Barnes County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 414 mortgage applications in Barnes County, ND totaling $45.1 million, down 3% from 2012. The average application was for $108,000, and applicants reported an average income of $67,000. 66% of applications resulted in an originated loan and 12% were denied. The most active lender was Bank Forward, with 68 applications, followed by Wells Fargo Bank NA and First Community Credit Union.
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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 | 414 |
| Total Mortgage Loan Application Amount | $45,108,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $443,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 476,954,000 | 68 | $ 7,395,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 61 | $ 6,513,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 433,610,000 | 60 | $ 5,565,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,060,324,000 | 43 | $ 4,440,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 27 | $ 3,366,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 10 | $ 1,061,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 589,329,000 | 10 | $ 711,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 976,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 929,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 7 | $ 755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,124,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 726,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,608,821,000 | 5 | $ 598,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 530,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 437,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 4 | $ 604,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 584,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 320,442,000 | 4 | $ 349,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 3 | $ 346,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 3 | $ 318,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 309,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,685,770,000 | 3 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 399,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 3 | $ 406,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 990,471,000 | 2 | $ 119,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 134,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 2 | $ 392,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,305,309,000 | 2 | $ 181,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 978,576,000 | 1 | $ 44,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 576,362,000 | 1 | $ 249,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 177,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 13,000 |
| Cuso Mortgage, Inc. 5601 E LA PALMA AVENUE ANAHEIM, CA 92807 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,603,153,000 | 1 | $ 176,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 478,049,000 | 1 | $ 85,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 64,029,000 | 1 | $ 48,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 327,572,000 | 1 | $ 34,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 231,088,000 | 1 | $ 23,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 137,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 135,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 166,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 246,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 1 | $ 22,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 2,308,229,000 | 1 | $ 160,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 147,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 73,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 44,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 71,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 113,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 135,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 79,537,000 | 1 | $ 68,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 171,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 135,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 81,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 70,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 259,175,000 | 1 | $ 214,000 |
The tables below break down 2013 mortgage applications in Barnes 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 Barnes County, ND in 2013
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 | 199 | $21,915,000 | $110,000 | $406,000 | $70,000 | $443,000 |
| Home Purchase | 157 | $19,406,000 | $123,000 | $585,000 | $57,000 | $432,000 |
| Home Improvement | 58 | $3,787,000 | $65,000 | $250,000 | $84,000 | $207,000 |
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 | 327 | $35,701,000 | $109,000 | $415,000 | $75,000 | $443,000 |
| Not applicable | 54 | $6,337,000 | $117,000 | $585,000 | $15,000 | $152,000 |
| Not Provided | 30 | $2,816,000 | $93,000 | $234,000 | $72,000 | $207,000 |
| Hispanic | 2 | $137,000 | $68,000 | $124,000 | $67,000 | $96,000 |
| Asian | 1 | $117,000 | $117,000 | $117,000 | $55,000 | $55,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 333 | $35,729,000 | $107,000 | $585,000 | $72,000 | $443,000 |
| FHA-insured (Federal Housing Administration) | 38 | $4,505,000 | $118,000 | $246,000 | $44,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,561,000 | $106,000 | $171,000 | $44,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,313,000 | $121,000 | $181,000 | $45,000 | $120,000 |
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 | 274 | $30,220,000 | $110,000 | $585,000 | $68,000 | $432,000 |
| Application Denied By Financial Institution | 51 | $5,114,000 | $100,000 | $225,000 | $66,000 | $443,000 |
| Application Withdrawn By Applicant | 32 | $3,416,000 | $106,000 | $247,000 | $71,000 | $207,000 |
| Loan Purchased By The Institution | 28 | $3,411,000 | $121,000 | $216,000 | $61,000 | $150,000 |
| Application Approved But Not Accepted | 19 | $1,935,000 | $101,000 | $198,000 | $52,000 | $121,000 |
| File Closed For Incompleteness | 10 | $1,012,000 | $101,000 | $188,000 | $76,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $1,302,000 | $100,000 | $219,000 | $43,000 | $145,000 |
| Credit History | 10 | $725,000 | $72,000 | $138,000 | $71,000 | $145,000 |
| Collateral | 7 | $867,000 | $123,000 | $217,000 | $60,000 | $106,000 |
| Other | 3 | $141,000 | $47,000 | $57,000 | $176,000 | $443,000 |
| Unverifiable Information | 3 | $339,000 | $113,000 | $225,000 | $110,000 | $164,000 |
| Credit Application Incomplete | 2 | $140,000 | $70,000 | $79,000 | $69,000 | $100,000 |
| 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 |
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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