Adams County, ND Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 71 mortgage applications in Adams County, ND totaling $8.2 million, down 24% from 2008. The average application was for $114,000, and applicants reported an average income of $96,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was Dacotah Bank, with 21 applications, followed by Gate City Bank and Wells Fargo Bank, NA.
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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 | 71 |
| Total Mortgage Loan Application Amount | $8,161,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $2,312,000 |
| 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 |
* | $ 1,585,164,000 | 21 | $ 1,597,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,038,359,000 | 10 | $ 809,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 7 | $ 669,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 4 | $ 341,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 359,621,000 | 3 | $ 383,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 333,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 333,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 285,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 2 | $ 107,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 204,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 33,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 110,793,000 | 1 | $ 136,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 99,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 1 | $ 54,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 14,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 30,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 112,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 84,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 1 | $ 1,585,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 135,000 |
The tables below break down 2009 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 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 49 | $4,956,000 | $101,000 | $359,000 | $53,000 | $240,000 |
| Home Purchase | 13 | $2,897,000 | $222,000 | $1,585,000 | $242,000 | $2,312,000 |
| Home Improvement | 9 | $308,000 | $34,000 | $75,000 | $119,000 | $233,000 |
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 | $6,747,000 | $116,000 | $1,585,000 | $106,000 | $2,312,000 |
| Not applicable | 8 | $853,000 | $106,000 | $135,000 | $27,000 | $114,000 |
| Not Provided | 4 | $507,000 | $126,000 | $233,000 | $111,000 | $240,000 |
| Hispanic | 1 | $54,000 | $54,000 | $54,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 54 | $6,025,000 | $111,000 | $1,585,000 | $113,000 | $2,312,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,086,000 | $120,000 | $168,000 | $53,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 6 | $721,000 | $120,000 | $135,000 | $19,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $329,000 | $164,000 | $189,000 | $55,000 | $71,000 |
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 | 45 | $5,365,000 | $119,000 | $1,585,000 | $115,000 | $2,312,000 |
| Loan Purchased By The Institution | 12 | $1,194,000 | $99,000 | $135,000 | $44,000 | $114,000 |
| Application Denied By Financial Institution | 7 | $770,000 | $110,000 | $359,000 | $58,000 | $148,000 |
| Application Approved But Not Accepted | 4 | $534,000 | $133,000 | $233,000 | $107,000 | $240,000 |
| Application Withdrawn By Applicant | 2 | $130,000 | $65,000 | $95,000 | $120,000 | $128,000 |
| File Closed For Incompleteness | 1 | $168,000 | $168,000 | $168,000 | $66,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $461,000 | $230,000 | $359,000 | $96,000 | $148,000 |
| Credit History | 1 | $30,000 | $30,000 | $30,000 | $65,000 | $65,000 |
| Debt-To-Income Ratio | 1 | $84,000 | $84,000 | $84,000 | $24,000 | $24,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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