St. Louis County, MN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 5,627 mortgage applications in St. Louis County, MN totaling $1.2 billion, down 23% from 2022. The average application was for $205,000, and applicants reported an average income of $114,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was US Bank, N.A., with 542 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 | 5,627 |
| Total Mortgage Loan Application Amount | $1,154,235,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $51,805,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $2,829,000 |
* 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 |
* | $ 585,135,605,000 | 542 | $ 80,450,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 399,856,000 | 432 | $ 118,880,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 1,152,301,000 | 257 | $ 33,835,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 3,163,444,000 | 244 | $ 45,160,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 4,078,225,000 | 185 | $ 15,725,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 184 | $ 23,460,000 |
| Centricity Credit Union 4477 LAVAQUE RD DULUTH, MN 55811 |
* | $ 236,874,000 | 156 | $ 13,570,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 156 | $ 57,800,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 1,248,794,000 | 134 | $ 47,430,000 |
| Park State Bank 2630 WEST SUPERIOR STREET DULUTH, MN 55806 |
* | $ 1,082,644,000 | 112 | $ 21,360,000 |
| Miners Nb of Eveleth 401 GRANT AVE EVELETH, MN 55734 |
* | $ 91,913,000 | 101 | $ 17,905,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 101 | $ 6,915,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 98 | $ 21,810,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 708,340,000 | 89 | $ 10,225,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 84 | $ 16,610,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 80 | $ 16,260,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 80 | $ 18,240,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 78 | $ 15,510,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 74 | $ 15,880,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 72 | $ 5,090,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 71 | $ 18,395,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 68 | $ 13,620,000 |
| Harbor Pointe Credit Union PO BOX 161558 DULUTH, MN 55802 |
* | $ 152,871,000 | 67 | $ 10,635,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 66 | $ 13,690,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 60 | $ 14,210,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 58 | $ 7,240,000 |
| Ely Area Credit Union 2 E CHAPMAN ST ELY, MN 55731 |
* | $ 67,661,000 | 56 | $ 4,600,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 48 | $ 6,680,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 46 | $ 3,150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 42 | $ 8,390,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 41 | $ 8,865,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 427,321,000 | 41 | $ 8,045,000 |
| First National Bank of Gilbert 2 BROADWAY #1 GILBERT, MN 55741 |
* | $ 73,321,000 | 40 | $ 7,480,000 |
| North Shore Federal Credit Union 85 OUTER DR SILVER BAY, MN 55614 |
* | $ 262,527,000 | 38 | $ 6,850,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 36 | $ 5,570,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 36 | $ 5,280,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 36 | $ 6,870,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 35 | $ 5,755,000 |
| North Star Credit Union 24 S RIVER ST COOK, MN 55723 |
* | $ 91,442,000 | 34 | $ 3,970,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 32 | $ 6,380,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 32 | $ 7,040,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 31 | $ 6,015,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 4,614,668,000 | 31 | $ 6,415,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 30 | $ 5,970,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 29 | $ 7,165,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 27 | $ 7,685,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 27 | $ 6,295,000 |
| Northern State Bank of Virginia 600 CHESTNUT STREET VIRGINIA, MN 55792 |
* | $ 92,793,000 | 27 | $ 4,755,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 25 | $ 1,315,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 24 | $ 6,540,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 23 | $ 4,395,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 23 | $ 4,405,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 22 | $ 5,470,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 21 | $ 735,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 21 | $ 1,255,000 |
| Western National Bank PO BOX 16050 DULUTH, MN 55816 |
* | $ 126,912,000 | 20 | $ 4,220,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,552,579,000 | 20 | $ 4,420,000 |
| Northwoods Credit Union 1702 AVE B CLOQUET, MN 55720 |
* | $ 162,399,000 | 20 | $ 940,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 20 | $ 4,190,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 20 | $ 4,490,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,740,477,000 | 19 | $ 2,075,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 18 | $ 3,150,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 18 | $ 3,310,000 |
| Security State Bank of Hibbing 701 E HOWARD ST HIBBING, MN 55746 |
* | $ 157,433,000 | 17 | $ 2,905,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 14 | $ 2,670,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 2,119,023,000 | 14 | $ 1,790,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 13 | $ 1,255,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 13 | $ 2,895,000 |
| Minnesota Power Employees Credit Union 30 W SUPERIOR ST. STE. 126 DULUTH, MN 55802 |
* | $ 122,967,000 | 13 | $ 4,025,000 |
| Two Harbors FCU 801 11TH ST TWO HARBORS, MN 55616 |
* | $ 104,818,000 | 12 | $ 1,080,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 15,939,263,000 | 12 | $ 2,560,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 12 | $ 2,120,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 1,037,836,000 | 11 | $ 1,785,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ 663,555,000 | 11 | $ 1,555,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 451,321,000 | 11 | $ 685,000 |
| Citizens State Bank 375 STAGELINE RD HUDSON, WI 54016 |
* | $ 351,648,000 | 10 | $ 2,470,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 10 | $ 1,180,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 10 | $ 1,150,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 9 | $ 1,905,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 9 | $ 1,315,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,377,534,000 | 9 | $ 585,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 9 | $ 1,175,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 9 | $ 795,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 9 | $ 1,385,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ -1,000 | 9 | $ 2,095,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 9 | $ 2,145,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 9 | $ 815,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 9 | $ 1,505,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 8 | $ 2,680,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 8 | $ 1,600,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 7 | $ 1,545,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 7 | $ 2,225,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,745,000 |
| Superior Savings Bank 1130 TOWER AVE SUPERIOR, WI 54880 |
* | $ 81,451,000 | 7 | $ 1,025,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 6 | $ 700,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 6 | $ 1,080,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 6 | $ 1,850,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 770,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 940,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 290,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 6 | $ 1,630,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 1,030,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 6 | $ 700,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 2,123,114,000 | 5 | $ 1,175,000 |
| Northern State Bank AURORA, MN 55705 |
* | $ 316,202,000 | 5 | $ 495,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 227,336,000 | 5 | $ 1,065,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 885,269,000 | 5 | $ 655,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 4 | $ 810,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 4 | $ 1,170,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 2,170,641,000 | 4 | $ 390,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 4 | $ 950,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,576,574,000 | 4 | $ 690,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 4 | $ 1,530,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ -1,000 | 4 | $ 1,280,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 4,229,093,000 | 4 | $ 1,260,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 4 | $ 810,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 3,778,066,000 | 4 | $ 1,430,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 4 | $ 370,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 4 | $ 620,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 4 | $ 720,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 988,489,000 | 4 | $ 450,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 1,420,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 940,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 4 | $ 740,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 4 | $ 1,250,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 4 | $ 350,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 4 | $ 840,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 4 | $ 200,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 737,394,000 | 3 | $ 375,000 |
| Platinum Bank 7667 10TH ST N OAKDALE, MN 55128 |
* | $ 476,583,000 | 3 | $ 1,465,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 3 | $ 575,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 3 | $ 1,095,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ -1,000 | 3 | $ 925,000 |
| Lakeview Bank 9725 163RD ST W LAKEVILLE, MN 55044 |
* | $ 146,357,000 | 3 | $ 205,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 3 | $ 385,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 3 | $ 765,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 815,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 6,057,275,000 | 3 | $ 455,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 3 | $ 205,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 348,731,000,000 | 3 | $ 1,015,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 505,000 |
| Sherburne State Bank 12500 SHERBURNE AVE PO BOX 428, MN 55308 |
* | $ 230,557,000 | 3 | $ 825,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 3 | $ 425,000 |
| Farmers & Merchants Savings Bank PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 593,725,000 | 3 | $ 705,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 336,354,000 | 3 | $ 925,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 3 | $ 42,165,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 4,469,837,000 | 2 | $ 90,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 977,048,000 | 2 | $ 740,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 2 | $ 180,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 1,399,277,000 | 2 | $ 90,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 2 | $ 640,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 260,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 457,589,000 | 2 | $ 230,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ 1,208,524,000 | 2 | $ 370,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 2 | $ 1,210,000 |
| Security State Bank of Marine 120 JUDD STREET MARINE ON ST CROIX, MN 55047 |
* | $ 195,261,000 | 2 | $ 380,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 350,000 |
| First Bank Elk River 812 MAIN ST. ELK RIVER, MN 55330 |
* | $ 356,859,000 | 2 | $ 160,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 390,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 2 | $ 220,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 2 | $ 500,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 220,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 330,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 2 | $ 380,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 2 | $ 620,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 704,321,000 | 2 | $ 700,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 2 | $ 380,000 |
| Liberty Bank Minnesota 111 7TH AVE S ST CLOUD, MN 56301 |
* | $ 290,367,000 | 2 | $ 1,150,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 2 | $ 600,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 2 | $ 210,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 2 | $ 230,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 1,937,869,000 | 2 | $ 450,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 2 | $ 150,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 480,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 220,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 2 | $ 580,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 2 | $ 430,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 5,145,209,000 | 2 | $ 260,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 6,224,510,000 | 2 | $ 170,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 2 | $ 900,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 2 | $ 480,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 619,628,000 | 2 | $ 640,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 280,000 |
| Drake Bank 60 E. PLATO BLVD STE 100 ST. PAUL, MN 55107 |
* | $ 205,907,000 | 2 | $ 210,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,542,625,000 | 2 | $ 2,480,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 5,264,106,000 | 2 | $ 180,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 2 | $ 830,000 |
| Falcon National Bank 183 CEDAR DRIVE FOLEY, MN 56329 |
* | $ 868,853,000 | 2 | $ 3,250,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 542,602,000 | 2 | $ 610,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 370,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 255,000 |
| Eagle Rock Bank 975 34TH AVE NW ROCHESTER, MN 55901 |
* | $ 186,877,000 | 1 | $ 85,000 |
| Unity Bank 207 W LINCOLN ST AUGUSTA, WI 54722 |
* | $ 590,521,000 | 1 | $ 635,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 115,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 444,412,000 | 1 | $ 255,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 555,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,208,483,000 | 1 | $ 335,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 252,801,000 | 1 | $ 205,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 115,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 1 | $ 305,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 265,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 85,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 1,635,354,000 | 1 | $ 155,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 17,923,519,000 | 1 | $ 215,000 |
| Jll Real Estate Capital, LLC 2177 YOUNGMAN AVE W SUITE 300 ST. PAUL, MN 55116 |
* | $ -1,000 | 1 | $ 3,405,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 2,555,530,000 | 1 | $ 395,000 |
| Waterstone Bank SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ 2,027,068,000 | 1 | $ 1,045,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 445,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 1 | $ 475,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 245,000 |
| Real Genius LLC 1625 S CONGRESS AVE STE 190 DELRAY BEACH, FL 33445 |
* | $ -1,000 | 1 | $ 195,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ -1,000 | 1 | $ 525,000 |
| My Credit Union 4025 W OLD SHAKOPEE RD A BLOOMINGTON, MN 55420 |
* | $ 399,653,000 | 1 | $ 185,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 195,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 1,815,328,000 | 1 | $ 135,000 |
| One Nevada Credit Union 2645 S MOJAVE RD LAS VEGAS, NV 89121 |
* | $ 1,341,211,000 | 1 | $ 255,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 51,805,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 51,805,000 |
| Fnb Moose Lake 400 ELM AVENUE PO BOX 429 MOOSE LAKE, MN 55767 |
* | $ 124,170,000 | 1 | $ 35,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 1,747,013,000 | 1 | $ 385,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 105,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 155,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 635,992,000 | 1 | $ 235,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 225,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 25,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 1,254,978,000 | 1 | $ 165,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 7,488,838,000 | 1 | $ 215,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 1 | $ 935,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,574,512,000 | 1 | $ 85,000 |
| The Bank of Elk River 630 MAIN STREET ELK RIVER, MN 55330 |
* | $ 631,063,000 | 1 | $ 85,000 |
| Tradition Capital Bank 7601 FRANCE AVE S WAYZATA, MN 55391 |
* | $ 2,105,040,000 | 1 | $ 205,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 185,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 215,000 |
| Bay Bank 2555 PACKERLAND DRIVE GREEN BAY, WI 54313 |
* | $ 212,280,000 | 1 | $ 435,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 1 | $ 195,000 |
| Sunrise Banks, N.A. SIOUX FALLS, SD 57108 |
* | $ 2,099,142,000 | 1 | $ 65,000 |
| Heritage Bank Minnesota 181 MAIN STREET WEST CONCORD, MN 55985 |
* | $ 86,377,000 | 1 | $ 65,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 185,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 265,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 145,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 1 | $ 355,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 75,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,405,806,000 | 1 | $ 35,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 1 | $ 605,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 4,471,539,000 | 1 | $ 25,000 |
| First State Bank of Le Center 88 NORTH PARK AVE LE CENTER, MN 56057 |
* | $ 108,020,000 | 1 | $ 245,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 1 | $ 115,000 |
| Foresight Bank 138 WEST BROADWAY PLAINVIEW, MN 55964 |
* | $ 329,643,000 | 1 | $ 65,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 1 | $ 185,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 587,264,000 | 1 | $ 555,000 |
| Minnco Credit Union 235 WEST 1ST AVENUE CAMBRIDGE, MN 55008 |
* | $ 505,737,000 | 1 | $ 55,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 2,069,955,000 | 1 | $ 145,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 245,000 |
| Bank Five Nine 155 W. WISCONSIN AVENUE OCONOMOWOC, WI 53066 |
* | $ 1,675,982,000 | 1 | $ 85,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 35,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 185,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 205,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 415,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 135,000 |
| Peoples State Bank of Plainview 100 4TH AVE SE PLAINVIEW, MN 55964 |
* | $ 350,059,000 | 1 | $ 235,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 125,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 115,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 539,421,000 | 1 | $ 235,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 65,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ -1,000 | 1 | $ 18,845,000 |
The tables below break down 2023 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 2023
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 | 3,246 | $768,760,000 | $236,000 | $42,005,000 | $118,000 | $2,609,000 |
| Cash-out Refinancing | 749 | $122,165,000 | $163,000 | $825,000 | $93,000 | $700,000 |
| Other Purpose | 646 | $57,940,000 | $89,000 | $3,005,000 | $117,000 | $2,829,000 |
| Home Improvement | 562 | $38,580,000 | $68,000 | $535,000 | $115,000 | $1,900,000 |
| Refinancing | 416 | $165,840,000 | $398,000 | $51,805,000 | $113,000 | $651,000 |
| Not Applicable | 8 | $950,000 | $118,000 | $195,000 | $73,000 | $73,000 |
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 | 4,314 | $753,870,000 | $174,000 | $1,495,000 | $114,000 | $2,829,000 |
| Not Provided | 574 | $101,340,000 | $176,000 | $1,115,000 | $115,000 | $1,900,000 |
| Not applicable | 482 | $254,710,000 | $528,000 | $51,805,000 | $150,000 | $419,000 |
| American Indian or Alaskan Native | 95 | $15,015,000 | $158,000 | $1,255,000 | $84,000 | $308,000 |
| Hispanic | 69 | $13,395,000 | $194,000 | $695,000 | $152,000 | $2,098,000 |
| Asian | 46 | $8,820,000 | $191,000 | $535,000 | $114,000 | $442,000 |
| Black or African American | 36 | $5,230,000 | $145,000 | $495,000 | $72,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $30,000 | $30,000 |
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) | 4,713 | $974,745,000 | $206,000 | $51,805,000 | $120,000 | $2,829,000 |
| FHA-insured (Federal Housing Administration) | 565 | $95,945,000 | $169,000 | $485,000 | $69,000 | $265,000 |
| VA-guaranteed (Veterans Administration) | 314 | $79,100,000 | $251,000 | $1,075,000 | $96,000 | $318,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,445,000 | $127,000 | $255,000 | $63,000 | $110,000 |
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 | 3,495 | $789,665,000 | $225,000 | $51,805,000 | $123,000 | $2,829,000 |
| Application Denied By Financial Institution | 685 | $77,855,000 | $113,000 | $1,055,000 | $81,000 | $670,000 |
| Application Withdrawn By Applicant | 626 | $140,410,000 | $224,000 | $12,705,000 | $125,000 | $1,800,000 |
| Loan Purchased By The Institution | 480 | $98,900,000 | $206,000 | $845,000 | $81,000 | $483,000 |
| File Closed For Incompleteness | 211 | $27,495,000 | $130,000 | $565,000 | $92,000 | $320,000 |
| Application Approved But Not Accepted | 122 | $18,050,000 | $147,000 | $1,575,000 | $102,000 | $578,000 |
| Preapproval Denied by Financial Institution | 5 | $875,000 | $175,000 | $365,000 | $39,000 | $65,000 |
| Preapproval Approved but not Accepted | 3 | $985,000 | $328,000 | $485,000 | $151,000 | $290,000 |
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 | 4,596 | $1,024,900,000 | $222,000 | $51,805,000 | $115,000 | $1,800,000 |
| Debt-To-Income Ratio | 580 | $79,900,000 | $137,000 | $1,045,000 | $126,000 | $2,829,000 |
| Credit History | 190 | $15,810,000 | $83,000 | $455,000 | $80,000 | $480,000 |
| Collateral | 123 | $15,795,000 | $128,000 | $1,055,000 | $106,000 | $410,000 |
| Credit Application Incomplete | 51 | $6,355,000 | $124,000 | $365,000 | $109,000 | $670,000 |
| Other | 50 | $6,150,000 | $123,000 | $475,000 | $81,000 | $184,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,675,000 | $157,000 | $415,000 | $71,000 | $150,000 |
| Employment History | 12 | $1,100,000 | $91,000 | $215,000 | $56,000 | $151,000 |
| Unverifiable Information | 8 | $1,550,000 | $193,000 | $545,000 | $100,000 | $223,000 |
| 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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