,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 11 $ 1,255,000
Highland Bank
2100 FORD PKWY
SAINT PAUL, MN 55116
* $ n/a 10 $ 1,290,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 10 $ 2,220,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 10 $ 1,870,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 10 $ 2,070,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ n/a 10 $ 1,410,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 10 $ 2,460,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 9 $ 2,525,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 9 $ 2,645,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ n/a 8 $ 1,800,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ n/a 8 $ 2,490,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 8 $ 680,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 7 $ 1,345,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ n/a 7 $ 1,785,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 7 $ 1,965,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 7 $ 2,505,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 7 $ 1,385,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 7 $ 1,995,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 7 $ 2,565,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 7 $ 1,385,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 7 $ 1,325,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 6 $ 1,000,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ n/a 6 $ 800,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 6 $ 1,070,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 6 $ 1,930,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 6 $ 2,110,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 6 $ 1,520,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 515,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 5 $ 1,335,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 5 $ 1,685,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ n/a 5 $ 1,075,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 5 $ 1,065,000
Uw Credit Union
3500 UNIVERSITY AVE
MADISON, WI 53717
* $ n/a 5 $ 1,225,000
Citizens State Bank
375 STAGELINE RD
HUDSON, WI 54016
* $ n/a 5 $ 965,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 5 $ 955,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ n/a 5 $ 825,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ n/a 5 $ 595,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 5 $ 1,135,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ n/a 5 $ 955,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 4 $ 1,110,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ n/a 4 $ 960,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 4 $ 720,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 4 $ 990,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 4 $ 820,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 4 $ 650,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 450,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 4 $ 360,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 4 $ 1,460,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 4 $ 1,470,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 4 $ 520,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 3 $ 265,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 3 $ 945,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 3 $ 185,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 3 $ 745,000
Fnb Moose Lake
400 ELM AVENUE PO BOX 429
MOOSE LAKE, MN 55767
* $ n/a 3 $ 915,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 3 $ 745,000
Jll Real Estate Capital, LLC
2177 YOUNGMAN AVE W SUITE 300
ST. PAUL, MN 55116
* $ n/a 3 $ 16,275,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 3 $ 885,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 485,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 3 $ 595,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 3 $ 295,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 3 $ 335,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 765,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ n/a 3 $ 525,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 3 $ 785,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 3 $ 685,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ n/a 3 $ 1,335,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 3 $ 195,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ n/a 3 $ 785,000
Topline Financial Credit Union
9353 JEFFERSON HWY
MAPLE GROVE, MN 55369
* $ n/a 3 $ 205,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 2 $ 630,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 2 $ 190,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ n/a 2 $ 890,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ n/a 2 $ 290,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 250,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ n/a 2 $ 550,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ n/a 2 $ 490,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 370,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ n/a 2 $ 170,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 2 $ 1,280,000
Summit Credit Union
PO BOX 8046
COTTAGE GROVE, WI 53527
* $ n/a 2 $ 710,000
Midwest Bank
613 HWY 10 E PO BOX 703
DETROIT LAKES, MN 56501
* $ n/a 2 $ 910,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 660,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 2 $ 260,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 2 $ 270,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 2 $ 840,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 2 $ 350,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ n/a 2 $ 580,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 2 $ 210,000
Minnco Credit Union
235 WEST 1ST AVENUE
CAMBRIDGE, MN 55008
* $ n/a 2 $ 400,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 2 $ 500,000
Gardner Financial Services
3503 PAESANOS PKWY
SAN ANTONIO, TX 78259
* $ n/a 2 $ 550,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 2 $ 1,010,000
Platinum Bank
7667 10TH ST N
OAKDALE, MN 55128
* $ n/a 2 $ 230,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 530,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ n/a 2 $ 1,150,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 630,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 2 $ 410,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 2 $ 240,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ n/a 2 $ 260,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 2 $ 880,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 320,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 2 $ 830,000
General Mortgage Capital Corporation
1350 OLD BAYSHORE HWY
BURLINGAME, CA 94010
* $ n/a 2 $ 780,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 2 $ 550,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 2 $ 520,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ n/a 2 $ 490,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 290,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 2 $ 520,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 2 $ 310,000
Cornerstone State Bank
401 4TH ST N W
MONTGOMERY, MN 56069
* $ n/a 2 $ 330,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ n/a 2 $ 130,000
Security Bank & Trust Company
735 11TH ST E
GLENCOE, MN 55336
* $ n/a 2 $ 1,320,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 2 $ 780,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 2 $ 810,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ n/a 2 $ 560,000
First Western Bank & Trust
900 SOUTH BROADWAY
MINOT, ND 58701
* $ n/a 2 $ 410,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 2 $ 1,030,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 2 $ 770,000
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ n/a 1 $ 205,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 1,165,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 105,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ n/a 1 $ 265,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 1 $ 23,095,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ n/a 1 $ 95,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 115,000
Canvas Credit Union
PO BOX 5238
ENGLEWOOD, CO 80155
* $ n/a 1 $ 5,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 285,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 1 $ 25,000
Lake Elmo Bank
11465 39TH STREET NORTH
LAKE ELMO, MN 55042
* $ n/a 1 $ 215,000
Dairy State Bank
16 S MAIN STREET
RICE LAKE, WI 54868
* $ n/a 1 $ 265,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ n/a 1 $ 225,000
Farmers State Bank
131 TOWER PARK DRIVE SUITE 100
WATERLOO, IA 50701
* $ n/a 1 $ 1,205,000
First State Bank Southwest
1433 OXFORD STREET
WORTHINGTON, MN 56187
* $ n/a 1 $ 135,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 1 $ 275,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 1 $ 295,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ n/a 1 $ 65,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 255,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 1 $ 135,000
Flyhomes Mortgage LLC
711 CAPITOL WAY S STE 204
OLYMPIA, WA 98501
* $ n/a 1 $ 155,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 85,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 355,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 235,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 75,000
Visionbank
3059 JOPPA AVE S
SAINT LOUIS PARK, MN 55416
* $ n/a 1 $ 325,000
Foresight Bank
138 WEST BROADWAY
PLAINVIEW, MN 55964
* $ n/a 1 $ 225,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 255,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 235,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 565,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ n/a 1 $ 775,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 215,000
Expedition Credit Union
1270 NORTHLAND DRIVE SUITE 350
MENDOTA HEIGHTS, MN 55120
* $ n/a 1 $ 55,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 115,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 265,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ n/a 1 $ 6,235,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ n/a 1 $ 6,235,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 1 $ 285,000
Indianhead Credit Union
104 E MAPLE ST
SPOONER, WI 54801
* $ n/a 1 $ 325,000
American Heritage National Bank
24 2ND ST S
LONG PRAIRIE, MN 56347
* $ n/a 1 $ 325,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 155,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ n/a 1 $ 305,000
Mayo Employees Federal Credit Union
130 23RD AVE SW
ROCHESTER, MN 55902
* $ n/a 1 $ 105,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 1 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 185,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 195,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 25,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 1 $ 435,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 1 $ 605,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ n/a 1 $ 145,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 535,000
Corevestamericanfinancelenderllc
1920 MAIN ST #850
IRVINE, CA 92614
* $ n/a 1 $ 155,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 215,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ n/a 1 $ 645,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 325,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 185,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 1 $ 625,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 55,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 95,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 255,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 75,000
First Western Federal Savings Bank
P.O. BOX 1435
RAPID CITY, SD 57701
* $ n/a 1 $ 115,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ n/a 1 $ 285,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 135,000
Liberty Bank Minnesota
111 7TH AVE S
ST CLOUD, MN 56301
* $ n/a 1 $ 185,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 155,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 225,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ n/a 1 $ 195,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 1 $ 405,000
Bridgewater Bank
4450 EXCELSIOR BOULEVARD
ST. LOUIS PARK, MN 55416
* $ n/a 1 $ 85,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 345,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 225,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 125,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ n/a 1 $ 35,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 25,000
First State Bank and Trust
950 N HWY
BAYPORT, MN 55003
* $ n/a 1 $ 145,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ n/a 1 $ 265,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 515,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 5,000
Waterman Bank
248 W LINCOLN HWY
WATERMAN, IL 60556
* $ n/a 1 $ 335,000
Hinsdale Bank & Trust Company, N.A
25 EAST FIRST STREET
HINSDALE, IL 60521
* $ n/a 1 $ 595,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ n/a 1 $ 285,000
American Bank & Trust
120 E MAIN STREET
SIOUX FALLS, SD 57108
* $ n/a 1 $ 35,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 365,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ n/a 1 $ 65,000
Citizens Independent Bank
5000 W 36TH ST
SAINT LOUIS PARK, MN 55416
* $ n/a 1 $ 485,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 1 $ 405,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ n/a 1 $ 135,000
First Resource Bank
7449 VILLAGE DRIVE
LINO LAKES, MN 55014
* $ n/a 1 $ 905,000
American National Bank of Minnesota
1920 SOUTH SIXTH STREET
BRAINERD, MN 56401
* $ n/a 1 $ 135,000
21st Century Bank
2335 HWY 36 W SUITE 202
ROSEVILLE, MN 55113
* $ n/a 1 $ 115,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 195,000
Premier Bank Minnesota
101 10TH ST E
HASTINGS, MN 55033
* $ n/a 1 $ 225,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ n/a 1 $ 85,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ n/a 1 $ 285,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 1 $ 615,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 65,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ n/a 1 $ 255,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 675,000
Covantage Credit Union
723 6TH AVE, PO BOX 107
ANTIGO, WI 54409
* $ n/a 1 $ 195,000
Minnwest Bank
300 S WASHINGTON
REDWOOD FALLS, MN 56283
* $ n/a 1 $ 155,000
Northmarq Capital Finance, L.L.C.

WASHINGTON, DC 20005
* $ n/a 1 $ 4,485,000
Kodabank
104 S MAIN ST
DRAYTON, ND 58225
* $ n/a 1 $ 505,000
First National Bank Ames Iowa
405 5TH ST
AMES, IA 50010
* $ n/a 1 $ 345,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ n/a 1 $ 225,000
Cortrust Bank
100 EAST HAVENS
MITCHELL, SD 57301
* $ n/a 1 $ 205,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 435,000
Cbre Multifamily Capital, Inc.

HOUSTON, TX 77079
* $ n/a 1 $ 25,545,000
Unity Bank
207 W LINCOLN ST
AUGUSTA, WI 54722
* $ n/a 1 $ 305,000
First Dakota National Bak
225 CEDAR ST
YANKTON, SD 57078
* $ n/a 1 $ 515,000
Loanflight Lending, Llc.
201 N FRANKLIN ST STE 3440
TAMPA, FL 33634
* $ n/a 1 $ 175,000
Coca-Cola Federal Credit Union
ONE COCA-COLA PLAZA NW
ATLANTA, GA 30313
* $ n/a 1 $ 85,000
Coulee Bank
1516 LOSEY BLVD. S.
LA CROSSE, WI 54601
* $ n/a 1 $ 85,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 285,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ n/a 1 $ 1,205,000
Americu Credit Union
1916 BLACK RIVER BLVD.
ROME, NY 13440
* $ n/a 1 $ 805,000
Wnb Financial
204 MAIN ST
WINONA, MN 55987
* $ n/a 1 $ 105,000
Bay Bank
2555 PACKERLAND DRIVE
GREEN BAY, WI 54313
* $ n/a 1 $ 205,000
Falcon National Bank
183 CEDAR DRIVE
FOLEY, MN 56329
* $ n/a 1 $ 9,755,000
Border Bank
4530 17TH AVENUE SOUTH
FARGO, ND 58103
* $ n/a 1 $ 155,000
Hometown Bank
1600 MONROE DRIVE
CARVER, MN 55315
* $ n/a 1 $ 825,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 105,000

The tables below break down 2025 mortgage applications in St. Louis County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for St. Louis County, MN in 2025

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 3,557 $878,925,000 $247,000 $9,755,000 $126,000 $3,830,000
Cash-out Refinancing 1,172 $222,820,000 $190,000 $6,855,000 $108,000 $7,012,000
Refinancing 877 $268,485,000 $306,000 $25,545,000 $143,000 $3,374,000
Other Purpose 710 $67,120,000 $94,000 $1,165,000 $125,000 $1,252,000
Home Improvement 620 $53,570,000 $86,000 $1,195,000 $124,000 $1,112,000
Not Applicable 9 $765,000 $85,000 $285,000 $309,000 $897,000

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 5,264 $1,031,450,000 $195,000 $2,805,000 $124,000 $3,830,000
Not Provided 676 $141,310,000 $209,000 $2,505,000 $126,000 $7,012,000
Not applicable 649 $252,195,000 $388,000 $25,545,000 $100,000 $171,000
Hispanic 115 $20,335,000 $176,000 $955,000 $120,000 $2,098,000
American Indian or Alaskan Native 98 $14,690,000 $149,000 $625,000 $82,000 $511,000
Asian 72 $16,970,000 $235,000 $805,000 $150,000 $1,080,000
Black or African American 64 $13,190,000 $206,000 $595,000 $145,000 $3,813,000
Native Hawaiian or Other Pacific Islander 7 $1,545,000 $220,000 $455,000 $120,000 $167,000

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) 5,666 $1,189,830,000 $209,000 $25,545,000 $131,000 $7,012,000
FHA-insured (Federal Housing Administration) 722 $143,400,000 $198,000 $6,235,000 $79,000 $511,000
VA-guaranteed (Veterans Administration) 521 $153,005,000 $293,000 $1,105,000 $102,000 $369,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $5,450,000 $151,000 $375,000 $65,000 $115,000

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 4,134 $948,990,000 $229,000 $25,545,000 $128,000 $3,813,000
Application Denied By Financial Institution 798 $126,210,000 $158,000 $2,805,000 $106,000 $7,012,000
Application Withdrawn By Applicant 758 $163,890,000 $216,000 $3,005,000 $140,000 $3,830,000
Loan Purchased By The Institution 703 $152,795,000 $217,000 $1,285,000 $83,000 $435,000
File Closed For Incompleteness 329 $61,755,000 $187,000 $1,675,000 $127,000 $1,849,000
Application Approved But Not Accepted 203 $34,205,000 $168,000 $925,000 $120,000 $604,000
Preapproval Approved but not Accepted 13 $2,355,000 $181,000 $415,000 $84,000 $176,000
Preapproval Denied by Financial Institution 7 $1,485,000 $212,000 $325,000 $71,000 $131,000

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 5,816 $1,310,480,000 $225,000 $25,545,000 $125,000 $3,830,000
Debt-To-Income Ratio 560 $90,040,000 $160,000 $1,265,000 $116,000 $2,098,000
Credit History 219 $27,035,000 $123,000 $965,000 $121,000 $7,012,000
Collateral 149 $31,515,000 $211,000 $2,805,000 $157,000 $1,590,000
Credit Application Incomplete 100 $15,250,000 $152,000 $635,000 $97,000 $339,000
Other 52 $7,810,000 $150,000 $895,000 $87,000 $204,000
Unverifiable Information 25 $4,075,000 $163,000 $565,000 $102,000 $268,000
Insufficient Cash (Downpayment, Closing Cost) 14 $3,610,000 $257,000 $735,000 $97,000 $242,000
Employment History 10 $1,870,000 $187,000 $335,000 $55,000 $146,000
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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