Watonwan County, MN Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 388 mortgage applications in Watonwan County, MN totaling $36.4 million, up 13% from 2011. The average application was for $93,000, and applicants reported an average income of $81,000. 67% of applications resulted in an originated loan and 17% were denied. The most active lender was Pioneer Bank, with 88 applications, followed by Wells Fargo Bank NA and Wells Federal Bank.
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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 | 388 |
| Total Mortgage Loan Application Amount | $36,433,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $895,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,643,000 |
* 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 |
|---|---|---|---|---|
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ 270,062,000 | 88 | $ 5,705,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 56 | $ 5,478,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 239,475,000 | 33 | $ 3,101,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 314,182,000 | 31 | $ 3,053,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 30 | $ 3,289,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 594,790,000 | 22 | $ 2,474,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,331,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 10 | $ 1,064,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,459,365,000 | 8 | $ 949,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 7 | $ 669,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 695,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 6 | $ 546,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 188,563,000 | 4 | $ 286,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,439,611,000 | 3 | $ 268,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 3 | $ 266,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 3 | $ 421,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 345,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 582,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 326,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 313,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 183,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 198,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 389,000,000 | 2 | $ 163,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 2 | $ 200,000 |
| Citizens Community Federal 2174 EASTRIDGE CENTER EAU CLAIRE, WI 54701 |
* | $ 530,805,000 | 2 | $ 37,000 |
| United Prairie Bank 10 FIRESTONE DRIVE, SUITE 300 MANKATO, MN 56001 |
* | $ 565,796,000 | 2 | $ 200,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 2 | $ 76,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 1 | $ 104,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 276,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 515,461,000 | 1 | $ 150,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Building Trades Federal Credit Union 12080 73RD AVE N MAPLE GROVE, MN 55369 |
* | $ 101,513,000 | 1 | $ 56,000 |
| First Minnesota Bank 4625 COUNTY ROAD 101 MINNETONKA, MN 55345 |
* | $ 385,795,000 | 1 | $ 196,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 92,000 |
| St. Clair State Bank 100 WEST MAIN STREET PO BOX 39 ST. CLAIR, MN 56080 |
* | $ 72,967,000 | 1 | $ 48,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 155,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 111,000 |
| Minnstar Bank National Association P.O. BOX 270 LAKE CRYSTAL, MN 56055 |
* | $ 114,319,000 | 1 | $ 64,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 35,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 569,541,000 | 1 | $ 28,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 92,000 |
| Bremer Bank NA (Willmar) 302 FIFTH ST SW WILLMAR, MN 56201 |
* | $ 590,415,000 | 1 | $ 21,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 1 | $ 100,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 683,045,000 | 1 | $ 51,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 98,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 143,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 1 | $ 104,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 173,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 19,007,020,000 | 1 | $ 50,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 42,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 241,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 22,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 122,000 |
The tables below break down 2012 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 2012
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 | 269 | $26,779,000 | $99,000 | $895,000 | $96,000 | $1,643,000 |
| Home Purchase | 90 | $8,497,000 | $94,000 | $400,000 | $43,000 | $151,000 |
| Home Improvement | 29 | $1,157,000 | $39,000 | $168,000 | $60,000 | $207,000 |
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 | 317 | $31,666,000 | $99,000 | $895,000 | $92,000 | $1,643,000 |
| Hispanic | 37 | $1,807,000 | $48,000 | $124,000 | $30,000 | $99,000 |
| Not Provided | 20 | $1,429,000 | $71,000 | $163,000 | $46,000 | $112,000 |
| Not applicable | 14 | $1,531,000 | $109,000 | $196,000 | $20,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 307 | $27,637,000 | $90,000 | $895,000 | $93,000 | $1,643,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,545,000 | $108,000 | $276,000 | $38,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $1,781,000 | $77,000 | $133,000 | $34,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,470,000 | $154,000 | $297,000 | $25,000 | $98,000 |
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 | 260 | $23,777,000 | $91,000 | $895,000 | $98,000 | $1,643,000 |
| Application Denied By Financial Institution | 65 | $6,239,000 | $95,000 | $276,000 | $47,000 | $174,000 |
| Application Withdrawn By Applicant | 25 | $1,897,000 | $75,000 | $183,000 | $45,000 | $110,000 |
| Application Approved But Not Accepted | 17 | $2,177,000 | $128,000 | $300,000 | $59,000 | $110,000 |
| Loan Purchased By The Institution | 15 | $1,773,000 | $118,000 | $297,000 | $34,000 | $100,000 |
| File Closed For Incompleteness | 6 | $570,000 | $95,000 | $190,000 | $43,000 | $86,000 |
| 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 | 19 | $969,000 | $51,000 | $151,000 | $32,000 | $174,000 |
| Debt-To-Income Ratio | 12 | $1,534,000 | $127,000 | $245,000 | $52,000 | $113,000 |
| Collateral | 11 | $1,455,000 | $132,000 | $251,000 | $75,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $166,000 | $83,000 | $89,000 | $17,000 | $35,000 |
| Other | 2 | $109,000 | $54,000 | $67,000 | $55,000 | $63,000 |
| Unverifiable Information | 1 | $106,000 | $106,000 | $106,000 | $25,000 | $25,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 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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