Dickey County, ND Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 115 mortgage applications in Dickey County, ND totaling $11.7 million, down 12% from 2016. The average application was for $102,000, and applicants reported an average income of $58,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Starion Bank, with 30 applications, followed by First Community Credit Union and Suntrust Mortgage, Inc..
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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 | 115 |
| Total Mortgage Loan Application Amount | $11,742,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $1,291,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $538,000 |
| 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 |
* | $ 1,200,877,000 | 30 | $ 2,077,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 565,398,000 | 14 | $ 876,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 8 | $ 733,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 7 | $ 862,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 965,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 5 | $ 540,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 4 | $ 349,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,174,850,000 | 4 | $ 421,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 629,000,000 | 3 | $ 1,943,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,496,234,000 | 3 | $ 318,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 163,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 47,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 1 | $ 62,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 85,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 50,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 198,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 62,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 104,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 177,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 10,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 960,808,000 | 1 | $ 74,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 69,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 198,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 19,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 45,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 321,189,000 | 1 | $ 37,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 387,051,000 | 1 | $ 40,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 983,012,000 | 1 | $ 59,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 820,967,000 | 1 | $ 129,000 |
The tables below break down 2017 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 2017
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 | 54 | $5,022,000 | $93,000 | $200,000 | $55,000 | $168,000 |
| Refinancing | 42 | $5,615,000 | $133,000 | $1,291,000 | $66,000 | $538,000 |
| Home Improvement | 19 | $1,105,000 | $58,000 | $198,000 | $51,000 | $155,000 |
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 | 82 | $8,797,000 | $107,000 | $1,291,000 | $69,000 | $538,000 |
| Not applicable | 23 | $2,018,000 | $87,000 | $198,000 | $24,000 | $105,000 |
| Not Provided | 9 | $757,000 | $84,000 | $125,000 | $55,000 | $90,000 |
| American Indian or Alaskan Native | 1 | $170,000 | $170,000 | $170,000 | $52,000 | $52,000 |
| 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) | 82 | $8,293,000 | $101,000 | $1,291,000 | $61,000 | $538,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,770,000 | $104,000 | $198,000 | $54,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,107,000 | $123,000 | $177,000 | $58,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $572,000 | $81,000 | $157,000 | $39,000 | $51,000 |
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 | 66 | $7,578,000 | $114,000 | $1,291,000 | $70,000 | $538,000 |
| Loan Purchased By The Institution | 22 | $2,059,000 | $93,000 | $198,000 | $36,000 | $168,000 |
| Application Denied By Financial Institution | 17 | $1,402,000 | $82,000 | $210,000 | $51,000 | $115,000 |
| Application Withdrawn By Applicant | 9 | $599,000 | $66,000 | $170,000 | $48,000 | $84,000 |
| File Closed For Incompleteness | 1 | $104,000 | $104,000 | $104,000 | $38,000 | $38,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $394,000 | $98,000 | $177,000 | $51,000 | $65,000 |
| Credit History | 2 | $110,000 | $55,000 | $60,000 | $36,000 | $40,000 |
| Credit Application Incomplete | 1 | $10,000 | $10,000 | $10,000 | $37,000 | $37,000 |
| Other | 1 | $131,000 | $131,000 | $131,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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