Top North St. Paul, MN Mortgage Lenders

RankNorth St. Paul Mortgage LenderNorth St. Paul Home Loans ProcessedNorth St. Paul Home Loans ApprovedNorth St. Paul Home Loans DeniedNorth St. Paul Mortgage Median Loan to Income Ratio (LTR) for Approved LoansNorth St. Paul Mortgage Median LTR for Denied Loans
1Wells Fargo Bank 1,034 66%14%
  • 229%
  • (170,000 Loan / $74,000 Income)
  • 258%
  • (225,000 Loan / $87,000 Income)
2Tcf National Bank 238 34%42%
  • 197%
  • (79,000 / $40,000)
  • 338%
  • (210,000 / $62,000)
3Jpmorgan Chase Bank 236 91%5%
  • 206%
  • (120,000 / $58,000)
  • 251%
  • (201,000 / $80,000)
4Us Bank 234 77%14%
  • 227%
  • (180,000 / $79,000)
  • 287%
  • (184,000 / $64,000)
5St. Paul Postal Employees Cu 185 77%14%
  • 187%
  • (150,000 / $80,000)
  • 223%
  • (134,000 / $60,000)
6Citimortgage 166 78%7%
  • 274%
  • (148,000 / $54,000)
  • 179%
  • (140,000 / $78,000)
7Bank Of America 154 79%12%
  • 244%
  • (208,000 / $85,000)
  • 252%
  • (53,000 / $21,000)
8Countrywide Bank Fsb 144 71%15%
  • 282%
  • (130,000 / $46,000)
  • 400%
  • (220,000 / $55,000)
9Affinity Plus Federal Credit U 128 60%3%
  • 144%
  • (120,000 / $83,000)
  • 394%
  • (150,000 / $38,000)
10Wells Fargo Funding 126 97%1%
  • 167%
  • (122,000 / $73,000)
  • 229%
  • (181,000 / $79,000)
11Phh Home Loans 119 86%5%
  • 298%
  • (152,000 / $51,000)
  • 320%
  • (128,000 / $40,000)
12Us Bk Na Nd 102 43%45%
  • 132%
  • (53,000 / $40,000)
  • 210%
  • (208,000 / $99,000)
13Citibank 94 73%10%
  • 183%
  • (57,000 / $31,000)
  • 113%
  • (115,000 / $101,000)
14Hiway Federal Credit Union 82 74%6%
  • 154%
  • (48,000 / $31,000)
  • 14%
  • (8,000 / $55,000)
15Bell America Mortgage Llc Dba 80 71%2%
  • 310%
  • (177,000 / $57,000)
  • 336%
  • (101,000 / $30,000)
16Countrywide Home Loans 79 83%12%
  • 280%
  • (264,000 / $94,000)
  • 282%
  • (130,000 / $46,000)
17Mortgage Guaranty Insurance Co 75 72%8%
  • 290%
  • (320,000 / $110,000)
  • 396%
  • (99,000 / $25,000)
18C.U. Mortgage Services, 72 56%8%
  • 182%
  • (155,000 / $85,000)
  • 376%
  • (196,000 / $52,000)
19The Business Bank 70 94%2%
  • 250%
  • (170,000 / $68,000)
  • 369%
  • (96,000 / $26,000)
20United Guaranty Corporation 68 73%2%
  • 288%
  • (286,000 / $99,000)
  • 450%
  • (171,000 / $38,000)

North St. Paul, MN Mortgage Home Loan Summary Data & Statistics

  1. Loan Applications Processed: 5,849
  2. Loan Applications Denied: 969
  3. % of Loan Applications Denied: 16
  4. # of Loan Originations: 3,854
  5. % of Loan Applications Originated 65

North St. Paul, MN Home Loan Application Denied Reasons

Denied Reason % of All Denied Applications
Collateral12
Credit history10
Debt-to-income ratio9
Credit application incomplete3
Unverifiable information2

North St. Paul, 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 - $100,0001,286 6517
$100,000 - $300,0004,356 6515
$300,000 - $500,000201 5122
$500,000 - $1,000,0006 066

North St. Paul, 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 - $100,0004,843 6517
$100,000 - $300,000978 6413
$300,000 - $500,00017 6417
$500,000 - $1,000,0006 6616
$1,000,000 - $1,500,0004 500
> $2,000,0001 1000

Loan to Income Ratios Research for Mortgage in North St. Paul, 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%23357 26
30 - 60%25462 19
60 - 100%36667 16
100 - 200%1,30768 11
200 - 300%1,69769 12
300 - 400%1,17863 18
> 400%81454 26

North St. Paul, 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 Dwelling5,639 6516
Not Owner-Occupied As A Principal Dwelling197 6718
Not Applicable1 1000

Home Owner Property Type Statistics in North St. Paul, 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)5,483 6517
One To Four-Family352 775
Manufactured Housing14 771
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