Watonwan County, MN Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 357 mortgage applications in Watonwan County, MN totaling $34.9 million, down 22% from 2009. The average application was for $97,000, and applicants reported an average income of $72,000. 60% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 70 applications, followed by Pioneer Bank and Citizens 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 | 357 |
| Total Mortgage Loan Application Amount | $34,872,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $383,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,570,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 70 | $ 8,190,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ 238,803,000 | 57 | $ 3,416,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 271,051,000 | 37 | $ 3,198,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 32 | $ 3,547,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 265,233,000 | 29 | $ 3,040,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 692,953,000 | 14 | $ 1,606,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 9 | $ 896,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 898,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,022,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 699,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 6 | $ 604,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 6 | $ 860,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 5 | $ 419,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 5 | $ 100,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 426,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 4 | $ 354,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 516,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 170,653,000 | 3 | $ 410,000 |
| United Prairie Bank 10 FIRESTONE DRIVE, SUITE 300 MANKATO, MN 56001 |
* | $ 526,658,000 | 3 | $ 136,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 287,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 2 | $ 177,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 300,000 |
| Minnstar Bank National Association P.O. BOX 270 LAKE CRYSTAL, MN 56055 |
* | $ 101,219,000 | 2 | $ 115,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 846,129,000 | 2 | $ 182,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 294,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 206,000 |
| Citizens Community Federal PO BOX 218 ALTOONA, WI 54720 |
* | $ 566,651,000 | 2 | $ 166,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 739,711,000 | 2 | $ 90,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 128,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 1 | $ 40,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 670,531,000 | 1 | $ 100,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 1 | $ 108,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 191,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 150,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 60,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 132,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 55,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 642,347,000 | 1 | $ 61,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 134,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 173,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 172,000 |
| Green Planet Mortgage, LLC 4900 CREEKSIDE DRIVE SUITE H CLEARWATER, FL 33760 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 70,000 |
The tables below break down 2010 mortgage applications in Watonwan 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 Watonwan County, MN in 2010
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 | 227 | $25,338,000 | $111,000 | $383,000 | $86,000 | $1,570,000 |
| Home Purchase | 95 | $8,159,000 | $85,000 | $210,000 | $44,000 | $186,000 |
| Home Improvement | 35 | $1,375,000 | $39,000 | $191,000 | $63,000 | $192,000 |
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 | 284 | $29,150,000 | $102,000 | $383,000 | $76,000 | $1,570,000 |
| Hispanic | 31 | $1,760,000 | $56,000 | $173,000 | $50,000 | $669,000 |
| Not Provided | 23 | $2,182,000 | $94,000 | $177,000 | $103,000 | $321,000 |
| Not applicable | 15 | $1,300,000 | $86,000 | $190,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $188,000 | $188,000 | $188,000 | $57,000 | $57,000 |
| American Indian or Alaskan Native | 1 | $27,000 | $27,000 | $27,000 | $55,000 | $55,000 |
| Asian | 1 | $103,000 | $103,000 | $103,000 | $31,000 | $31,000 |
| Black or African American | 1 | $162,000 | $162,000 | $162,000 | $160,000 | $160,000 |
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) | 278 | $26,808,000 | $96,000 | $383,000 | $76,000 | $1,570,000 |
| FHA-insured (Federal Housing Administration) | 55 | $6,157,000 | $111,000 | $214,000 | $73,000 | $1,068,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,280,000 | $75,000 | $173,000 | $21,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 7 | $627,000 | $89,000 | $210,000 | $42,000 | $60,000 |
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 | 213 | $20,287,000 | $95,000 | $383,000 | $75,000 | $1,570,000 |
| Application Denied By Financial Institution | 68 | $6,212,000 | $91,000 | $320,000 | $82,000 | $1,068,000 |
| Application Withdrawn By Applicant | 37 | $3,711,000 | $100,000 | $188,000 | $48,000 | $115,000 |
| Loan Purchased By The Institution | 20 | $2,132,000 | $106,000 | $214,000 | $17,000 | $99,000 |
| File Closed For Incompleteness | 10 | $1,411,000 | $141,000 | $230,000 | $145,000 | $236,000 |
| Application Approved But Not Accepted | 9 | $1,119,000 | $124,000 | $161,000 | $77,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $1,307,000 | $54,000 | $133,000 | $54,000 | $148,000 |
| Collateral | 12 | $1,762,000 | $146,000 | $320,000 | $77,000 | $225,000 |
| Debt-To-Income Ratio | 10 | $877,000 | $87,000 | $172,000 | $70,000 | $321,000 |
| Other | 5 | $638,000 | $127,000 | $188,000 | $46,000 | $72,000 |
| Credit Application Incomplete | 3 | $229,000 | $76,000 | $118,000 | $53,000 | $66,000 |
| Unverifiable Information | 1 | $102,000 | $102,000 | $102,000 | $64,000 | $64,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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