Dickey County, ND Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 126 mortgage applications in Dickey County, ND totaling $15.1 million, up 10% from 2017. The average application was for $119,000, and applicants reported an average income of $76,000. 66% of applications resulted in an originated loan and 6% were denied. The most active lender was Starion Bank, with 25 applications, followed by First Community Credit Union and Wells Fargo Bank NA.
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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 | 126 |
| Total Mortgage Loan Application Amount | $15,100,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $366,000 |
| 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 |
* | $ 1,262,449,000 | 25 | $ 2,505,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 618,980,000 | 16 | $ 2,030,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 10 | $ 710,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 1,320,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 7 | $ 645,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 965,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,249,881,000 | 4 | $ 390,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 3 | $ 315,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 495,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 305,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 446,870,000 | 2 | $ 160,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 100,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 2 | $ 460,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 310,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 400,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 2 | $ 120,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 215,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 185,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 355,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 205,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 155,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 968,347,000 | 1 | $ 355,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,396,553,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 1 | $ 155,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 1 | $ 135,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,915,259,000 | 1 | $ 185,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 291,483,000 | 1 | $ 135,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 35,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2018 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 2018
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 | 67 | $8,625,000 | $128,000 | $355,000 | $72,000 | $248,000 |
| Cash-out Refinancing | 24 | $3,400,000 | $141,000 | $345,000 | $76,000 | $127,000 |
| Refinancing | 24 | $2,330,000 | $97,000 | $345,000 | $76,000 | $366,000 |
| Home Improvement | 8 | $550,000 | $68,000 | $215,000 | $106,000 | $259,000 |
| Other Purpose | 3 | $195,000 | $65,000 | $75,000 | $71,000 | $100,000 |
| Not Applicable | 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 | 97 | $11,435,000 | $117,000 | $345,000 | $76,000 | $366,000 |
| Not applicable | 14 | $2,250,000 | $160,000 | $355,000 | $96,000 | $127,000 |
| Not Provided | 14 | $1,390,000 | $99,000 | $355,000 | $71,000 | $138,000 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $54,000 | $54,000 |
| 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) | 90 | $10,330,000 | $114,000 | $355,000 | $84,000 | $366,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,070,000 | $129,000 | $275,000 | $53,000 | $91,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,395,000 | $126,000 | $225,000 | $58,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,305,000 | $145,000 | $355,000 | $59,000 | $109,000 |
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 | 83 | $10,165,000 | $122,000 | $355,000 | $70,000 | $259,000 |
| Loan Purchased By The Institution | 17 | $2,505,000 | $147,000 | $275,000 | $105,000 | $248,000 |
| Application Withdrawn By Applicant | 13 | $1,255,000 | $96,000 | $165,000 | $60,000 | $125,000 |
| Application Denied By Financial Institution | 8 | $580,000 | $72,000 | $145,000 | $106,000 | $366,000 |
| File Closed For Incompleteness | 4 | $460,000 | $115,000 | $205,000 | $71,000 | $109,000 |
| Application Approved But Not Accepted | 1 | $135,000 | $135,000 | $135,000 | $205,000 | $205,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 117 | $14,385,000 | $122,000 | $355,000 | $72,000 | $259,000 |
| Collateral | 4 | $170,000 | $42,000 | $85,000 | $143,000 | $366,000 |
| Credit History | 2 | $220,000 | $110,000 | $145,000 | $77,000 | $100,000 |
| Debt-To-Income Ratio | 2 | $240,000 | $120,000 | $135,000 | $119,000 | $205,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $86,000 | $86,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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