Divide County, ND Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 46 mortgage applications in Divide County, ND totaling $6.4 million, up 5% from 2015. The average application was for $138,000, and applicants reported an average income of $82,000. 43% of applications resulted in an originated loan and 30% were denied. The most active lender was loanDepot.com LLC, with 6 applications, followed by Wells Fargo Bank NA and Barrington Bank & Trust Company, 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 | 46 |
| Total Mortgage Loan Application Amount | $6,386,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $292,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 817,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 5 | $ 816,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 5 | $ 524,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,888,081,000 | 3 | $ 418,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,136,230,000 | 3 | $ 664,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 2 | $ 619,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 253,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 332,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 903,318,000 | 2 | $ 136,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 2 | $ 304,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 186,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 224,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 168,964,000 | 1 | $ 56,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 130,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 20,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 542,525,000 | 1 | $ 94,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 151,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 111,000 |
The tables below break down 2016 mortgage applications in Divide 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 Divide County, ND in 2016
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 | 27 | $3,718,000 | $137,000 | $417,000 | $76,000 | $292,000 |
| Refinancing | 17 | $2,643,000 | $155,000 | $416,000 | $92,000 | $240,000 |
| Home Improvement | 2 | $25,000 | $12,000 | $20,000 | $69,000 | $139,000 |
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 | 39 | $5,253,000 | $134,000 | $417,000 | $93,000 | $292,000 |
| Not applicable | 6 | $1,099,000 | $183,000 | $416,000 | $0 | $0 |
| Not Provided | 1 | $34,000 | $34,000 | $34,000 | $140,000 | $140,000 |
| 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 Hawaiin 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) | 26 | $3,448,000 | $132,000 | $417,000 | $85,000 | $292,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,014,000 | $134,000 | $205,000 | $80,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 3 | $634,000 | $211,000 | $224,000 | $78,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $290,000 | $145,000 | $159,000 | $56,000 | $59,000 |
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 | 20 | $2,741,000 | $137,000 | $417,000 | $90,000 | $292,000 |
| Application Denied By Financial Institution | 14 | $1,633,000 | $116,000 | $200,000 | $95,000 | $240,000 |
| Loan Purchased By The Institution | 6 | $1,229,000 | $204,000 | $416,000 | $9,000 | $58,000 |
| Application Withdrawn By Applicant | 4 | $447,000 | $111,000 | $186,000 | $73,000 | $119,000 |
| File Closed For Incompleteness | 1 | $111,000 | $111,000 | $111,000 | $73,000 | $73,000 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $200,000 | $200,000 |
| 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 | 3 | $286,000 | $95,000 | $160,000 | $40,000 | $94,000 |
| Credit Application Incomplete | 2 | $180,000 | $90,000 | $160,000 | $124,000 | $139,000 |
| Mortgage Insurance Denied | 1 | $33,000 | $33,000 | $33,000 | $79,000 | $79,000 |
| Other | 1 | $131,000 | $131,000 | $131,000 | $54,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
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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