Adams County, ND Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 72 mortgage applications in Adams County, ND totaling $4.5 million, down 26% from 2005. The average application was for $62,000, and applicants reported an average income of $59,000. 67% of applications resulted in an originated loan and 10% were denied. The most active lender was Dacotah Bank, with 27 applications, followed by Gate City Bank and Suntrust Mortgage, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 72 |
| Total Mortgage Loan Application Amount | $4,526,000 |
| Average Mortgage Loan Application Amount | $62,000 |
| Highest Mortgage Loan Application Amount | $234,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $218,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,165,210,000 | 27 | $ 1,818,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 822,369,000 | 15 | $ 884,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 5 | $ 332,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 2 | $ 102,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 90,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 2 | $ 112,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 36,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 21,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 72,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,753,483,000 | 1 | $ 29,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 37,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 1 | $ 21,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 35,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,453,449,000 | 1 | $ 72,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 98,525,000 | 1 | $ 26,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 87,185,000 | 1 | $ 128,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 536,513,000 | 1 | $ 65,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 4,537,484,000 | 1 | $ 80,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 109,000 |
The tables below break down 2006 mortgage applications in Adams County, ND by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Adams County, ND in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 39 | $2,432,000 | $62,000 | $220,000 | $48,000 | $146,000 |
| Refinancing | 23 | $1,539,000 | $66,000 | $234,000 | $70,000 | $218,000 |
| Home Improvement | 10 | $555,000 | $55,000 | $125,000 | $81,000 | $125,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 58 | $3,588,000 | $61,000 | $234,000 | $66,000 | $218,000 |
| Not applicable | 12 | $779,000 | $64,000 | $129,000 | $27,000 | $64,000 |
| Not Provided | 2 | $159,000 | $79,000 | $109,000 | $60,000 | $92,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 67 | $4,040,000 | $60,000 | $220,000 | $59,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $342,000 | $114,000 | $234,000 | $85,000 | $218,000 |
| FHA-insured (Federal Housing Administration) | 2 | $144,000 | $72,000 | $72,000 | $22,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 48 | $3,230,000 | $67,000 | $234,000 | $69,000 | $218,000 |
| Loan Purchased By The Institution | 10 | $577,000 | $57,000 | $129,000 | $27,000 | $64,000 |
| Application Denied By Financial Institution | 7 | $304,000 | $43,000 | $70,000 | $43,000 | $100,000 |
| Application Approved But Not Accepted | 5 | $314,000 | $62,000 | $125,000 | $70,000 | $125,000 |
| File Closed For Incompleteness | 2 | $101,000 | $50,000 | $72,000 | $35,000 | $54,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $69,000 | $34,000 | $48,000 | $57,000 | $96,000 |
| Debt-To-Income Ratio | 1 | $40,000 | $40,000 | $40,000 | $13,000 | $13,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $100,000 | $100,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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