Wilkin County, MN Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 256 mortgage applications in Wilkin County, MN totaling $26.4 million, up 9% from 2017. The average application was for $103,000, and applicants reported an average income of $66,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was Bremer Bank NA, with 61 applications, followed by Bell Bank 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 | 256 |
| Total Mortgage Loan Application Amount | $26,380,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $325,000 |
| 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 |
* | $ 11,915,259,000 | 61 | $ 6,465,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 4,763,242,000 | 32 | $ 2,750,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 24 | $ 2,390,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 22 | $ 2,110,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 618,980,000 | 10 | $ 840,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,260,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 10 | $ 990,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 6 | $ 600,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,063,591,000 | 6 | $ 300,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 407,700,000 | 6 | $ 500,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 690,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 770,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 4 | $ 140,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 525,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 355,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 1,044,941,000 | 3 | $ 285,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 150,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 2 | $ 270,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 264,582,000 | 2 | $ 290,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 220,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 130,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 220,000 |
| United Savings Credit Union 1001 1ST AVE N FARGO, ND 58102 |
* | $ 60,039,000 | 2 | $ 90,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 2 | $ 410,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 120,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 155,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 1 | $ 175,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 1,027,921,000 | 1 | $ 105,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 35,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 55,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 549,676,000 | 1 | $ 265,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 285,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 838,911,000 | 1 | $ 65,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 413,678,000 | 1 | $ 45,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 940,832,000 | 1 | $ 55,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 1 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 105,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 155,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 125,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 135,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 604,714,000 | 1 | $ 185,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 265,000 |
The tables below break down 2018 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 2018
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 | 129 | $15,635,000 | $121,000 | $285,000 | $61,000 | $212,000 |
| Cash-out Refinancing | 40 | $3,840,000 | $96,000 | $245,000 | $64,000 | $133,000 |
| Refinancing | 36 | $4,230,000 | $117,000 | $585,000 | $75,000 | $236,000 |
| Other Purpose | 28 | $1,550,000 | $55,000 | $225,000 | $82,000 | $325,000 |
| Home Improvement | 19 | $885,000 | $46,000 | $205,000 | $62,000 | $166,000 |
| Not Applicable | 4 | $240,000 | $60,000 | $95,000 | $102,000 | $102,000 |
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 | 205 | $21,115,000 | $103,000 | $585,000 | $65,000 | $325,000 |
| Not applicable | 35 | $3,855,000 | $110,000 | $265,000 | $0 | $0 |
| Not Provided | 14 | $1,310,000 | $93,000 | $255,000 | $81,000 | $205,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $135,000 | $135,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $42,000 | $42,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 180 | $16,930,000 | $94,000 | $585,000 | $70,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $4,420,000 | $110,000 | $195,000 | $44,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 29 | $4,045,000 | $139,000 | $285,000 | $60,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 7 | $985,000 | $140,000 | $245,000 | $65,000 | $95,000 |
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 | 141 | $15,415,000 | $109,000 | $585,000 | $74,000 | $325,000 |
| Application Denied By Financial Institution | 44 | $3,430,000 | $77,000 | $585,000 | $58,000 | $145,000 |
| Loan Purchased By The Institution | 33 | $4,005,000 | $121,000 | $265,000 | $79,000 | $97,000 |
| Application Withdrawn By Applicant | 28 | $2,470,000 | $88,000 | $285,000 | $48,000 | $100,000 |
| File Closed For Incompleteness | 7 | $705,000 | $100,000 | $225,000 | $40,000 | $71,000 |
| Application Approved But Not Accepted | 3 | $355,000 | $118,000 | $175,000 | $37,000 | $48,000 |
| 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 | 201 | $21,805,000 | $108,000 | $585,000 | $66,000 | $325,000 |
| Debt-To-Income Ratio | 21 | $2,095,000 | $99,000 | $265,000 | $73,000 | $212,000 |
| Credit History | 15 | $1,325,000 | $88,000 | $585,000 | $65,000 | $135,000 |
| Collateral | 11 | $645,000 | $58,000 | $115,000 | $64,000 | $145,000 |
| Other | 5 | $325,000 | $65,000 | $95,000 | $57,000 | $102,000 |
| Unverifiable Information | 2 | $80,000 | $40,000 | $55,000 | $32,000 | $54,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $60,000 | $60,000 |
| 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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