Burke County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 69 mortgage applications in Burke County, ND totaling $10.4 million, up 33% from 2020. The average application was for $150,000, and applicants reported an average income of $101,000. 57% of applications resulted in an originated loan and 6% were denied. The most active lender was Gate City Bank, with 8 applications, followed by Town and Country Credit Union and Dacotah Bank.
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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 | 69 |
| Total Mortgage Loan Application Amount | $10,385,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $358,000 |
| 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 |
* | $ 2,380,296,000 | 8 | $ 950,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 484,003,000 | 6 | $ 580,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 5 | $ 795,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 5 | $ 675,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 700,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 520,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 325,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 320,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 180,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 540,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 395,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 285,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 365,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 135,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 275,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 375,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 35,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 55,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,089,559,000 | 1 | $ 365,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 1 | $ 215,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 255,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 1 | $ 225,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 245,000 |
The tables below break down 2021 mortgage applications in Burke 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 Burke County, ND in 2021
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 | 31 | $3,845,000 | $124,000 | $395,000 | $66,000 | $156,000 |
| Refinancing | 22 | $4,380,000 | $199,000 | $375,000 | $138,000 | $358,000 |
| Cash-out Refinancing | 10 | $1,490,000 | $149,000 | $225,000 | $126,000 | $155,000 |
| Home Improvement | 3 | $455,000 | $151,000 | $285,000 | $126,000 | $141,000 |
| Other Purpose | 2 | $170,000 | $85,000 | $115,000 | $173,000 | $250,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 54 | $7,960,000 | $147,000 | $395,000 | $104,000 | $358,000 |
| Not Provided | 8 | $1,180,000 | $147,000 | $175,000 | $97,000 | $141,000 |
| Not applicable | 3 | $365,000 | $121,000 | $165,000 | $0 | $0 |
| Asian | 2 | $500,000 | $250,000 | $255,000 | $0 | $0 |
| Hispanic | 2 | $380,000 | $190,000 | $315,000 | $88,000 | $128,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 46 | $7,290,000 | $158,000 | $395,000 | $114,000 | $358,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,570,000 | $130,000 | $255,000 | $38,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,115,000 | $159,000 | $315,000 | $99,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $410,000 | $102,000 | $165,000 | $43,000 | $49,000 |
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 | 39 | $5,985,000 | $153,000 | $375,000 | $100,000 | $358,000 |
| Application Withdrawn By Applicant | 11 | $1,875,000 | $170,000 | $395,000 | $97,000 | $197,000 |
| Loan Purchased By The Institution | 8 | $1,020,000 | $127,000 | $235,000 | $117,000 | $156,000 |
| File Closed For Incompleteness | 5 | $745,000 | $149,000 | $175,000 | $195,000 | $250,000 |
| Application Denied By Financial Institution | 4 | $450,000 | $112,000 | $185,000 | $80,000 | $120,000 |
| Application Approved But Not Accepted | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $55,000 | $55,000 | $55,000 | $28,000 | $28,000 |
| 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 | 65 | $9,935,000 | $152,000 | $395,000 | $103,000 | $358,000 |
| Collateral | 2 | $360,000 | $180,000 | $185,000 | $88,000 | $117,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $120,000 | $120,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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