Benson County, ND Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 55 mortgage applications in Benson County, ND totaling $7.7 million, up 2% from 2016. The average application was for $140,000, and applicants reported an average income of $71,000. 55% of applications resulted in an originated loan and 11% were denied. The most active lender was Western State Bank, with 9 applications, followed by Unity Mortgage 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 | 55 |
| Total Mortgage Loan Application Amount | $7,717,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $207,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 960,808,000 | 9 | $ 1,862,000 |
| Unity Mortgage 615 S BROADWAY MINOT, ND 58701 |
* | $ 0 | 6 | $ 573,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,496,234,000 | 4 | $ 719,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,952,398,000 | 4 | $ 278,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,333,885,000 | 3 | $ 217,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 307,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 379,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 3 | $ 525,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,620,732,000 | 2 | $ 315,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 2 | $ 129,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 67,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 369,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 469,000 |
| Fortifi Bank 140 W. HURON ST/PO BOX 310 BERILN, WI 54923 |
* | $ 395,570,000 | 1 | $ 335,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,717,614,000 | 1 | $ 182,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 256,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 60,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 223,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 138,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 65,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,174,850,000 | 1 | $ 141,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 565,398,000 | 1 | $ 93,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 15,000 |
The tables below break down 2017 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 2017
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 | 28 | $4,039,000 | $144,000 | $365,000 | $73,000 | $169,000 |
| Refinancing | 17 | $2,494,000 | $146,000 | $335,000 | $79,000 | $207,000 |
| Home Improvement | 10 | $1,184,000 | $118,000 | $400,000 | $54,000 | $105,000 |
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 | 39 | $5,759,000 | $147,000 | $365,000 | $83,000 | $207,000 |
| American Indian or Alaskan Native | 10 | $1,014,000 | $101,000 | $225,000 | $64,000 | $149,000 |
| Not applicable | 5 | $919,000 | $183,000 | $400,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $39,000 | $39,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 47 | $6,583,000 | $140,000 | $400,000 | $71,000 | $207,000 |
| FHA-insured (Federal Housing Administration) | 3 | $511,000 | $170,000 | $225,000 | $90,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $356,000 | $118,000 | $152,000 | $61,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 2 | $267,000 | $133,000 | $252,000 | $62,000 | $80,000 |
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 | 30 | $3,620,000 | $120,000 | $320,000 | $78,000 | $207,000 |
| Application Withdrawn By Applicant | 9 | $2,056,000 | $228,000 | $365,000 | $91,000 | $162,000 |
| Application Denied By Financial Institution | 6 | $558,000 | $93,000 | $255,000 | $43,000 | $62,000 |
| Loan Purchased By The Institution | 5 | $919,000 | $183,000 | $400,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $229,000 | $76,000 | $119,000 | $65,000 | $113,000 |
| Application Approved But Not Accepted | 2 | $335,000 | $167,000 | $200,000 | $144,000 | $169,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $93,000 | $46,000 | $60,000 | $50,000 | $62,000 |
| Debt-To-Income Ratio | 1 | $115,000 | $115,000 | $115,000 | $27,000 | $27,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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