Benson County, ND Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 76 mortgage applications in Benson County, ND totaling $6.4 million, down 14% from 2005. The average application was for $84,000, and applicants reported an average income of $70,000. 42% of applications resulted in an originated loan and 32% were denied. The most active lender was Ramsey National Bank, with 6 applications, followed by Wells Fargo Bank, NA and Bremer Bank NA (Fargo).
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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 | 76 |
| Total Mortgage Loan Application Amount | $6,429,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $534,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 161,067,000 | 6 | $ 346,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 5 | $ 259,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,146,400,000 | 5 | $ 389,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 5 | $ 342,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 245,492,000 | 4 | $ 70,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 204,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 822,369,000 | 3 | $ 160,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 3 | $ 186,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 3 | $ 628,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 6,179,872,000 | 3 | $ 385,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 3 | $ 294,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 180,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 288,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,082,250,290,000 | 2 | $ 283,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 654,128,000 | 2 | $ 186,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 179,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 103,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 2 | $ 104,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 60,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 28,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 71,060,868,000 | 1 | $ 15,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,960,716,000 | 1 | $ 9,000 |
| First National Bank 101 DIXIE HIGHWAY CHICAGO HEIGHTS, IL 60411 |
* | $ 495,438,000 | 1 | $ 29,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000,000 | 1 | $ 300,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 1 | $ 80,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 50,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 240,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 153,433,000 | 1 | $ 91,000 |
The tables below break down 2006 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 42 | $3,793,000 | $90,000 | $252,000 | $76,000 | $534,000 |
| Home Purchase | 19 | $1,614,000 | $84,000 | $252,000 | $52,000 | $120,000 |
| Home Improvement | 15 | $1,022,000 | $68,000 | $300,000 | $74,000 | $226,000 |
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 | 54 | $4,617,000 | $85,000 | $300,000 | $71,000 | $534,000 |
| American Indian or Alaskan Native | 10 | $506,000 | $50,000 | $126,000 | $53,000 | $114,000 |
| Not Provided | 7 | $618,000 | $88,000 | $237,000 | $68,000 | $134,000 |
| Not applicable | 5 | $688,000 | $137,000 | $239,000 | $93,000 | $226,000 |
| 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) | 72 | $6,201,000 | $86,000 | $300,000 | $71,000 | $534,000 |
| VA-guaranteed (Veterans Administration) | 4 | $228,000 | $57,000 | $69,000 | $44,000 | $50,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 32 | $2,180,000 | $68,000 | $259,000 | $69,000 | $226,000 |
| Application Denied By Financial Institution | 24 | $2,315,000 | $96,000 | $252,000 | $55,000 | $162,000 |
| Application Withdrawn By Applicant | 8 | $844,000 | $105,000 | $300,000 | $62,000 | $100,000 |
| Loan Purchased By The Institution | 8 | $878,000 | $109,000 | $239,000 | $76,000 | $226,000 |
| File Closed For Incompleteness | 3 | $203,000 | $67,000 | $90,000 | $212,000 | $534,000 |
| Application Approved But Not Accepted | 1 | $9,000 | $9,000 | $9,000 | $11,000 | $11,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $360,000 | $72,000 | $122,000 | $58,000 | $119,000 |
| Collateral | 4 | $536,000 | $134,000 | $252,000 | $47,000 | $98,000 |
| Credit Application Incomplete | 3 | $134,000 | $44,000 | $69,000 | $36,000 | $42,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $42,000 | $42,000 |
| Unverifiable Information | 1 | $116,000 | $116,000 | $116,000 | $37,000 | $37,000 |
| 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 |
| Debt-To-Income Ratio | 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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