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Crow Wing County Recorder's office now processing mortgages

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news Brainerd, 56401
Brainerd MN 506 James St. / PO Box 974 56401

On May 1, the Crow Wing County recorder’s office teamed up with the county auditor-treasurer’s office to begin processing mortgage registration tax on individual mortgages and modification of mortgages.

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Mortgage Registration Tax (MRT) is a tax based on the amount of debt secured by real property in Minnesota. The mortgagor or borrower pays this tax when a mortgage is recorded in a Minnesota county. Historically, it is the responsibility of the county treasurer’s office to calculate and collect the tax.

Earlier this year, the county recorder’s office sponsored a lean continuous improvement process also referred to as a kaizen event.

Kaizen is a Japanese term that means to change for the good of all. It’s a term that is often used as “continuous improvement.” County staff from both the recorder’s and auditor-treasurer’s office examined the current document recording process and brainstormed ideas on how to make the process more efficient. One of those ideas was for the county recorder’s office to begin processing mortgage registration tax on mortgages and modification of mortgages.

A typical mortgage document is first reviewed by the county recorder’s office to ensure it meets Minnesota statutes for recordability, it then travels to the county auditor-treasurer’s office where the mortgage registration tax is collected and finally it returns to the county recorder’s office where it is recorded.

“This is a win-win situation for everyone,” said Crow Wing County Deputy Recorder Doug Hansen, in a news release, “A great example of a collaborative effort where the results created a more efficient process, better customer service and freed up staff time to focus on their other responsibilities.”

In 2013, more than 5,700 documents or about 25 percent of the total documents recorded in the recorder’s office were reviewed by the auditor-treasurer’s office for mortgage registration tax.

The recorder’s office records and processes more than 20,000 documents

each year totaling in excess of a half a million dollars in fees.

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