Benson County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 51 mortgage applications in Benson County, ND totaling $7.1 million, down 14% from 2014. The average application was for $140,000, and applicants reported an average income of $65,000. 49% of applications resulted in an originated loan and 25% were denied. The most active lender was US Bank, N.A., with 6 applications, followed by Gate City Bank and Bremer 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 | 51 |
| Total Mortgage Loan Application Amount | $7,141,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $287,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 1,083,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,771,679,000 | 6 | $ 792,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 4 | $ 839,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 266,273,000 | 4 | $ 156,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 755,957,000 | 3 | $ 490,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 525,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 3 | $ 321,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,229,285,000 | 2 | $ 336,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 324,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 266,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,970,856,000 | 2 | $ 436,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 2 | $ 147,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 245,560,000 | 2 | $ 381,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 1 | $ 38,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 283,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 124,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 249,622,000 | 1 | $ 6,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 122,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 129,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 104,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,703,826,000 | 1 | $ 100,000 |
The tables below break down 2015 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 2015
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 | 22 | $3,464,000 | $157,000 | $333,000 | $62,000 | $287,000 |
| Home Purchase | 21 | $3,296,000 | $156,000 | $305,000 | $64,000 | $126,000 |
| Home Improvement | 8 | $381,000 | $47,000 | $132,000 | $80,000 | $142,000 |
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 | 37 | $4,903,000 | $132,000 | $333,000 | $78,000 | $287,000 |
| Not applicable | 8 | $1,546,000 | $193,000 | $283,000 | $0 | $0 |
| Not Provided | 4 | $508,000 | $127,000 | $209,000 | $87,000 | $96,000 |
| American Indian or Alaskan Native | 2 | $184,000 | $92,000 | $104,000 | $51,000 | $68,000 |
| 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) | 38 | $5,296,000 | $139,000 | $333,000 | $72,000 | $287,000 |
| FHA-insured (Federal Housing Administration) | 6 | $677,000 | $112,000 | $178,000 | $52,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $429,000 | $107,000 | $145,000 | $36,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 3 | $739,000 | $246,000 | $284,000 | $50,000 | $89,000 |
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 | 25 | $3,438,000 | $137,000 | $333,000 | $78,000 | $287,000 |
| Application Denied By Financial Institution | 13 | $1,411,000 | $108,000 | $209,000 | $80,000 | $142,000 |
| Loan Purchased By The Institution | 7 | $1,425,000 | $203,000 | $283,000 | $0 | $0 |
| Application Withdrawn By Applicant | 4 | $687,000 | $171,000 | $260,000 | $57,000 | $84,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $100,000 | $57,000 | $68,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $168,000 | $84,000 | $103,000 | $64,000 | $96,000 |
| Other | 1 | $99,000 | $99,000 | $99,000 | $142,000 | $142,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $65,000 | $65,000 |
| Credit History | 1 | $60,000 | $60,000 | $60,000 | $26,000 | $26,000 |
| Debt-To-Income Ratio | 1 | $122,000 | $122,000 | $122,000 | $90,000 | $90,000 |
| Employment History | 1 | $137,000 | $137,000 | $137,000 | $95,000 | $95,000 |
| 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 |
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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