Top Crystal Bay, MN Mortgage Lenders

RankCrystal Bay Mortgage LenderCrystal Bay Home Loans ProcessedCrystal Bay Home Loans ApprovedCrystal Bay Home Loans DeniedCrystal Bay Mortgage Median Loan to Income Ratio (LTR) for Approved LoansCrystal Bay Mortgage Median LTR for Denied Loans
1Wells Fargo Bank 346 66%15%
  • 181%
  • (318,000 Loan / $175,000 Income)
  • 159%
  • (59,000 Loan / $37,000 Income)
2Citimortgage 104 73%9%
  • 265%
  • (210,000 / $79,000)
  • 418%
  • (92,000 / $22,000)
3Phh Mortgage Corporation 72 80%8%
  • 223%
  • (150,000 / $67,000)
  • 300%
  • (93,000 / $31,000)
4Jpmorgan Chase Bank 70 81%14%
  • 219%
  • (158,000 / $72,000)
  • 322%
  • (116,000 / $36,000)
5Countrywide Bank Fsb 48 81%12%
  • 208%
  • (152,000 / $73,000)
  • 229%
  • (417,000 / $182,000)
6Us Bank 47 76%14%
  • 197%
  • (249,000 / $126,000)
  • 189%
  • (87,000 / $46,000)
7Countrywide Home Loans 33 75%18%
  • 282%
  • (215,000 / $76,000)
  • 164%
  • (145,000 / $88,000)
8Bank Of America 31 70%22%
  • 148%
  • (74,000 / $50,000)
  • 416%
  • (125,000 / $30,000)
9Affinity Plus Federal Credit U 31 70%12%
  • 132%
  • (165,000 / $125,000)
  • 207%
  • (79,000 / $38,000)
10Citibank 28 50%39%
  • 122%
  • (109,000 / $89,000)
  • 120%
  • (114,000 / $95,000)
11North Shore Bank Of Commerce 27 77%7%
  • 147%
  • (417,000 / $282,000)
  • 458%
  • (417,000 / $91,000)
12Beneficial Company Llc 27 14%74%
  • 52%
  • (45,000 / $85,000)
  • 140%
  • (97,000 / $69,000)
13Abn Amro Mtg Group Inc 25 72%4%
  • 245%
  • (81,000 / $33,000)
  • 165%
  • (280,000 / $169,000)
14Guild Mortgage Company 23 91%4% 0
  • 91%
  • (80,000 / $87,000)
15Delta Funding Corporation 23 13%21%
  • 408%
  • (102,000 / $25,000)
  • 255%
  • (133,000 / $52,000)
16Flagstar Bank 20 35%25%
  • 277%
  • (97,000 / $35,000)
  • 291%
  • (195,000 / $67,000)
17Mortgage Guaranty Insurance Co 18 66%5%
  • 218%
  • (236,000 / $108,000)
  • 171%
  • (238,000 / $139,000)
18Gmac Mortgage Llc 18 16%22%
  • 176%
  • (300,000 / $170,000)
  • 295%
  • (142,000 / $48,000)
19United Guaranty Corporation 17 76%5%
  • 225%
  • (304,000 / $135,000)
  • 123%
  • (57,000 / $46,000)
20Radian Guaranty 17 64%0%
  • 212%
  • (85,000 / $40,000)
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Crystal Bay, MN Mortgage Home Loan Summary Data & Statistics

  1. Loan Applications Processed: 1,658
  2. Loan Applications Denied: 300
  3. % of Loan Applications Denied: 18
  4. # of Loan Originations: 1,055
  5. % of Loan Applications Originated 63

Crystal Bay, MN Home Loan Application Denied Reasons

Denied Reason % of All Denied Applications
Collateral16
Debt-to-income ratio8
Credit history7
Credit application incomplete3
Unverifiable information2

Crystal Bay, MN Mortgage Loans Processed & Denied Applications by Loan Amount

Loan Amount Category Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
$0 - $100,000539 5620
$100,000 - $300,000900 6716
$300,000 - $500,000201 6118
$500,000 - $1,000,00018 3338

Crystal Bay, MN Home Loans Processed & Denied Applications by Income Level

Income Levels Category Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
$0 - $100,0001,134 6019
$100,000 - $300,000449 6913
$300,000 - $500,00052 5521
$500,000 - $1,000,00017 755
$1,000,000 - $1,500,0002 5050
$1,500,000 - $2,000,0002 1000
> $2,000,0002 5050

Loan to Income Ratios Research for Mortgage in Crystal Bay, MN

Loan to Income Ratio (Loan Amount as a Percentage of Income Levels) Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
0 - 30%5557 23
30 - 60%8262 19
60 - 100%15666 16
100 - 200%52664 16
200 - 300%44564 16
300 - 400%21159 19
> 400%18357 24

Crystal Bay, MN Home Owner Occupancy Type Mortgage Data

Owner Occupancy Name Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
Owner-Occupied As A Principal Dwelling1,283 6218
Not Owner-Occupied As A Principal Dwelling359 6815
Not Applicable2 00

Home Owner Property Type Statistics in Crystal Bay, MN for Home Loans

Property Type Name Number of Loan Applications Processed % of Loans Originated % of Loan Applications Denied
One-To-Four Family Dwelling (Other Than Manufactured Housing)1,513 6418
One To Four-Family101 671
Manufactured Housing44 3643
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