Bottineau County, ND Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 102 mortgage applications in Bottineau County, ND totaling $19.5 million, up 1% from 2023. The average application was for $190,000, and applicants reported an average income of $130,000. 65% of applications resulted in an originated loan and 9% were denied. The most active lender was Gate City Bank, with 12 applications, followed by Starion Bank and Mortgage Research Center.
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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 | 102 |
| Total Mortgage Loan Application Amount | $19,460,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $130,000 |
| Highest Applicant Income | $854,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 12 | $ 1,860,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 11 | $ 1,405,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 2,430,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 7 | $ 1,775,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,510,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 5 | $ 935,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 5 | $ 1,015,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 770,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 4 | $ 820,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 3 | $ 335,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 400,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 2 | $ 330,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 2 | $ 650,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 420,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 2 | $ 340,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 240,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 1 | $ 85,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 55,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 145,000 |
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ n/a | 1 | $ 135,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 305,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 205,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 185,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 65,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ n/a | 1 | $ 275,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 275,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ n/a | 1 | $ 355,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 1 | $ 605,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 145,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 35,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 485,000 |
The tables below break down 2024 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 2024
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 | 66 | $14,040,000 | $212,000 | $765,000 | $135,000 | $854,000 |
| Refinancing | 16 | $3,080,000 | $192,000 | $485,000 | $167,000 | $507,000 |
| Cash-out Refinancing | 10 | $1,280,000 | $128,000 | $315,000 | $91,000 | $148,000 |
| Other Purpose | 6 | $870,000 | $145,000 | $305,000 | $101,000 | $130,000 |
| Home Improvement | 4 | $190,000 | $47,000 | $75,000 | $79,000 | $189,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 83 | $15,145,000 | $182,000 | $765,000 | $125,000 | $775,000 |
| Not Provided | 13 | $3,195,000 | $245,000 | $375,000 | $168,000 | $854,000 |
| Not applicable | 5 | $1,075,000 | $215,000 | $275,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $83,000 | $83,000 |
| 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 | $12,810,000 | $177,000 | $765,000 | $141,000 | $854,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,265,000 | $224,000 | $345,000 | $88,000 | $173,000 |
| FHA-insured (Federal Housing Administration) | 11 | $2,385,000 | $216,000 | $375,000 | $105,000 | $308,000 |
| 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 | 66 | $13,060,000 | $197,000 | $765,000 | $152,000 | $854,000 |
| Application Withdrawn By Applicant | 16 | $3,280,000 | $205,000 | $355,000 | $98,000 | $308,000 |
| Application Denied By Financial Institution | 9 | $1,145,000 | $127,000 | $315,000 | $64,000 | $121,000 |
| Loan Purchased By The Institution | 7 | $1,465,000 | $209,000 | $335,000 | $96,000 | $173,000 |
| Application Approved But Not Accepted | 4 | $510,000 | $127,000 | $205,000 | $88,000 | $117,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 90 | $17,760,000 | $197,000 | $765,000 | $137,000 | $854,000 |
| Debt-To-Income Ratio | 6 | $980,000 | $163,000 | $305,000 | $92,000 | $231,000 |
| Collateral | 2 | $350,000 | $175,000 | $315,000 | $98,000 | $121,000 |
| Credit Application Incomplete | 2 | $100,000 | $50,000 | $65,000 | $88,000 | $100,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $46,000 | $46,000 |
| Unverifiable Information | 1 | $245,000 | $245,000 | $245,000 | $61,000 | $61,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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