Dickey County, ND Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 171 mortgage applications in Dickey County, ND totaling $15.4 million, up 20% from 2010. The average application was for $90,000, and applicants reported an average income of $66,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was Starion Bank, with 49 applications, followed by First Community Credit Union and PHH Mortgage Corporation.
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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 | 171 |
| Total Mortgage Loan Application Amount | $15,400,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $708,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $639,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 775,230,000 | 49 | $ 3,718,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 336,791,000 | 31 | $ 2,169,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 21 | $ 2,281,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 14 | $ 1,455,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 749,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 278,418,000 | 6 | $ 551,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 317,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 469,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 552,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,801,691,000 | 3 | $ 148,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 255,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 261,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 137,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 160,733,000 | 1 | $ 95,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 42,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 184,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 74,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,556,748,000 | 1 | $ 169,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 1 | $ 154,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 554,688,000 | 1 | $ 80,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 92,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 120,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 154,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 28,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 400,984,000 | 1 | $ 145,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 63,000 |
The tables below break down 2011 mortgage applications in Dickey 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 Dickey County, ND in 2011
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 | 93 | $8,795,000 | $94,000 | $228,000 | $65,000 | $350,000 |
| Home Purchase | 58 | $5,844,000 | $100,000 | $708,000 | $74,000 | $639,000 |
| Home Improvement | 20 | $761,000 | $38,000 | $147,000 | $51,000 | $178,000 |
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 | 144 | $12,741,000 | $88,000 | $708,000 | $71,000 | $639,000 |
| Not applicable | 11 | $1,232,000 | $112,000 | $184,000 | $0 | $0 |
| Not Provided | 11 | $1,212,000 | $110,000 | $155,000 | $79,000 | $143,000 |
| Hispanic | 5 | $215,000 | $43,000 | $64,000 | $40,000 | $60,000 |
| 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 |
| Black or African American | 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) | 125 | $10,965,000 | $87,000 | $708,000 | $68,000 | $639,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,267,000 | $112,000 | $182,000 | $70,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $974,000 | $69,000 | $155,000 | $44,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 3 | $194,000 | $64,000 | $80,000 | $30,000 | $45,000 |
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 | 95 | $8,030,000 | $84,000 | $708,000 | $76,000 | $639,000 |
| Application Denied By Financial Institution | 23 | $1,918,000 | $83,000 | $182,000 | $54,000 | $118,000 |
| Loan Purchased By The Institution | 17 | $1,902,000 | $111,000 | $184,000 | $18,000 | $88,000 |
| Application Withdrawn By Applicant | 16 | $1,455,000 | $90,000 | $180,000 | $72,000 | $119,000 |
| Application Approved But Not Accepted | 13 | $1,294,000 | $99,000 | $192,000 | $74,000 | $143,000 |
| File Closed For Incompleteness | 7 | $801,000 | $114,000 | $168,000 | $51,000 | $105,000 |
| 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 | 5 | $457,000 | $91,000 | $180,000 | $57,000 | $107,000 |
| Other | 4 | $306,000 | $76,000 | $106,000 | $43,000 | $96,000 |
| Credit History | 4 | $173,000 | $43,000 | $121,000 | $38,000 | $50,000 |
| Collateral | 2 | $290,000 | $145,000 | $180,000 | $86,000 | $118,000 |
| Employment History | 2 | $274,000 | $137,000 | $182,000 | $72,000 | $96,000 |
| Credit Application Incomplete | 1 | $61,000 | $61,000 | $61,000 | $73,000 | $73,000 |
| Unverifiable Information | 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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