Top St. Joseph, MN Mortgage Lenders

RankSt. Joseph Mortgage LenderSt. Joseph Home Loans ProcessedSt. Joseph Home Loans ApprovedSt. Joseph Home Loans DeniedSt. Joseph Mortgage Median Loan to Income Ratio (LTR) for Approved LoansSt. Joseph Mortgage Median LTR for Denied Loans
1Wells Fargo Bank 726 75%9%
  • 193%
  • (417,000 Loan / $215,000 Income)
  • 200%
  • (6,000 Loan / $3,000 Income)
2Liberty Savings Bank Fsb 570 95%1%
  • 236%
  • (104,000 / $44,000)
  • 233%
  • (196,000 / $84,000)
3Bremer Bank Na (St Cloud) 283 86%3%
  • 196%
  • (49,000 / $25,000)
  • 61%
  • (11,000 / $18,000)
4Jpmorgan Chase Bank 282 87%10%
  • 257%
  • (175,000 / $68,000)
  • 296%
  • (92,000 / $31,000)
5Us Bank 203 77%11%
  • 197%
  • (251,000 / $127,000)
  • 294%
  • (174,000 / $59,000)
6Phh Mortgage Corporation 165 92%1%
  • 215%
  • (211,000 / $98,000)
  • 428%
  • (210,000 / $49,000)
7Suntrust Mortgage 132 91%5%
  • 215%
  • (129,000 / $60,000)
  • 317%
  • (340,000 / $107,000)
8Citimortgage 123 74%8%
  • 231%
  • (146,000 / $63,000)
  • 382%
  • (180,000 / $47,000)
9Affinity Plus Federal Credit U 121 72%2%
  • 158%
  • (146,000 / $92,000)
  • 461%
  • (97,000 / $21,000)
10Bank Of America 113 84%7%
  • 259%
  • (174,000 / $67,000)
  • 303%
  • (97,000 / $32,000)
11Mortgage Guaranty Insurance Co 90 81%3%
  • 244%
  • (237,000 / $97,000)
  • 158%
  • (163,000 / $103,000)
12Bankvista 86 90%4%
  • 214%
  • (417,000 / $194,000)
  • 290%
  • (119,000 / $41,000)
13Central Minnesota Cu 80 62%13%
  • 183%
  • (110,000 / $60,000)
  • 207%
  • (139,000 / $67,000)
14Central Mn Cu 77 55%10%
  • 232%
  • (170,000 / $73,000)
  • 271%
  • (122,000 / $45,000)
15Stearns Bank Na 70 84%4%
  • 225%
  • (196,000 / $87,000)
  • 381%
  • (210,000 / $55,000)
16Us Bk Na Nd 68 52%25%
  • 137%
  • (109,000 / $79,000)
  • 142%
  • (100,000 / $70,000)
17Wells Fargo Funding 61 100%0%
  • 206%
  • (417,000 / $202,000)
0
18Citibank 60 55%23%
  • 170%
  • (213,000 / $125,000)
  • 147%
  • (142,000 / $96,000)
19St. Cloud Federal Credit Union 59 93%5%
  • 132%
  • (140,000 / $106,000)
  • 90%
  • (10,000 / $11,000)
20Plaza Park State Bank 59 72%15%
  • 81%
  • (922,000 / $1,129,000)
  • 250%
  • (175,000 / $70,000)

St. Joseph, MN Mortgage Home Loan Summary Data & Statistics

  1. Loan Applications Processed: 5,196
  2. Loan Applications Denied: 567
  3. % of Loan Applications Denied: 10
  4. # of Loan Originations: 3,943
  5. % of Loan Applications Originated 75

St. Joseph, MN Home Loan Application Denied Reasons

Denied Reason % of All Denied Applications
Collateral12
Debt-to-income ratio10
Credit history7
Credit application incomplete2
Unverifiable information1

St. Joseph, 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 - $100,0001,256 7311
$100,000 - $300,0003,621 7610
$300,000 - $500,000285 6917
$500,000 - $1,000,00034 702

St. Joseph, 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 - $100,0004,104 7411
$100,000 - $300,000992 787
$300,000 - $500,00061 844
$500,000 - $1,000,00031 836
$1,000,000 - $1,500,0004 1000
$1,500,000 - $2,000,0001 1000
> $2,000,0003 660

Loan to Income Ratios Research for Mortgage in St. Joseph, 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%17767 15
30 - 60%23277 12
60 - 100%40378 8
100 - 200%1,41878 7
200 - 300%1,57677 8
300 - 400%85174 10
> 400%53960 26

St. Joseph, 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 Dwelling4,971 7510
Not Owner-Occupied As A Principal Dwelling212 7810
Not Applicable5 1000

Home Owner Property Type Statistics in St. Joseph, 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)4,891 7511
One To Four-Family251 823
Manufactured Housing54 5725
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