Bottineau County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 218 mortgage applications in Bottineau County, ND totaling $31.9 million, up 27% from 2012. The average application was for $146,000, and applicants reported an average income of $121,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 33 applications, followed by Bank of North Dakota and JPMorgan Chase 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 | 218 |
| Total Mortgage Loan Application Amount | $31,916,000 |
| Average Mortgage Loan Application Amount | $146,000 |
| Highest Mortgage Loan Application Amount | $548,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $1,200,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 33 | $ 5,231,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 16 | $ 2,072,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 16 | $ 1,823,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 978,576,000 | 15 | $ 1,593,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 14 | $ 2,519,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 13 | $ 1,815,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 10 | $ 1,637,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,305,309,000 | 10 | $ 2,138,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 327,572,000 | 7 | $ 933,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 7 | $ 743,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 6 | $ 1,009,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 799,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,060,324,000 | 6 | $ 1,500,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,460,729,000 | 5 | $ 698,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 484,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,685,770,000 | 3 | $ 553,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 790,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 275,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 179,614,000 | 2 | $ 127,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 576,362,000 | 2 | $ 246,000 |
| Department of the Interior FCU 12201 SUNRISE VALLEY DR WASHINGTON, DC 20240 |
* | $ 141,175,000 | 2 | $ 35,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 303,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 273,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 832,024,000 | 2 | $ 393,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 233,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 185,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 206,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 128,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 7,984,323,000 | 1 | $ 61,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 259,175,000 | 1 | $ 80,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 163,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 81,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ 1,270,503,000 | 1 | $ 317,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 159,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 253,900,000 | 1 | $ 75,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 162,316,000 | 1 | $ 115,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 210,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 1 | $ 73,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 981,868,000 | 1 | $ 250,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 101,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 104,000 |
The tables below break down 2013 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 2013
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 | 115 | $16,852,000 | $146,000 | $388,000 | $158,000 | $1,200,000 |
| Home Purchase | 79 | $12,378,000 | $156,000 | $548,000 | $73,000 | $535,000 |
| Home Improvement | 24 | $2,686,000 | $111,000 | $244,000 | $98,000 | $253,000 |
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 | 165 | $24,647,000 | $149,000 | $548,000 | $120,000 | $1,071,000 |
| Not applicable | 27 | $3,471,000 | $128,000 | $200,000 | $9,000 | $101,000 |
| Not Provided | 14 | $1,962,000 | $140,000 | $240,000 | $170,000 | $1,000,000 |
| American Indian or Alaskan Native | 4 | $651,000 | $162,000 | $206,000 | $116,000 | $235,000 |
| Hispanic | 4 | $507,000 | $126,000 | $168,000 | $91,000 | $111,000 |
| Asian | 3 | $479,000 | $159,000 | $182,000 | $966,000 | $1,200,000 |
| Black or African American | 1 | $199,000 | $199,000 | $199,000 | $145,000 | $145,000 |
| 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) | 157 | $23,569,000 | $150,000 | $548,000 | $150,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,474,000 | $124,000 | $187,000 | $33,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,313,000 | $154,000 | $262,000 | $61,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $560,000 | $112,000 | $156,000 | $50,000 | $63,000 |
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 | 114 | $17,848,000 | $156,000 | $548,000 | $137,000 | $1,071,000 |
| Application Denied By Financial Institution | 49 | $6,481,000 | $132,000 | $388,000 | $161,000 | $1,200,000 |
| Loan Purchased By The Institution | 32 | $4,082,000 | $127,000 | $200,000 | $21,000 | $112,000 |
| Application Withdrawn By Applicant | 10 | $1,374,000 | $137,000 | $416,000 | $77,000 | $266,000 |
| Application Approved But Not Accepted | 9 | $1,264,000 | $140,000 | $236,000 | $94,000 | $201,000 |
| File Closed For Incompleteness | 3 | $627,000 | $209,000 | $310,000 | $116,000 | $164,000 |
| Preapproval Denied by Financial Institution | 1 | $240,000 | $240,000 | $240,000 | $237,000 | $237,000 |
| Preapproval Approved but not Accepted | 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 | 17 | $2,181,000 | $128,000 | $240,000 | $152,000 | $1,000,000 |
| Debt-To-Income Ratio | 9 | $1,156,000 | $128,000 | $270,000 | $53,000 | $102,000 |
| Credit Application Incomplete | 5 | $389,000 | $77,000 | $127,000 | $126,000 | $300,000 |
| Credit History | 4 | $614,000 | $153,000 | $317,000 | $327,000 | $1,000,000 |
| Other | 4 | $745,000 | $186,000 | $240,000 | $629,000 | $1,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $201,000 | $100,000 | $135,000 | $75,000 | $115,000 |
| Unverifiable Information | 1 | $214,000 | $214,000 | $214,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment 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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