Wilkin County, MN Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 235 mortgage applications in Wilkin County, MN totaling $22.3 million, down 15% from 2009. The average application was for $94,000, and applicants reported an average income of $56,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank, NA, with 28 applications, followed by US Bank, N.A. and Gate City 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 | 235 |
| Total Mortgage Loan Application Amount | $22,255,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $662,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $210,000 |
| 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 | 28 | $ 3,002,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 26 | $ 2,877,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,146,346,000 | 24 | $ 1,959,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,967,973,000 | 23 | $ 1,921,000 |
| Riverwood Bank 14091 BAXTER DR #117 BAXTER, MN 56425 |
* | $ 183,164,000 | 20 | $ 1,290,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 400,815,000 | 18 | $ 1,448,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 17 | $ 2,277,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 252,949,000 | 11 | $ 1,295,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 10 | $ 851,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 323,323,000 | 6 | $ 336,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 336,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 324,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 533,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 403,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 3 | $ 155,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 361,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 2 | $ 137,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 144,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 195,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 153,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 299,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 15,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 2,823,342,000 | 1 | $ 280,000 |
| First National Bank PO BOX 688 HAWLEY, MN 56549 |
* | $ 94,047,000 | 1 | $ 189,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 200,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 990,482,000 | 1 | $ 94,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 36,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 89,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 145,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 128,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 60,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 112,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 92,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 170,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 1,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 795,264,000 | 1 | $ 100,000 |
The tables below break down 2010 mortgage applications in Wilkin 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 Wilkin 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 | 135 | $15,225,000 | $112,000 | $662,000 | $62,000 | $210,000 |
| Home Purchase | 66 | $5,619,000 | $85,000 | $220,000 | $38,000 | $159,000 |
| Home Improvement | 34 | $1,411,000 | $41,000 | $324,000 | $66,000 | $137,000 |
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 | 199 | $18,879,000 | $94,000 | $662,000 | $63,000 | $210,000 |
| Not applicable | 29 | $2,936,000 | $101,000 | $200,000 | $6,000 | $118,000 |
| Not Provided | 5 | $296,000 | $59,000 | $120,000 | $65,000 | $164,000 |
| Asian | 1 | $114,000 | $114,000 | $114,000 | $25,000 | $25,000 |
| Hispanic | 1 | $30,000 | $30,000 | $30,000 | $10,000 | $10,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 179 | $16,969,000 | $94,000 | $662,000 | $62,000 | $210,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,646,000 | $96,000 | $243,000 | $36,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $434,000 | $72,000 | $94,000 | $26,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 2 | $206,000 | $103,000 | $128,000 | $26,000 | $52,000 |
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 | 122 | $10,838,000 | $88,000 | $366,000 | $64,000 | $210,000 |
| Loan Purchased By The Institution | 47 | $5,218,000 | $111,000 | $200,000 | $38,000 | $157,000 |
| Application Denied By Financial Institution | 38 | $3,500,000 | $92,000 | $662,000 | $53,000 | $180,000 |
| Application Withdrawn By Applicant | 19 | $2,053,000 | $108,000 | $243,000 | $52,000 | $97,000 |
| Application Approved But Not Accepted | 6 | $316,000 | $52,000 | $119,000 | $36,000 | $92,000 |
| File Closed For Incompleteness | 3 | $330,000 | $110,000 | $280,000 | $76,000 | $91,000 |
| 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 | 12 | $785,000 | $65,000 | $120,000 | $44,000 | $85,000 |
| Debt-To-Income Ratio | 10 | $1,220,000 | $122,000 | $662,000 | $55,000 | $180,000 |
| Collateral | 5 | $655,000 | $131,000 | $220,000 | $109,000 | $164,000 |
| Other | 2 | $157,000 | $78,000 | $86,000 | $1,000 | $3,000 |
| Credit Application Incomplete | 1 | $126,000 | $126,000 | $126,000 | $50,000 | $50,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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