Benson County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 35 mortgage applications in Benson County, ND totaling $5.2 million, down 5% from 2024. The average application was for $149,000, and applicants reported an average income of $91,000. 60% of applications resulted in an originated loan and 11% were denied. The most active lender was Gate City Bank, with 8 applications, followed by First International Bank & Trust and PennyMac Loan Services LLC.
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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 | 35 |
| Total Mortgage Loan Application Amount | $5,235,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 8 | $ 970,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 2 | $ 530,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 250,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ n/a | 2 | $ 210,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 2 | $ 350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 480,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 410,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 2 | $ 280,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 135,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 135,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 135,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 155,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 1 | $ 405,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 1 | $ 135,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 55,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 55,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 155,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Benson 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 Benson County, ND in 2025
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 | 15 | $2,855,000 | $190,000 | $465,000 | $103,000 | $212,000 |
| Cash-out Refinancing | 8 | $960,000 | $120,000 | $135,000 | $52,000 | $115,000 |
| Other Purpose | 8 | $1,090,000 | $136,000 | $405,000 | $106,000 | $185,000 |
| Home Improvement | 3 | $265,000 | $88,000 | $155,000 | $89,000 | $126,000 |
| Refinancing | 1 | $65,000 | $65,000 | $65,000 | $93,000 | $93,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 25 | $3,485,000 | $139,000 | $405,000 | $89,000 | $185,000 |
| Not applicable | 3 | $495,000 | $165,000 | $225,000 | $0 | $0 |
| Not Provided | 3 | $755,000 | $251,000 | $465,000 | $115,000 | $212,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $205,000 | $92,000 | $134,000 |
| Hispanic | 2 | $240,000 | $120,000 | $175,000 | $84,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 24 | $3,370,000 | $140,000 | $465,000 | $97,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,100,000 | $183,000 | $245,000 | $89,000 | $136,000 |
| FHA-insured (Federal Housing Administration) | 5 | $765,000 | $153,000 | $205,000 | $56,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 21 | $3,395,000 | $161,000 | $465,000 | $103,000 | $212,000 |
| Application Withdrawn By Applicant | 5 | $875,000 | $175,000 | $245,000 | $93,000 | $136,000 |
| Application Denied By Financial Institution | 4 | $380,000 | $95,000 | $115,000 | $39,000 | $50,000 |
| Application Approved But Not Accepted | 2 | $260,000 | $130,000 | $175,000 | $53,000 | $76,000 |
| Loan Purchased By The Institution | 2 | $270,000 | $135,000 | $135,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $125,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 30 | $4,700,000 | $156,000 | $465,000 | $99,000 | $212,000 |
| Collateral | 2 | $220,000 | $110,000 | $115,000 | $31,000 | $38,000 |
| Debt-To-Income Ratio | 2 | $260,000 | $130,000 | $155,000 | $69,000 | $94,000 |
| Credit History | 1 | $55,000 | $55,000 | $55,000 | $50,000 | $50,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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