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Home Mortgage Disclosure Act and Private Mortgage Insurance Companies Statistics for Zip Code 56525, Clay County, Minnesota (MN), Tract 0301.04

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    Home Mortgage Disclosure Act Aggregated Statistics

    • 3576 Originated: 400 FHA, FSA/RHS & VA for an average of $119,023, 976 Conventional Home Purchase Loans for an average of $116,631, 1750 Refinancings for an average of $102,286, 325 Home Improvement Loans for an average of $31,809, 9 Dwellings For 5+ Families for an average of $796,333, 100 Non-occupant Loans on < 5 Family Dwellings for an average of $102,840, 16 Loans On Manufactured Home Dwelling for an average of $57,500
    • 300 Approved but not accepted: 4 FHA, FSA/RHS & VA Home Purchase Loans for an average of $109,500, 77 Conventional Home Purchase for an average of $106,078, 184 Refinancings for an average of $90,935, 26 Home Improvement Loans for an average of $28,231, 9 Non-occupant Loans on < 5 Family Dwellings for an average of $66,667
    • 820 Denied loans: 27 FHA, FSA/RHS & VA for an average of $110,778, 125 Conventional for an average of $93,072, 520 Refinancings for an average of $104,210, 123 Home Improvement for an average of $31,333, 13 Non-occupant Loans on < 5 Family Dwellings for an average of $89,462, 12 Loans On Manufactured Home Dwelling for an average of $48,250
    • 471 Withdrawn: 20 FHA, FSA/RHS & VA for an average of $119,800, 82 Conventional Home Purchase Loans for an average of $125,805, 325 Refinancings for an average of $124,646, 35 Home Improvement for an average of $54,086, 9 Non-occupant Loans on < 5 Family Dwellings for an average of $112,222
    • 193 Applications closed for incompleteness: 1 FHA, FSA/RHS & VA Home Purchase Loan for $71,000, 30 Conventional Home Purchase Loans for an average of $92,267, 150 Refinancings for an average of $117,187, 11 Home Improvement Loans for an average of $59,000, 1 Non-occupant Loan on < 5 Family Dwelling for $132,000

    Compared to the state average:

    • The number of loans originated per 1000 residents (582) is above MN average (440). The average loan value for this tract ($103,230) is below the state average ($155,656).
    • The number of loans not accepted per 1000 residents (49) is comparable to MN average (51). The average loan value for this tract ($88,907) is significantly below the state average ($142,820).
    • The number of loans denied per 1000 residents (133) is comparable to MN average (119). The average loan value for this tract ($90,744) is below the state average ($141,458).
    • The number of loans withdrawn per 1000 residents (77) is comparable to MN average (76). The average loan value for this tract ($119,161) is below the state average ($159,345).
    • The number of loans closed per 1000 residents (31) is above MN average (23). The average loan value for this tract ($109,834) is below the state average ($162,540).

    HMDA - Loans Count

    HMDA - Average Loan Value ($)


    Private Mortgage Insurance Companies Aggregated Statistics

    • 394 Loans originated: 237 Conventional for an average of $131,511, 147 Refinancings for an average of $128,912, 8 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $103,000, 2 Loans On Manufactured Home Dwelling (A & B) for an average of $76,500
    • 72 Approved applications - not accepted: 32 Conventional for an average of $128,938, 37 Refinancings for an average of $151,486, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $108,667
    • 12 Denied loans: 6 Conventional Home Purchase for an average of $136,167, 3 Refinancings for an average of $182,667, 3 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $129,000
    • 10 Loans withdrawn: 3 Conventional Home Purchase for an average of $96,000, 7 Refinancings for an average of $110,000
    • 4 Closed for incompleteness: 1 Conventional for $140,000, 3 Refinancings for an average of $145,667

    PMIC - Loans Count

    PMIC - Average Loan Value ($)


    Private Mortgage Insurance Companies Disclosure Statistics

      Radian Guaranty:
    • 4 Originated: 2 Conventional Home Purchase Loans for an average of $131,500, 2 Refinancings for an average of $87,500
      Genworth Financial:
    • 12 Loans originated: 9 Conventional Home Purchase Loans for an average of $89,889, 3 Refinancings for an average of $87,667
    • Conventional Home Purchase Loan approved - not accepted for $102,000
      Mortgage Guaranty Insurance:
    • 4 Loans originated: 3 Conventional Home Purchase Loans for an average of $80,667, Refinancing for $77,000
      PMI Mortgage Insurance:
    • 4 Originated: 2 Conventional Home Purchase Loans for an average of $119,500, 2 Refinancings for an average of $152,000
      Republic Mortgage Insurance:
    • Refinancing Originated for $113,000
      United Guaranty Corporation:
    • 3 Conventional Home Purchase Loans Originated for an average of $100,000
      Triad Guaranty Insurance:
    • Refinancing Files closed for incompleteness for $96,000
      CMG Mortgage Insurance:
    • Refinancing Originated for $115,000

    Home Mortgage Disclosure Act Statistics for this county, Zip Code 56525, Tract 0301.04 - Office of the Comptroller of the Currency (OCC)

      WACHOVIA BANK NA (NC):
    • 2 Refinancings originated for an average of $99,000
      JPMORGAN CHASE BANK (OH):
    • Refinancing approved, not accepted for $25,000
      US BANK, N.A. (OH):
    • Conventional Home Purchase Loan originated for $115,000
      FLEET NATIONAL BANK (RI):
    • 6 Originated: 4 Refinancings for an average of $62,500, 2 Home Improvement for an average of $17,000
      FIRST TENNESSEE BANK NA (TN):
    • Conventional Home Purchase Loan Originated for $279,000
      NATIONAL CITY BANK (OH):
    • 2 Home Improvement Loans Denied for an average of $38,000
      NATIONAL CITY BANK OF INDIANA (IN):
    • 3 Originated: 2 Conventional Home Purchase for an average of $109,500, 1 Refinancing for $288,000
    • Conventional Home Purchase Loan Approved - not accepted for $126,000
      PNC BANK, NA (PA):
    • Refinancing Denied for $30,000
      CITIBANK, N.A. (NV):
    • Home Improvement Loan originated for $25,000
    • Conventional Home Purchase Loan approved but not accepted for $30,000
    • 5 Loans denied: 4 Refinancings for an average of $77,500, 1 Home Improvement for $51,000
    • Refinancing Closed for incompleteness for $30,000
      WELLS FARGO BANK, NA (SD):
    • 17 Loans originated: 3 Conventional for an average of $20,333, 12 Refinancings for an average of $54,750, 2 Home Improvement for an average of $27,500
    • 2 Refinancings Approved but not accepted for an average of $15,000
    • 5 Denied loans: 2 Refinancings for an average of $55,000, 3 Home Improvement for an average of $43,667
      WELLS FARGO BANK MINNESOTA NA (MN):
    • 25 Originated: 18 Refinancings for an average of $27,222, 7 Home Improvement for an average of $9,429
    • 7 Applications denied: 5 Refinancings for an average of $28,800, 2 Home Improvement Loans for an average of $13,000
      WELLS FARGO BANK NORTH DAKOTA (ND):
    • 5 Originated: 4 Refinancings for an average of $23,000, 1 Home Improvement Loan for $6,000
    • 2 Refinancings approved - not accepted for an average of $30,000
      FIRST MINNESOTA BANK, N.A. (MN):
    • Refinancing originated for $113,000
      WELLS FARGO BANK WEST, NA (CO):
    • 2 Loans originated: 1 Conventional Home Purchase for $17,000, 1 Refinancing for $15,000
      COMMUNITY FIRST NATIONAL BANK (ND):
    • 3 Refinancings originated for an average of $92,333
    • Home Improvement Loan Denied for $50,000
      RAMSEY NATIONAL BANK & TRUST C (ND):
    • Home Improvement Loan Originated for $42,000
      NBANK, N.A. (GA):
    • Conventional Home Purchase Loan originated for $145,000
      FIRST NATIONAL BANK (MN):
    • 2 Originated: 1 Conventional for $75,000, 1 Refinancing for $9,000
      NORTHWESTERN BANK N.A. (MN):
    • 26 Loans originated: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $69,000, 6 Conventional Home Purchase for an average of $90,333, 12 Refinancings for an average of $126,333, 6 Home Improvement Loans for an average of $24,667
      BREMER BANK NA (ST CLOUD) (MN):
    • Conventional Home Purchase Loan withdrawn for $151,000
      BANK OF AMERICA, N.A. (NC):
    • 9 Loans originated: 5 FHA, FSA/RHS & VA for an average of $82,800, 4 Conventional Home Purchase Loans for an average of $89,750
    • 3 Denied applications: 1 FHA, FSA/RHS & VA Home Purchase Loan for $94,000, 2 Conventional for an average of $79,500
    • 2 Conventional Home Purchase Loans withdrawn for an average of $104,500
      UNION PLANTERS BANK (TN):
    • Conventional Home Purchase Loan denied for $215,000
      U.S. BANK NATIONAL ASSOCIATION (MN):
    • Conventional Home Purchase Loan Originated for $94,000
      ALERUS FINANCIAL, N.A. (ND):
    • 5 Loans originated: 1 Conventional Home Purchase for $52,000, 3 Home Improvement for an average of $11,667, 1 Non-occupant Loan on < 5 Family Dwelling for $16,000
    • FHA, FSA/RHS & VA Home Purchase Loan Withdrawn for $78,000
      MERCHANTS BANK (MN):
    • 2 Refinancings originated for an average of $117,500
      KEYBANK NATIONAL ASSOCIATION (OH):
    • Refinancing originated for $98,000
      ADVANTA NATIONAL BANK (DE):
    • Refinancing Denied for $193,000
    • 2 Refinancings Withdrawn for an average of $49,500
      EQUITY BANK, N.A. (KS):
    • Refinancing originated for $238,000
      WACHOVIA BANK OF DELAWARE (DE):
    • Refinancing Approved but not accepted for $50,000
    • Refinancing denied for $48,000
      CHASE MANHATTAN BANK USA, NA (DE):
    • Conventional Home Purchase Loan originated for $45,000
    • Refinancing Approved but not accepted for $67,000
      BREMER BANK NA (FARGO) (ND):
    • 9 Originated: 1 FHA, FSA/RHS & VA for $75,000, 3 Conventional for an average of $86,667, 5 Refinancings for an average of $88,400
    • FHA, FSA/RHS & VA Home Purchase Loan Withdrawn for $75,000
      TEXAS CAPITAL BANK (TX):
    • Conventional Home Purchase Loan originated for $73,000
      BREMER BANK NA (TWIN CITIES) (MN):
    • FHA, FSA/RHS & VA Home Purchase Loan originated for $139,000
      WELLS FARGO BANK NEVADA, NA (NV):
    • Home Improvement Loan Originated for $16,000
    • Home Improvement Loan Approved, not accepted for $6,000
    • 2 Home Improvement Loans Denied for an average of $6,500
      US BANK NORTH DAKOTA (ND):
    • 2 Loans originated: 1 Conventional Home Purchase for $12,000, 1 Home Improvement for $37,000
    • Home Improvement Loan Approved but not accepted for $14,000
    • Conventional Home Purchase Loan Denied for $120,000
      METLIFE BANK, N.A. (NJ):
    • 3 Refinancings Denied for an average of $201,667
      NATIONAL BANK OF KANSAS CITY (KS):
    • Home Improvement Loan originated for $30,000
      MBNA AMERICA DELAWARE, N.A. (DE):
    • 2 Refinancings denied for an average of $46,500
      COUNTRYWIDE BANK, N.A. (VA):
    • Refinancing Originated for $28,000
      FIRST NATIONAL BANK OF ARIZONA (AZ):
    • Conventional Home Purchase Loan Originated for $142,000
      AMERICAN NATIONAL BANK OF MINN (MN):
    • Home Improvement Loan Denied for $13,000
      FIRST INDIANA BANK (IN):
    • Refinancing Approved but not accepted for $53,000
      NORTHWESTERN BANK, N.A. (MN):
    • 46 Originated: 4 FHA, FSA/RHS & VA Home Purchase Loans for an average of $113,000, 10 Conventional Home Purchase Loans for an average of $110,800, 30 Refinancings for an average of $94,100, 1 Home Improvement for $6,000, 1 Non-occupant Loan on < 5 Family Dwelling for $170,000
      RBS CITIZENS BANK, N.A. (NY):
    • Home Improvement Loan closed for incompleteness for $30,000
      CITIMORTGAGE, INC (MO):
    • Refinancing Originated for $35,000
    • Refinancing Denied for $23,000
      CITIMORTGAGE, INC (NY):
    • 2 Conventional Home Purchase Loans Originated for an average of $72,500
    • Refinancing denied for $255,000
      CAPITAL ONE HOME LOANS, LLC (KS):
    • Refinancing originated for $55,000
      CHASE MANHATTAN MORTGAGE CORP. (NJ):
    • Refinancing Originated for $164,000
      THE MONEY STORE (CA):
    • Home Improvement Loan Originated for $14,000
    • 2 Refinancings approved but not accepted for an average of $37,000
    • Home Improvement Loan denied for $15,000
      CITI RESIDENTIAL LENDING INC. (CA):
    • Refinancing denied for $145,000
      NATIONAL CITY MORTGAGE CORPORA (OH):
    • Refinancing originated for $104,000
      AM MTG NETWORK DBA VERTI (CA):
    • 4 Conventional Home Purchase Loans Originated for an average of $79,250
      ABN AMRO MTG GROUP INC (MI):
    • 6 Loans originated: 1 Conventional for $143,000, 5 Refinancings for an average of $80,800
    • 2 Refinancings closed for incompleteness for an average of $95,000
      FIRST FRANKLIN FINANCIAL CORP. (CA):
    • Conventional Home Purchase Loan originated for $95,000
      TCF MORTGAGE CORPORATION (MN):
    • Conventional Home Purchase Loan originated for $122,000
      WELLS FARGO FUNDING, INC (IA):
    • 2 Refinancings Originated for an average of $105,500
      FIRST HORIZON HOME LOAN CORP (TX):
    • 2 Loans originated: 1 Conventional for $126,000, 1 Non-occupant Loan on < 5 Family Dwelling for $126,000
      HOMEOWNERS LOAN CORPORATION (AL):
    • Refinancing withdrawn for $48,000
      SUMMIT MORTGAGE (VA):
    • Refinancing Withdrawn for $40,000
      WACHOVIA MORTAGE (NC):
    • 3 Loans originated: 1 Conventional for $129,000, 2 Refinancings for an average of $180,500
      NATIONSCREDIT FINANCIAL SERVICE (TX):
    • Refinancing Denied for $95,000
      FLEET MORTGAGE CORPORATION (SC):
    • 5 Loans originated: 3 Conventional Home Purchase Loans for an average of $91,667, 2 Refinancings for an average of $82,500
      SOUTHTRUST MORT DBA EQUIBANC (GA):
    • Conventional Home Purchase Loan Approved , not accepted for $184,000
      WESTAMERICA MORTGAGE COMPANY (IL):
    • Refinancing originated for $260,000
      CROSSLAND MORTGAGE CORPORATION (UT):
    • Refinancing Closed for incompleteness for $86,000
      WELLS FARGO HOME MORTGAGE (IA):
    • 14 Originated: 6 FHA, FSA/RHS & VA for an average of $73,500, 7 Conventional Home Purchase Loans for an average of $96,857, 1 Refinancing for $59,000
    • FHA, FSA/RHS & VA Home Purchase Loan Approved but not accepted for $71,000
    • 3 Denied: 1 Conventional for $44,000, 2 Refinancings for an average of $101,500

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    Home Mortgage Disclosure Act Statistics for Clay County, Minnesota, Tract 0301.04 - Federal Reserve System (FRB)

      REGIONS BANK (AL):
    • Refinancing Originated for $117,000
      ARVEST BANK GROUP (AR):
    • Home Improvement Loan Originated for $45,000
      PROVIDENT BANK (OH):
    • Conventional Home Purchase Loan Originated for $85,000
      BANC ONE FINANCIAL SERVICES (IN):
    • 6 Refinancings Withdrawn for an average of $87,833
    • Refinancing closed for incompleteness for $112,000
      THE CIT GROUP/SALES FINANCING, (NJ):
    • Conventional Home Purchase Loan denied for $30,000
      SUNTRUST MORTGAGE, INC (VA):
    • 2 Refinancings Originated for an average of $82,500
      WACHOVIA MORTGAGE (NC):
    • Refinancing denied for $125,000
      IRWIN MORTGAGE CORPORATION (IN):
    • 3 Loans originated: 2 FHA, FSA/RHS & VA for an average of $87,500, 1 Refinancing for $83,000
    • 4 Denied: 3 FHA, FSA/RHS & VA for an average of $80,000, 1 Refinancing for $125,000
      HOMESIDE MORTGAGE, INC. (FL):
    • Conventional Home Purchase Loan Approved - not accepted for $70,000
      CHASE MANHATTAN MORTGAGE CORP (NJ):
    • Refinancing Denied for $136,000
      COUNTRYWIDE HOME LOANS (CA):
    • Conventional Home Purchase Loan originated for $140,000
    • 2 Refinancings approved - not accepted for an average of $107,000
      WELLS FARGO FIN'L NORTH DAKOTA (IA):
    • 3 Refinancings Originated for an average of $110,667
    • Refinancing denied for $38,000
    • Refinancing withdrawn for $22,000
      WELLS FARGO FIN'L MINNESOTA (IA):
    • 2 Refinancings originated for an average of $25,000
    • 3 Denied applications: 2 Home Improvement Loans for an average of $20,000, 1 Non-occupant Loan on < 5 Family Dwelling for $35,000
      BENEFICIAL COMPANY LLC (IL):
    • Refinancing Originated for $184,000
    • Refinancing Denied for $185,000
      EQUITY ONE, INC. (NJ):
    • 3 Originated: 1 Conventional Home Purchase Loan for $46,000, 1 Refinancing for $62,000, 1 Non-occupant Loan on < 5 Family Dwelling for $62,000
      HFC COMPANY LLC (IL):
    • 5 Refinancings Denied for an average of $131,800
      THE CIT GROUP/CONSUMER FINANCE (NJ):
    • Refinancing denied for $119,000
      WELLS FARGO FIN'L AMERICA, INC (IA):
    • 2 Refinancings Denied for an average of $142,500
    • Home Improvement Loan Withdrawn for $6,000
      FIFTH THIRD MORTGAGE COMPANY (OH):
    • Refinancing Originated for $212,000
      CITIFINANCIAL SERVICES, INC. (MN):
    • Refinancing Denied for $44,000
      EQUIFIRST CORPORATION (NC):
    • Refinancing Closed for incompleteness for $110,000
      CITIFINANCIAL MORTGAGE COMPA (MD):
    • Refinancing denied for $65,000
      ASSOCIATES FINANCIAL SERVICES (TX):
    • 3 Refinancings originated for an average of $50,667
    • Conventional Home Purchase Loan Approved but not accepted for $4,000
      CITIFINANCIAL MORTGAGE COMPANY (TX):
    • 2 Refinancings Denied for an average of $92,500
    • Refinancing withdrawn for $21,000
      DECISION ONE MORTGAGE (IL):
    • Refinancing Denied for $96,000
      HSBC MORTGAGE SERVICES, INC. (IL):
    • Conventional Home Purchase Loan Denied for $129,000
      HFC COMPANY LLC (IL):
    • Refinancing Denied for $128,000
      E-LOAN INC (CA):
    • Refinancing originated for $87,000
    • 2 Applications denied: 1 Conventional Home Purchase for $230,000, 1 Refinancing for $116,000

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    Home Mortgage Disclosure Act Statistics for Clay County, Minnesota (MN), Zip Code 56525, Tract 0301.04 - Federal Deposit Insurance Corporation (FDIC)

      KLEINBANK (MN):
    • Conventional Home Purchase Loan originated for $220,000
      BANK OF THE WEST (CA):
    • Conventional Home Purchase Loan originated for $17,000
      FIRST BANK & TRUST (SD):
    • Refinancing Originated for $184,000
      DISCOVER BANK (DE):
    • Home Improvement Loan denied for $15,000
      SECURITY ST BK OF NORTH DAKOTA (ND):
    • Refinancing originated for $67,000
      WESTERN STATE BANK (ND):
    • Conventional Home Purchase Loan originated for $22,000
      CHOICE FINANCIAL GROUP (ND):
    • 2 Refinancings withdrawn for an average of $201,500
      MIDWEST BANK (MN):
    • Refinancing originated for $24,000
      NORTHWESTERN STATE BANK-ULEN (MN):
    • 8 Originated: 1 Conventional for $69,000, 5 Refinancings for an average of $68,200, 2 Home Improvement for an average of $8,000
      1ST INTERNATIONAL BANK & TRUST (ND):
    • 8 Originated: 3 FHA, FSA/RHS & VA Home Purchase Loans for an average of $71,333, 3 Conventional Home Purchase for an average of $85,667, 1 Home Improvement for $25,000, 1 Non-occupant Loan on < 5 Family Dwelling for $68,000
      STATE BANK OF HAWLEY (MN):
    • Conventional Home Purchase Loan originated for $40,000
      CORNERSTONE BANK (ND):
    • 2 Conventional Home Purchase Loans originated for an average of $52,500
    • 2 Conventional Home Purchase Loans Withdrawn for an average of $110,000
      BANK OF ENGLAND DBA ENG LENDIN (AR):
    • 2 Loans originated: 1 Conventional Home Purchase Loan for $165,000, 1 Refinancing for $138,000
      FIRST STATE BANK (ND):
    • Conventional Home Purchase Loan originated for $149,000
      NEW YORK COMMUNITY BANK (NY):
    • 3 Refinancings originated for an average of $172,667
      STATE BANK & TRUST (ND):
    • 6 Loans originated: 2 FHA, FSA/RHS & VA Home Purchase Loans for an average of $73,500, 3 Conventional Home Purchase for an average of $69,000, 1 Refinancing for $57,000
      UNION STATE BANK OF FARGO (ND):
    • Home Improvement Loan originated for $20,000
    • Conventional Home Purchase Loan withdrawn for $126,000
      BANK OF YORBA LINDA (CA):
    • Conventional Home Purchase Loan originated for $86,000
      FREMONT INVESTMENT & LOAN (CA):
    • Refinancing denied for $113,000
      CREDITAMERICA SAVINGS COMPANY (MN):
    • Conventional Home Purchase Loan denied for $36,000
      FRANKLIN BANK SSB (TX):
    • 2 Conventional Home Purchase Loans denied for an average of $95,000
      VOYAGER BANK (MN):
    • Refinancing originated for $105,000
      PREMIER BANK MINNESOTA (MN):
    • Conventional Home Purchase Loan originated for $158,000
      STARION FINANCIAL (ND):
    • Conventional Home Purchase Loan originated for $286,000
      STATE BANK OF MOOREAD (MN):
    • 3 Originated: 2 Conventional for an average of $81,500, 1 Refinancing for $115,000
    • Refinancing Withdrawn for $91,000
      CONSECO BANK, INC. (UT):
    • 3 Conventional Home Purchase Loans Denied for an average of $17,333
      THE BUSINESS BANK (MN):
    • Conventional Home Purchase Loan originated for $142,000
      GMAC BANK (UT):
    • Refinancing originated for $93,000
      VISIONBANK (ND):
    • Conventional Home Purchase Loan Withdrawn for $200,000
      GREENPOINT MORTGAGE FUNDING (NC):
    • Conventional Home Purchase Loan Withdrawn for $91,000
      GREENPOINT CREDIT, LLC (CA):
    • 3 Conventional Home Purchase Loans originated for an average of $15,333
    • Conventional Home Purchase Loan Denied for $30,000
      GREENPOINT CREDIT, LLC (CA):
    • 2 Conventional Home Purchase Loans Originated for an average of $45,000
    • Conventional Home Purchase Loan Denied for $21,000

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    Home Mortgage Disclosure Act Statistics for Clay County, Minnesota, Tract 0301.04 - Office of Thrift Supervision (OTS)

      GATE CITY BANK (ND):
    • 22 Loans originated: 5 FHA, FSA/RHS & VA Home Purchase Loans for an average of $80,000, 8 Conventional Home Purchase for an average of $63,250, 3 Refinancings for an average of $58,667, 6 Home Improvement Loans for an average of $15,500
    • 2 Denied loans: 1 FHA, FSA/RHS & VA Loan for $76,000, 1 Home Improvement for $15,000
    • 2 Withdrawn: 1 Conventional Home Purchase Loan for $35,000, 1 Refinancing for $36,000
      CITIBANK, FSB (VA):
    • Home Improvement Loan originated for $15,000
      MIDCOUNTRY BANK (IL):
    • Refinancing Withdrawn for $184,000
      M&I BANK FSB (NV):
    • Refinancing Denied for $130,000
      AMERICAN FEDERAL BANK (ND):
    • 13 Loans originated: 7 FHA, FSA/RHS & VA Home Purchase Loans for an average of $80,714, 4 Conventional Home Purchase for an average of $70,000, 1 Refinancing for $93,000, 1 Home Improvement for $10,000
    • FHA, FSA/RHS & VA Home Purchase Loan Denied for $83,000
      INDYMAC BANK, F.S.B. (CA):
    • Refinancing originated for $132,000
      AMTRUST BANK (OH):
    • 2 Refinancings Originated for an average of $151,000
    • Refinancing Closed for incompleteness for $99,000
      SOVEREIGN BANK (PA):
    • Home Improvement Loan originated for $25,000
      LEHMAN BROTHERS BANK, FSB (DE):
    • 2 Refinancings Originated for an average of $156,000
      DOWNEY SAVINGS AND LOAN (CA):
    • Refinancing denied for $88,000
      HOUSEHOLD BANK, F.S.B. (IL):
    • 4 Denied: 1 Refinancing for $25,000, 3 Home Improvement for an average of $5,000
      USAA FEDERAL SAVINGS BANK (TX):
    • Refinancing originated for $95,000
      CHEVY CHASE BANK, F.S.B. (VA):
    • 2 Applications withdrawn: 1 Refinancing for $74,000, 1 Non-occupant Loan on < 5 Family Dwelling for $74,000
      AMERICAN BANK (MD):
    • Refinancing Closed for incompleteness for $193,000
      FLAGSTAR BANK (MI):
    • Refinancing Originated for $129,000
      NETBANK FUNDINGS SERVICES (GA):
    • Conventional Home Purchase Loan originated for $152,000
      WASHINGTON MUTUAL BANK (NV):
    • 5 Originated: 3 Conventional Home Purchase for an average of $126,333, 2 Refinancings for an average of $91,000
    • 2 Refinancings approved - not accepted for an average of $126,000
    • 2 Denied: 1 Conventional Home Purchase for $206,000, 1 Non-occupant Loan on < 5 Family Dwelling for $206,000
      COLORADO FEDERAL SAVINGS BANK (CO):
    • 2 Refinancings Originated for an average of $150,500
      HOME LOAN INVESTMENT BANK (RI):
    • Refinancing Denied for $104,000
      MIDFIRST BANK (OK):
    • Home Improvement Loan withdrawn for $25,000
      PRINCIPAL BANK (IA):
    • Home Improvement Loan Approved , not accepted for $25,000
      CITICORP TRUST BANK, FSB (DE):
    • 2 Refinancings originated for an average of $81,500
    • Refinancing approved - not accepted for $74,000
      STATE FARM BANK (IL):
    • Refinancing originated for $164,000
      AIG FEDERAL SAVINGS BANK (DE):
    • Conventional Home Purchase Loan Denied for $88,000
      GE MONEY BANK (UT):
    • Refinancing denied for $192,000
    • Refinancing Withdrawn for $192,000
      EVERBANK (FL):
    • Refinancing Originated for $244,000
      GMAC BANK (DE):
    • Refinancing originated for $103,000
      ING BANK, FSB (DE):
    • 4 Denied loans: 3 Conventional for an average of $113,000, 1 Refinancing for $168,000
      COUNTRYWIDE BANK, FSB (VA):
    • 2 Originated: 1 Conventional Home Purchase for $156,000, 1 Refinancing for $70,000
      INTERVALE MORTGAGE (RI):
    • Refinancing originated for $31,000
    • Conventional Home Purchase Loan withdrawn for $28,000
      CITIFINANCIAL MTG CO, INC (TX):
    • Refinancing Closed for incompleteness for $84,000
      CITIMORTGAGE, INC. (MO):
    • Refinancing originated for $60,000
      CITIMORTGAGE, INC (MO):
    • Refinancing Originated for $86,000
    • Refinancing closed for incompleteness for $136,000
      ABNAMRO MTG. GROUP INC. (MI):
    • 3 Loans originated: 1 Conventional for $105,000, 2 Refinancings for an average of $97,500
      HOMEOWNERS MORTGAGE CORP. (MN):
    • Refinancing withdrawn for $205,000
      GB HOME EQUITY, LLC (WI):
    • Refinancing originated for $16,000
    • Home Improvement Loan denied for $15,000
      FIRST FRANKLIN CORPORATION (CA):
    • Refinancing Originated for $178,000
      RBMG, INC (SC):
    • 13 Loans originated: 2 FHA, FSA/RHS & VA for an average of $94,500, 3 Conventional Home Purchase for an average of $107,333, 8 Refinancings for an average of $120,125
    • Refinancing Approved - not accepted for $63,000
    • Conventional Home Purchase Loan Denied for $99,000
    • Refinancing closed for incompleteness for $80,000
      PRICELINE MORTGAGE COMPANY LLC (FL):
    • Refinancing denied for $48,000
      FINANCE AMERICA (NY):
    • Refinancing Denied for $90,000
      CORINTHIAN MORTGAGE CORP (MS):
    • Refinancing Closed for incompleteness for $25,000
      NORTH AMERICAN MORTGAGE CO (FL):
    • 3 Loans originated: 2 Conventional Home Purchase for an average of $38,500, 1 Refinancing for $152,000
    • 4 Approved applications, not accepted: 3 Conventional Home Purchase Loans for an average of $91,000, 1 Refinancing for $122,000
    • Refinancing Denied for $26,000
      GUARANTY RESIDENTIAL LENDING (TX):
    • Refinancing Denied for $92,000
      BNC MORTGAGE (NY):
    • Refinancing originated for $27,000

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    Home Mortgage Disclosure Act Statistics for Clay County, Minnesota, Tract 0301.04 - National Credit Union Administration (NCUA)

      PENTAGON FEDERAL CREDIT UNION (VA):
    • Refinancing Denied for $35,000
      NFCU (VA):
    • Conventional Home Purchase Loan originated for $113,000
      TWIN CITY CO-OPS FEDERAL CREDIT UNION (MN):
    • Conventional Home Purchase Loan denied for $250,000
      AFFINITY PLUS CREDIT UNION (MN):
    • Home Improvement Loan Originated for $14,000
      FIRST COMMUNITY CREDIT UNION - (ND):
    • Home Improvement Loan originated for $25,000
      TOWN & COUNTRY CREDIT UNION (ND):
    • 3 Originated: 1 FHA, FSA/RHS & VA for $104,000, 2 Refinancings for an average of $74,500
      PRIME FINANCIAL CREDIT UNION (WI):
    • 2 Originated: 1 Conventional Home Purchase for $19,000, 1 Loan On Manufactured Home Dwelling for $19,000
      CU MORTGAGE DIRECT, LLC (SD):
    • FHA, FSA/RHS & VA Home Purchase Loan Originated for $145,000

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    Statistics for Clay County, Minnesota, Tract 0301.04 - Department of Housing and Urban Development (HUD)

      GENERAL MORTGAGE FINANCE CORP. (MN):
    • Refinancing originated for $178,000
      AMERICAN BUSINESS FINANCIAL (PA):
    • 2 Refinancings Withdrawn for an average of $72,500
      MINNESOTA LENDING CO LLC (MN):
    • Refinancing originated for $165,000
      HOMELAND CAPITAL MORTGAGE (IN):
    • Conventional Home Purchase Loan approved, not accepted for $98,000
      MORTGAGE NETWORK INC (MA):
    • Conventional Home Purchase Loan Originated for $125,000
      ADVANCED FINANCIAL SERVICES IN (RI):
    • Refinancing Originated for $106,000
    • Refinancing denied for $22,000
      FIRST SOLUTION LENDING, INC. (MN):
    • Refinancing Denied for $112,000
      CALUSA INVESTMENTS, L.L.C. (VA):
    • Refinancing denied for $101,000
    • 2 Refinancings Withdrawn for an average of $150,000
      MERRILL LYNCH CREDIT CORP. (FL):
    • 3 Originated: 1 Conventional for $160,000, 2 Refinancings for an average of $307,000
      INFINITY FINANCIAL NETWORK (WA):
    • Refinancing Denied for $35,000
      LONG BEACH MORTGAGE CO. (WA):
    • Refinancing withdrawn for $93,000
      FULL SPECTRUM LENDING, INC. (CA):
    • 2 Refinancings withdrawn for an average of $40,000
    • Conventional Home Purchase Loan closed for incompleteness for $92,000
      TOWN & COUNTRY CREDIT (CA):
    • 2 Refinancings Denied for an average of $133,500
    • 5 Refinancings Withdrawn for an average of $140,600
      CENTENNIAL MORTGAGE & FUNDING (MN):
    • Refinancing Denied for $167,000
      FIRST CAPITAL FINANCIAL SERVICE (WI):
    • Refinancing Approved - not accepted for $94,000
      AURORA LOAN SERVICES (CO):
    • Refinancing approved - not accepted for $55,000
      CHALLENGE FINANCIAL INVESTORS (FL):
    • 2 Originated: 1 Conventional Home Purchase Loan for $129,000, 1 Non-occupant Loan on < 5 Family Dwelling for $129,000
      MSDW CREDIT CORPORATION (IL):
    • Refinancing Approved but not accepted for $71,000
      GSF MORTGAGE CORPORATION (WI):
    • 2 Refinancings Originated for an average of $151,500
      SOUTHSTAR FUNDING, LLC (GA):
    • Refinancing originated for $132,000
      PRIMARY RESIDENTIAL MORTGAGE (UT):
    • 3 Denied loans: 2 FHA, FSA/RHS & VA for an average of $110,500, 1 Refinancing for $91,000
      DECISION ONE MORTGAGE (NC):
    • 2 Refinancings Approved but not accepted for an average of $110,000
      STEWARD FINANCIAL, INC. (CA):
    • Refinancing Approved but not accepted for $32,000
      CUNA MUTUAL MORTGAGE CORPORATI (WI):
    • Refinancing Originated for $60,000
      E-LOAN, INC. (CA):
    • Refinancing approved but not accepted for $105,000
    • 4 Denied: 3 Refinancings for an average of $68,667, 1 Non-occupant Loan on < 5 Family Dwelling for $30,000
    • Refinancing withdrawn for $138,000
      MILLENNIA MORTGAGE CORPORATION (CA):
    • 3 Refinancings Withdrawn for an average of $42,667
      MORTGAGE IT (NY):
    • 2 Refinancings Denied for an average of $117,500
      NOVASTAR MORTGAGE, INC. (MO):
    • Conventional Home Purchase Loan withdrawn for $94,000
      FIRST NLC FINANCIAL SERVICES, (FL):
    • 2 Refinancings closed for incompleteness for an average of $90,000
      HOME123 CORPORATION (CA):
    • Home Improvement Loan Withdrawn for $135,000
      GMFS, LLC (LA):
    • Refinancing approved but not accepted for $53,000
      NOVASTAR HOME MORTGAGE, INC. (MO):
    • Refinancing Denied for $96,000
      PLAZA HOME MORTGAGE INC. (CA):
    • Refinancing Withdrawn for $243,000
      HOMEFIELD FINANCIAL, INC. (CA):
    • Refinancing Denied for $250,000
    • 3 Refinancings Withdrawn for an average of $97,667
      PARAGON HOME LENDING, LLC (WI):
    • Conventional Home Purchase Loan originated for $102,000
      AMERICAN RESIDENTIAL MORTGAGE (MN):
    • Conventional Home Purchase Loan originated for $137,000
      ALLEN MORTGAGE, LLC (AZ):
    • Refinancing Withdrawn for $94,000
      AMERICAN MORTGAGE NETWORK (CA):
    • 2 Refinancings Originated for an average of $115,000
      OAK STREET MORTGAGE (IN):
    • Refinancing Withdrawn for $30,000
      ENCORE CREDIT CORP (CA):
    • Refinancing originated for $83,000
      WILMINGTON FINANCE, INC. (PA):
    • Refinancing Denied for $93,000
      ARGENT MORTGAGE COMPANY (CA):
    • 4 Refinancings Originated for an average of $105,750
    • Refinancing Denied for $136,000
      AEGIS LENDING CORPORATION (TX):
    • Refinancing Originated for $83,000
    • Refinancing Withdrawn for $370,000
      FMF CAPITAL LLC (MI):
    • 2 Refinancings Approved , not accepted for an average of $60,500
      AMERICASH (CA):
    • Refinancing Originated for $112,000
      AMC MORTGAGE SERVICES, INC. (CA):
    • Refinancing Denied for $161,000
      GFS, INC. (OR):
    • 4 Loans originated: 1 Conventional Home Purchase for $26,000, 3 Refinancings for an average of $115,000
      FIRST RESIDENTIAL MORTGAGE (KY):
    • 3 Refinancings originated for an average of $118,000
    • Refinancing denied for $166,000
      SPECTRUM FUNDING CORPORATION (UT):
    • Refinancing Approved but not accepted for $97,000
      TMG REAL ESTATE AND FINANCIAL (KY):
    • Refinancing Withdrawn for $185,000
      BEAR STEARNS RESIDENTIAL MORTG (AZ):
    • 2 Refinancings originated for an average of $77,500
    • 2 Conventional Home Purchase Loans Withdrawn for an average of $72,500
      GREEN TREE SERVICING LLC (MN):
    • 2 Conventional Home Purchase Loans originated for an average of $49,000
    • Conventional Home Purchase Loan Approved , not accepted for $5,000
    • 8 Loans denied: 5 Conventional Home Purchase for an average of $37,200, 2 Refinancings for an average of $52,500, 1 Home Improvement Loan for $5,000
    • 3 Refinancings Withdrawn for an average of $16,000
      RESOURCE ONE CONSUMER DISCOUNT (PA):
    • Refinancing Denied for $128,000
      PHH HOME LOANS (NJ):
    • Conventional Home Purchase Loan Originated for $73,000
      JAMES B. NUTTER & CO. (MO):
    • Refinancing originated for $120,000
      AMERISAVE MORTGAGE CORPORATION (GA):
    • FHA, FSA/RHS & VA Home Purchase Loan originated for $177,000
      PHH MORTGAGE CORPORATION (NJ):
    • 3 Loans originated: 1 Conventional Home Purchase for $76,000, 2 Refinancings for an average of $62,500
      PINNFUND, USA (CA):
    • Conventional Home Purchase Loan originated for $83,000
      ASSOCIATES FINANCIAL SERVICES (TX):
    • 3 Loans originated: 1 Conventional for $54,000, 2 Refinancings for an average of $99,000
      HFC (IL):
    • Home Improvement Loan originated for $5,000
    • 2 Denied applications: 1 Refinancing for $145,000, 1 Home Improvement for $25,000
    • Home Improvement Loan withdrawn for $20,000
      MORGAN STANLEY CREDIT CORPORAT (IL):
    • 2 Refinancings denied for an average of $72,000
      MORTGAGE INVESTORS CORPORATION (FL):
    • Refinancing Withdrawn for $136,000
      AEGIS WHOLESALE CORPORATION (TX):
    • Refinancing Originated for $79,000
      LENDSOURCE, INC (MN):
    • Refinancing Denied for $128,000
      AVIZEN LENDING SOLUTIONS (MN):
    • 2 Originated: 1 Conventional for $84,000, 1 Refinancing for $120,000
    • Refinancing denied for $160,000
      GMAC MORTGAGE LLC (PA):
    • Refinancing originated for $69,000
      VANDERBILT MORTGAGE (TN):
    • Refinancing denied for $31,000
      BENEFICIAL (IL):
    • Refinancing Withdrawn for $130,000
      DECISION ONE MORTGAGE (NC):
    • Conventional Home Purchase Loan originated for $126,000
    • Refinancing Approved but not accepted for $90,000
      NFM, INC. (MD):
    • Refinancing originated for $269,000
      EMMCO, LLC (SC):
    • Refinancing Denied for $140,000
      ORIGEN FINANCIAL (MI):
    • 2 Loans denied: 1 Conventional Home Purchase for $29,000, 1 Loan On Manufactured Home Dwelling for $29,000
      HOME CAPITAL, INC. (GA):
    • Refinancing Withdrawn for $25,000
      HOMEGOLD, INC. (SC):
    • Refinancing originated for $77,000
    • 4 Refinancings Denied for an average of $92,250
    • 2 Refinancings Withdrawn for an average of $134,500
    • Refinancing closed for incompleteness for $93,000
      COUNTRYWIDE HOME LOANS (CA):
    • 3 Loans originated: 2 Conventional Home Purchase Loans for an average of $63,000, 1 Refinancing for $106,000
    • Refinancing Approved , not accepted for $70,000
    • 2 Files closed for incompleteness: 1 Conventional for $46,000, 1 Refinancing for $68,000
      FIRST MORTGAGE SERVICE INC (ND):
    • FHA, FSA/RHS & VA Home Purchase Loan originated for $77,000
      DELTA FUNDING CORPORATION (NY):
    • 2 Refinancings denied for an average of $114,500
      NATIONWIDE ADVANTAGE MORTGAGE (IA):
    • Refinancing Withdrawn for $53,000
      AMERICAN BENEFIT MORTGAGE, INC (CA):
    • Refinancing denied for $15,000
      21ST MORTGAGE CORPORATION (TN):
    • Conventional Home Purchase Loan denied for $11,000
      SHORE MORTGAGE (MI):
    • Refinancing Originated for $121,000
      ACCREDITED HOME LENDERS, INC (CA):
    • Refinancing denied for $28,000
      QUICKEN LOANS (MI):
    • Conventional Home Purchase Loan originated for $140,000
      CASTLE POINT MORTGAGE, INC. (MD):
    • Refinancing originated for $80,000
      PINNACLE FINANCIAL CORPORATION (FL):
    • Refinancing denied for $208,000
      HOME LOAN CORPORATION (TX):
    • 2 Home Improvement Loans originated for an average of $63,500
      REALTY MORTGAGE (MS):
    • Refinancing Originated for $156,000
      IMPAC FUNDING CORP (CA):
    • Refinancing Originated for $96,000
      LIME FINANCIAL SERVICES, LTD. (OR):
    • Refinancing Originated for $128,000
      MERIT FINANCIAL, INC (WA):
    • Refinancing Withdrawn for $27,000
      OCEAN WEST FUNDING (CA):
    • Refinancing approved, not accepted for $120,000
      LOANCITY (CA):
    • Refinancing Originated for $92,000
      CENTEX HOME EQUITY CORPORATION (TX):
    • 2 Refinancings withdrawn for an average of $60,500
      NATIONSTAR MORTGAGE LLC (TX):
    • Refinancing denied for $30,000
    • 3 Refinancings Withdrawn for an average of $71,000
      OAKWOOD ACCEPTANCE CORPORATION (NC):
    • Conventional Home Purchase Loan denied for $37,000
      CONTIMORTGAGE CORPORATION (PA):
    • Refinancing withdrawn for $76,000
      FREEDOM MORTGAGE CORP. (NJ):
    • Refinancing Withdrawn for $72,000
      FIRST GUARANTY MORTGAGE COPR (VA):
    • Refinancing Withdrawn for $123,000
      F M MORTGAGE CORPORATION (ND):
    • Refinancing originated for $131,000
      PRINCIPAL RESIDENTIAL MORTGAGE (IA):
    • 3 Conventional Home Purchase Loans originated for an average of $90,667
    • FHA, FSA/RHS & VA Home Purchase Loan withdrawn for $87,000
      SUMMIT MORTGAGE CORPORATION (MN):
    • Refinancing Originated for $177,000
    • Refinancing Denied for $209,000
      H&R BLOCK MORTGAGE CORPORATION (CA):
    • Refinancing originated for $80,000
      OPTION ONE MORTGAGE CORP (CA):
    • Conventional Home Purchase Loan Originated for $75,000
    • Conventional Home Purchase Loan approved - not accepted for $93,000
    • 2 Loans denied: 1 Conventional Home Purchase Loan for $93,000, 1 Non-occupant Loan on < 5 Family Dwelling for $93,000
      RBMG, INC. (SC):
    • 4 Loans originated: 1 FHA, FSA/RHS & VA for $73,000, 2 Conventional Home Purchase for an average of $106,000, 1 Refinancing for $45,000
      SECURITY ATLANTIC WHOLESALE (NJ):
    • Refinancing Originated for $183,000
      RIVER CITY MORTGAGE & FINANCIA (MN):
    • Conventional Home Purchase Loan originated for $125,000
      AMERICAN HOME MORTGAGE CORP. (NY):
    • Conventional Home Purchase Loan originated for $106,000
      AMERIQUEST MORTGAGE COMPANY (CA):
    • Refinancing Originated for $27,000
    • Refinancing Withdrawn for $56,000
    • 2 Refinancings closed for incompleteness for an average of $70,000
      MILA, INC (WA):
    • Refinancing Approved but not accepted for $108,000
    • 2 Refinancings denied for an average of $117,500
      FRANKLIN AMERICAN MORTGAGE CO (TN):
    • Refinancing originated for $30,000
      PROVIDENT FUNDING ASSOCIATES (CA):
    • 2 Originated: 1 Conventional Home Purchase for $360,000, 1 Refinancing for $136,000
      BNC MORTGAGE (CA):
    • Refinancing denied for $232,000
      FIELDSTONE MORTGAGE COMPANY (MD):
    • Conventional Home Purchase Loan Denied for $128,000
      NEW CENTURY MORTGAGE CORPORATI (CA):
    • Refinancing denied for $46,000
      HOMECOMINGS FINANCIAL LLC (MN):
    • 2 Refinancings Approved , not accepted for an average of $214,000
      IFREEDOM DIRECT CORPORATION (UT):
    • Refinancing originated for $88,000
      SAXON MORTGAGE (VA):
    • 4 Denied loans: 3 Refinancings for an average of $56,333, 1 Home Improvement for $70,000
    • Refinancing withdrawn for $152,000
      MORTGAGE ONE, INC. (IA):
    • 4 Loans originated: 2 Conventional Home Purchase Loans for an average of $94,500, 2 Refinancings for an average of $73,000
    • Refinancing denied for $80,000
    • Conventional Home Purchase Loan Withdrawn for $38,000
      FIRST MAGNUS FINANCIAL CORP (AZ):
    • Conventional Home Purchase Loan originated for $120,000
      BELL AMERICA MORTGAGE LLC DBA (MN):
    • 5 Loans originated: 1 Conventional Home Purchase for $90,000, 3 Refinancings for an average of $124,000, 1 Non-occupant Loan on < 5 Family Dwelling for $90,000
    • Conventional Home Purchase Loan Withdrawn for $70,000
      AMERICAN MORTGAGE SPECIALISTS (AZ):
    • Refinancing Originated for $156,000
      BW MORTGAGE, LLC (CA):
    • Refinancing Originated for $112,000

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