Cavalier County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 75 mortgage applications in Cavalier County, ND totaling $6.6 million, down 33% from 2013. The average application was for $87,000, and applicants reported an average income of $87,000. 63% of applications resulted in an originated loan and 19% were denied. The most active lender was US Bank, N.A., with 29 applications, followed by Choice Financial Group and USAA Federal Savings 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 | 75 |
| Total Mortgage Loan Application Amount | $6,562,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $232,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $734,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 29 | $ 2,095,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 653,119,000 | 16 | $ 1,583,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 332,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 152,303,000 | 4 | $ 400,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 688,805,000 | 2 | $ 163,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 2 | $ 167,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 83,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 277,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 2 | $ 271,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 58,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,129,209,000 | 1 | $ 45,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 180,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 100,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 188,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 1 | $ 80,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 1 | $ 63,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 1 | $ 128,000 |
The tables below break down 2014 mortgage applications in Cavalier 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 Cavalier County, ND in 2014
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 | 34 | $2,794,000 | $82,000 | $232,000 | $84,000 | $734,000 |
| Home Purchase | 32 | $3,212,000 | $100,000 | $168,000 | $95,000 | $468,000 |
| Home Improvement | 9 | $556,000 | $61,000 | $188,000 | $69,000 | $170,000 |
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 | 71 | $6,268,000 | $88,000 | $232,000 | $88,000 | $734,000 |
| Not Provided | 3 | $159,000 | $53,000 | $61,000 | $98,000 | $164,000 |
| Not applicable | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 63 | $5,394,000 | $85,000 | $232,000 | $93,000 | $734,000 |
| FHA-insured (Federal Housing Administration) | 5 | $410,000 | $82,000 | $128,000 | $51,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 4 | $372,000 | $93,000 | $168,000 | $78,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $386,000 | $128,000 | $135,000 | $29,000 | $54,000 |
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 | 47 | $4,327,000 | $92,000 | $232,000 | $100,000 | $734,000 |
| Application Denied By Financial Institution | 14 | $1,157,000 | $82,000 | $180,000 | $70,000 | $170,000 |
| File Closed For Incompleteness | 6 | $440,000 | $73,000 | $116,000 | $38,000 | $95,000 |
| Loan Purchased By The Institution | 4 | $433,000 | $108,000 | $135,000 | $95,000 | $165,000 |
| Application Approved But Not Accepted | 3 | $138,000 | $46,000 | $55,000 | $36,000 | $95,000 |
| Application Withdrawn By Applicant | 1 | $67,000 | $67,000 | $67,000 | $150,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $205,000 | $102,000 | $150,000 | $137,000 | $170,000 |
| Collateral | 2 | $132,000 | $66,000 | $92,000 | $49,000 | $61,000 |
| Other | 2 | $108,000 | $54,000 | $58,000 | $98,000 | $164,000 |
| Unverifiable Information | 1 | $78,000 | $78,000 | $78,000 | $41,000 | $41,000 |
| Credit History | 1 | $8,000 | $8,000 | $8,000 | $90,000 | $90,000 |
| Credit Application Incomplete | 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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