Top St. Rosa, MN Mortgage Lenders

RankSt. Rosa Mortgage LenderSt. Rosa Home Loans ProcessedSt. Rosa Home Loans ApprovedSt. Rosa Home Loans DeniedSt. Rosa Mortgage Median Loan to Income Ratio (LTR) for Approved LoansSt. Rosa Mortgage Median LTR for Denied Loans
1Wells Fargo Bank 415 68%13%
  • 204%
  • (125,000 Loan / $61,000 Income)
  • 232%
  • (286,000 Loan / $123,000 Income)
2Central Minnesota Cu 171 85%4%
  • 201%
  • (113,000 / $56,000)
  • 171%
  • (60,000 / $35,000)
3North Shore Bank Of Commerce 162 81%7%
  • 205%
  • (360,000 / $175,000)
  • 305%
  • (220,000 / $72,000)
4Central Mn Cu 145 72%11%
  • 186%
  • (69,000 / $37,000)
  • 279%
  • (120,000 / $43,000)
5Jpmorgan Chase Bank 125 84%11%
  • 282%
  • (79,000 / $28,000)
  • 345%
  • (228,000 / $66,000)
6Us Bank 123 82%10%
  • 258%
  • (168,000 / $65,000)
  • 392%
  • (98,000 / $25,000)
7Bank Of America 79 78%11%
  • 208%
  • (104,000 / $50,000)
  • 243%
  • (161,000 / $66,000)
8Phh Mortgage Corporation 59 84%3%
  • 249%
  • (417,000 / $167,000)
  • 278%
  • (284,000 / $102,000)
9Countrywide Bank Fsb 57 77%10%
  • 203%
  • (228,000 / $112,000)
  • 297%
  • (104,000 / $35,000)
10Freeport State Bank 51 76%15%
  • 169%
  • (217,000 / $128,000)
  • 249%
  • (152,000 / $61,000)
11Citimortgage 50 82%10%
  • 278%
  • (114,000 / $41,000)
  • 397%
  • (135,000 / $34,000)
12Radian Guaranty 45 88%2%
  • 294%
  • (115,000 / $39,000)
  • 597%
  • (209,000 / $35,000)
13Liberty Savings Bank Fsb 45 97%0%
  • 195%
  • (119,000 / $61,000)
0
14Genworth Mortgage Insurance Co 42 78%0%
  • 308%
  • (151,000 / $49,000)
0
15Us Bk Na Nd 40 42%45%
  • 122%
  • (70,000 / $57,000)
  • 248%
  • (77,000 / $31,000)
16Mortgage Guaranty Insurance Co 36 77%2%
  • 270%
  • (222,000 / $82,000)
  • 298%
  • (263,000 / $88,000)
17Countrywide Home Loans 36 88%2%
  • 178%
  • (82,000 / $46,000)
  • 42%
  • (41,000 / $96,000)
18Us Bank North Dakota 35 40%42%
  • 116%
  • (125,000 / $107,000)
  • 140%
  • (83,000 / $59,000)
19Affinity Plus Federal Credit U 35 77%0%
  • 158%
  • (46,000 / $29,000)
0
20Duluth Teachers Credit Union 33 87%6%
  • 68%
  • (66,000 / $96,000)
  • 196%
  • (210,000 / $107,000)

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

  1. Loan Applications Processed: 2,683
  2. Loan Applications Denied: 368
  3. % of Loan Applications Denied: 13
  4. # of Loan Originations: 1,905
  5. % of Loan Applications Originated 71

St. Rosa, MN Home Loan Application Denied Reasons

Denied Reason % of All Denied Applications
Collateral10
Debt-to-income ratio9
Credit history7
Credit application incomplete3
Unverifiable information1

St. Rosa, 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 - $100,000727 6915
$100,000 - $300,0001,789 7012
$300,000 - $500,000156 6717
$500,000 - $1,000,00011 729

St. Rosa, 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 - $100,0002,106 6814
$100,000 - $300,000533 769
$300,000 - $500,00036 858
$500,000 - $1,000,0008 870

Loan to Income Ratios Research for Mortgage in St. Rosa, 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%8983 7
30 - 60%13269 17
60 - 100%21075 10
100 - 200%69973 11
200 - 300%75472 11
300 - 400%47567 14
> 400%32455 25

St. Rosa, 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 Dwelling2,527 7014
Not Owner-Occupied As A Principal Dwelling148 787
Not Applicable3 1000

Home Owner Property Type Statistics in St. Rosa, 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)2,463 7014
One To Four-Family165 782
Manufactured Housing55 6121
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