Stevens County, MN Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 396 mortgage applications in Stevens County, MN totaling $59.4 million, up 59% from 2019. The average application was for $150,000, and applicants reported an average income of $86,000. 69% of applications resulted in an originated loan and 9% were denied. The most active lender was Bremer Bank NA, with 104 applications, followed by Riverwood Bank and US Bank, N.A..
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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 | 396 |
| Total Mortgage Loan Application Amount | $59,420,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $2,485,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $304,000 |
* 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 |
|---|---|---|---|---|
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 104 | $ 13,970,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 445,320,000 | 49 | $ 8,585,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 37 | $ 4,865,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 33 | $ 3,205,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 28 | $ 2,900,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 9 | $ 1,145,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,310,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,399,512,000 | 8 | $ 660,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 7 | $ 2,895,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 5 | $ 895,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 460,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 225,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 545,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 685,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 425,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 575,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 484,305,000 | 2 | $ 180,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 480,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 260,000 |
| Sentry Bank 400 4TH AVE NE ST. JOSEPH, MN 56374 |
* | $ 237,881,000 | 2 | $ 130,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 380,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,553,647,000 | 2 | $ 200,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 180,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 1,201,922,000 | 2 | $ 170,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 490,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 490,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 2 | $ 420,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 2 | $ 320,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 320,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 200,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 350,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 2 | $ 620,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 353,740,000 | 2 | $ 260,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 260,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 260,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 235,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 55,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 1 | $ 155,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 75,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 327,028,000 | 1 | $ 145,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,376,396,000 | 1 | $ 145,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 95,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 245,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 205,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 185,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 155,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,776,882,000 | 1 | $ 235,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 155,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 1 | $ 435,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 329,986,000 | 1 | $ 2,485,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 1 | $ 185,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 75,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 432,148,000 | 1 | $ 105,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,379,086,000 | 1 | $ 305,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 65,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 145,000 |
| St Paul Federal Credit Union 1330 CONWAY ST, STE 200 SAINT PAUL, MN 55106 |
* | $ 185,580,000 | 1 | $ 215,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 25,000 |
| Liberty Bank Minnesota 111 7TH AVE S ST CLOUD, MN 56301 |
* | $ 218,686,000 | 1 | $ 75,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 347,062,000 | 1 | $ 85,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 125,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2020 mortgage applications in Stevens 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 Stevens County, MN in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 148 | $25,810,000 | $174,000 | $2,205,000 | $93,000 | $301,000 |
| Home Purchase | 127 | $18,185,000 | $143,000 | $2,485,000 | $62,000 | $250,000 |
| Cash-out Refinancing | 96 | $14,080,000 | $146,000 | $515,000 | $103,000 | $304,000 |
| Home Improvement | 13 | $625,000 | $48,000 | $155,000 | $80,000 | $143,000 |
| Other Purpose | 10 | $410,000 | $41,000 | $105,000 | $95,000 | $180,000 |
| Not Applicable | 2 | $310,000 | $155,000 | $155,000 | $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 | 269 | $37,975,000 | $141,000 | $515,000 | $86,000 | $304,000 |
| Not Provided | 68 | $9,610,000 | $141,000 | $385,000 | $93,000 | $274,000 |
| Not applicable | 43 | $9,665,000 | $224,000 | $2,485,000 | $61,000 | $101,000 |
| Hispanic | 12 | $1,600,000 | $133,000 | $395,000 | $55,000 | $126,000 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $155,000 | $93,000 | $158,000 |
| Black or African American | 2 | $290,000 | $145,000 | $215,000 | $115,000 | $115,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 321 | $50,145,000 | $156,000 | $2,485,000 | $91,000 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,115,000 | $105,000 | $185,000 | $43,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,620,000 | $145,000 | $275,000 | $41,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,540,000 | $141,000 | $335,000 | $65,000 | $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 | 274 | $42,730,000 | $155,000 | $2,485,000 | $87,000 | $304,000 |
| Application Withdrawn By Applicant | 41 | $6,735,000 | $164,000 | $485,000 | $95,000 | $206,000 |
| Loan Purchased By The Institution | 36 | $4,580,000 | $127,000 | $335,000 | $61,000 | $101,000 |
| Application Denied By Financial Institution | 34 | $3,550,000 | $104,000 | $315,000 | $65,000 | $275,000 |
| File Closed For Incompleteness | 6 | $810,000 | $135,000 | $295,000 | $119,000 | $156,000 |
| Application Approved But Not Accepted | 5 | $1,015,000 | $203,000 | $515,000 | $81,000 | $180,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 357 | $55,405,000 | $155,000 | $2,485,000 | $89,000 | $304,000 |
| Debt-To-Income Ratio | 17 | $1,955,000 | $115,000 | $315,000 | $47,000 | $113,000 |
| Credit History | 5 | $415,000 | $83,000 | $115,000 | $54,000 | $63,000 |
| Unverifiable Information | 4 | $400,000 | $100,000 | $165,000 | $78,000 | $124,000 |
| Collateral | 4 | $400,000 | $100,000 | $165,000 | $102,000 | $115,000 |
| Credit Application Incomplete | 4 | $450,000 | $112,000 | $165,000 | $108,000 | $275,000 |
| Other | 3 | $205,000 | $68,000 | $135,000 | $45,000 | $58,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $15,000 | $15,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| 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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