Bottineau County, ND Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 188 mortgage applications in Bottineau County, ND totaling $18.0 million, down 13% from 2007. The average application was for $95,000, and applicants reported an average income of $104,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank, NA, with 42 applications, followed by Wells Fargo Fin'l North Dakota and Countrywide Bank FSB.
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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 | 188 |
| Total Mortgage Loan Application Amount | $17,966,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $1,465,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $6,027,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 42 | $ 3,845,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 11 | $ 779,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 11 | $ 845,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 11 | $ 856,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 951,979,000 | 9 | $ 659,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 383,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 8 | $ 822,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,388,138,000 | 7 | $ 793,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 608,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 6 | $ 102,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 4 | $ 321,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 183,394,000 | 4 | $ 540,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 291,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 146,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 262,758,000 | 3 | $ 43,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 621,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 3 | $ 91,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 864,696,000 | 3 | $ 1,732,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,815,913,000 | 3 | $ 220,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 156,398,000 | 2 | $ 197,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 425,915,000 | 2 | $ 310,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 2 | $ 181,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 199,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 116,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 96,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 100,000 |
| River Funding Corporation 1580 HERITAGE BLVD SUITE 200 WEST SALEM, WI 54669 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 113,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 97,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 258,853,000 | 1 | $ 25,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 556,500,000 | 1 | $ 378,000 |
| First Dupage Bank 520 N. CASS AVENUE WESTMONT, IL 60559 |
* | $ 312,483,000 | 1 | $ 92,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 24,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 846,065,000 | 1 | $ 168,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 92,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 378,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 178,205,000 | 1 | $ 12,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 71,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,354,950,000 | 1 | $ 4,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 30,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 309,958,000 | 1 | $ 120,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 246,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 106,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 115,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 1 | $ 152,000 |
The tables below break down 2008 mortgage applications in Bottineau 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 Bottineau County, ND in 2008
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 | 89 | $7,684,000 | $86,000 | $216,000 | $73,000 | $930,000 |
| Refinancing | 80 | $9,378,000 | $117,000 | $1,465,000 | $152,000 | $6,027,000 |
| Home Improvement | 19 | $904,000 | $47,000 | $120,000 | $49,000 | $86,000 |
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 | 149 | $14,763,000 | $99,000 | $1,465,000 | $117,000 | $6,027,000 |
| Not applicable | 19 | $1,953,000 | $102,000 | $378,000 | $57,000 | $624,000 |
| Not Provided | 16 | $967,000 | $60,000 | $160,000 | $54,000 | $116,000 |
| American Indian or Alaskan Native | 4 | $283,000 | $70,000 | $95,000 | $53,000 | $61,000 |
| 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) | 133 | $13,465,000 | $101,000 | $1,465,000 | $130,000 | $6,027,000 |
| FHA-insured (Federal Housing Administration) | 47 | $3,732,000 | $79,000 | $175,000 | $40,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 8 | $769,000 | $96,000 | $213,000 | $52,000 | $70,000 |
| 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 | 97 | $10,180,000 | $104,000 | $1,465,000 | $145,000 | $6,027,000 |
| Loan Purchased By The Institution | 29 | $3,041,000 | $104,000 | $378,000 | $73,000 | $625,000 |
| Application Denied By Financial Institution | 28 | $2,236,000 | $79,000 | $246,000 | $57,000 | $168,000 |
| Application Approved But Not Accepted | 15 | $1,247,000 | $83,000 | $184,000 | $57,000 | $116,000 |
| Application Withdrawn By Applicant | 14 | $959,000 | $68,000 | $110,000 | $52,000 | $163,000 |
| File Closed For Incompleteness | 5 | $303,000 | $60,000 | $100,000 | $46,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $949,000 | $105,000 | $246,000 | $55,000 | $89,000 |
| Other | 3 | $196,000 | $65,000 | $92,000 | $79,000 | $86,000 |
| Credit History | 2 | $22,000 | $11,000 | $15,000 | $38,000 | $48,000 |
| Debt-To-Income Ratio | 2 | $90,000 | $45,000 | $86,000 | $67,000 | $85,000 |
| Employment History | 1 | $107,000 | $107,000 | $107,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 1 | $111,000 | $111,000 | $111,000 | $30,000 | $30,000 |
| Unverifiable Information | 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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