Bowman County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 43 mortgage applications in Bowman County, ND totaling $8.5 million, down 34% from 2022. The average application was for $197,000, and applicants reported an average income of $94,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was Dakota Community Bank & Trust, NA, with 5 applications, followed by Ark-La-Tex Financial Services LLC and PennyMac Loan Services LLC.
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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 | 43 |
| Total Mortgage Loan Application Amount | $8,505,000 |
| Average Mortgage Loan Application Amount | $197,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $219,000 |
Top Mortgage Lenders in Bowman County, ND (2023)
Ranked by the number of mortgage applications each lender reported in Bowman County, ND in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Dakota Community Bank & Trust, NA Hebron, ND |
5 | $1,065,000 | $213,000 | $61,000 |
| 2 | Ark-La-Tex Financial Services LLC Plano, TX |
5 | $985,000 | $197,000 | $100,000 |
| 3 | PennyMac Loan Services LLC Westlake Village, CA |
4 | $690,000 | $172,000 | $109,000 |
| 4 | Dakota West Credit Union Watford City, ND |
3 | $545,000 | $181,000 | $92,000 |
| 5 | Plains Commerce Bank Hoven, SD |
3 | $1,035,000 | $345,000 | $154,000 |
| 6 | Western Cooperative Credit Union Williston, ND |
2 | $260,000 | $130,000 | $140,000 |
| 7 | USAA Federal Savings Bank San Antonio, TX |
1 | $165,000 | $165,000 | $190,000 |
| 8 | Unify Home Lending Inc. Pierre, SD |
1 | $125,000 | $125,000 | $51,000 |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH |
1 | $175,000 | $175,000 | $120,000 |
| 10 | Bravera Bank Dickinson, ND |
1 | $565,000 | $565,000 | $193,000 |
The tables below break down 2023 mortgage applications in Bowman 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 Bowman County, ND in 2023
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 | 35 | $6,785,000 | $193,000 | $565,000 | $86,000 | $219,000 |
| Cash-out Refinancing | 5 | $1,115,000 | $223,000 | $475,000 | $141,000 | $219,000 |
| Refinancing | 3 | $605,000 | $201,000 | $305,000 | $93,000 | $145,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 34 | $6,820,000 | $200,000 | $565,000 | $93,000 | $219,000 |
| Not applicable | 6 | $1,280,000 | $213,000 | $455,000 | $0 | $0 |
| Not Provided | 1 | $145,000 | $145,000 | $145,000 | $64,000 | $64,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $157,000 | $157,000 |
| Hispanic | 1 | $205,000 | $205,000 | $205,000 | $105,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 23 | $5,135,000 | $223,000 | $565,000 | $89,000 | $219,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,550,000 | $182,000 | $255,000 | $103,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $425,000 | $141,000 | $175,000 | $66,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 3 | $395,000 | $131,000 | $165,000 | $123,000 | $190,000 |
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 | 27 | $5,245,000 | $194,000 | $565,000 | $94,000 | $219,000 |
| Loan Purchased By The Institution | 7 | $1,385,000 | $197,000 | $455,000 | $26,000 | $26,000 |
| Application Denied By Financial Institution | 5 | $825,000 | $165,000 | $255,000 | $76,000 | $178,000 |
| Application Withdrawn By Applicant | 2 | $650,000 | $325,000 | $475,000 | $169,000 | $219,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $81,000 | $81,000 |
| Preapproval Approved but not Accepted | 1 | $225,000 | $225,000 | $225,000 | $108,000 | $108,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 38 | $7,680,000 | $202,000 | $565,000 | $97,000 | $219,000 |
| Collateral | 3 | $415,000 | $138,000 | $195,000 | $103,000 | $178,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $71,000 | $71,000 |
| Employment History | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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