Dickey County, ND Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 118 mortgage applications in Dickey County, ND totaling $14.8 million, down 6% from 2018. The average application was for $125,000, and applicants reported an average income of $84,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Starion Bank, with 26 applications, followed by First Community Credit Union and US Bank, N.A..
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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 | 118 |
| Total Mortgage Loan Application Amount | $14,760,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $768,000 |
| 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 |
* | $ 1,361,706,000 | 26 | $ 3,040,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 825,691,000 | 17 | $ 1,715,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 8 | $ 830,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 1,135,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,142,520,000 | 6 | $ 790,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 5 | $ 395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 4 | $ 470,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 12,122,519,000 | 3 | $ 485,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,231,157,000 | 3 | $ 1,255,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 250,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 360,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 2 | $ 70,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 380,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ 128,792,000 | 1 | $ 105,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,710,801,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 25,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 95,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 486,635,000 | 1 | $ 285,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 466,891,000 | 1 | $ 45,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 95,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,708,028,000 | 1 | $ 165,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 1 | $ 25,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 145,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,050,339,000 | 1 | $ 15,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 145,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 95,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 1 | $ 135,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,567,120,000 | 1 | $ 125,000 |
The tables below break down 2019 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 2019
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 | 60 | $6,940,000 | $115,000 | $315,000 | $67,000 | $222,000 |
| Cash-out Refinancing | 23 | $3,315,000 | $144,000 | $325,000 | $68,000 | $196,000 |
| Refinancing | 23 | $3,865,000 | $168,000 | $725,000 | $163,000 | $768,000 |
| Other Purpose | 7 | $495,000 | $70,000 | $155,000 | $90,000 | $218,000 |
| Home Improvement | 5 | $145,000 | $29,000 | $35,000 | $81,000 | $107,000 |
| 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 | 86 | $9,780,000 | $113,000 | $325,000 | $82,000 | $768,000 |
| Not applicable | 14 | $2,250,000 | $160,000 | $725,000 | $44,000 | $69,000 |
| Not Provided | 14 | $2,200,000 | $157,000 | $435,000 | $100,000 | $381,000 |
| American Indian or Alaskan Native | 2 | $420,000 | $210,000 | $315,000 | $102,000 | $141,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $55,000 | $55,000 |
| Hispanic | 1 | $25,000 | $25,000 | $25,000 | $82,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 87 | $10,985,000 | $126,000 | $725,000 | $94,000 | $768,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,850,000 | $115,000 | $225,000 | $56,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $990,000 | $123,000 | $205,000 | $52,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 7 | $935,000 | $133,000 | $265,000 | $63,000 | $90,000 |
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 | 68 | $8,670,000 | $127,000 | $435,000 | $97,000 | $768,000 |
| Application Denied By Financial Institution | 21 | $1,785,000 | $85,000 | $315,000 | $54,000 | $141,000 |
| Loan Purchased By The Institution | 15 | $1,955,000 | $130,000 | $215,000 | $56,000 | $78,000 |
| Application Withdrawn By Applicant | 10 | $1,870,000 | $187,000 | $725,000 | $72,000 | $132,000 |
| File Closed For Incompleteness | 3 | $255,000 | $85,000 | $145,000 | $67,000 | $109,000 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 96 | $12,930,000 | $134,000 | $725,000 | $91,000 | $768,000 |
| Collateral | 7 | $605,000 | $86,000 | $175,000 | $63,000 | $102,000 |
| Credit History | 7 | $345,000 | $49,000 | $125,000 | $50,000 | $98,000 |
| Debt-To-Income Ratio | 2 | $100,000 | $50,000 | $55,000 | $63,000 | $87,000 |
| Credit Application Incomplete | 2 | $380,000 | $190,000 | $315,000 | $88,000 | $141,000 |
| Other | 2 | $170,000 | $85,000 | $105,000 | $31,000 | $39,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $50,000 | $50,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $40,000 | $40,000 |
| 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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