Dunn County, ND Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 89 mortgage applications in Dunn County, ND totaling $12.5 million, down 16% from 2011. The average application was for $139,000, and applicants reported an average income of $94,000. 48% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 21 applications, followed by Bravera Bank and First International Bank & Trust.
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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 | 89 |
| Total Mortgage Loan Application Amount | $12,451,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $426,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 21 | $ 3,432,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 896,529,000 | 11 | $ 1,471,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,088,724,000 | 7 | $ 802,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 570,006,000 | 7 | $ 965,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 5 | $ 816,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 384,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 221,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,403,013,000 | 3 | $ 473,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,902,620,000 | 3 | $ 706,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 254,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 198,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 2 | $ 152,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 302,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 300,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 55,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 239,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 241,087,000 | 1 | $ 160,000 |
| Bremer Bank NA (St Cloud) 1100 ST GERMAIN ST CLOUD, MN 56301 |
* | $ 608,648,000 | 1 | $ 52,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 284,555,000 | 1 | $ 72,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 153,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 52,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 307,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 44,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 140,532,000 | 1 | $ 108,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 131,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 1 | $ 172,000 |
The tables below break down 2012 mortgage applications in Dunn 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 Dunn County, ND in 2012
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 | 47 | $5,959,000 | $126,000 | $400,000 | $93,000 | $426,000 |
| Refinancing | 37 | $5,877,000 | $158,000 | $400,000 | $88,000 | $343,000 |
| Home Improvement | 5 | $615,000 | $123,000 | $160,000 | $143,000 | $274,000 |
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 | 74 | $9,970,000 | $134,000 | $400,000 | $94,000 | $354,000 |
| Not applicable | 8 | $1,367,000 | $170,000 | $260,000 | $11,000 | $90,000 |
| Not Provided | 5 | $874,000 | $174,000 | $250,000 | $237,000 | $426,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $64,000 | $64,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $60,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 70 | $9,433,000 | $134,000 | $400,000 | $106,000 | $426,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,001,000 | $142,000 | $260,000 | $45,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $403,000 | $134,000 | $153,000 | $48,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 2 | $614,000 | $307,000 | $307,000 | $83,000 | $83,000 |
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 | 43 | $5,990,000 | $139,000 | $400,000 | $98,000 | $354,000 |
| Application Denied By Financial Institution | 14 | $2,074,000 | $148,000 | $400,000 | $98,000 | $426,000 |
| Loan Purchased By The Institution | 13 | $2,270,000 | $174,000 | $307,000 | $42,000 | $176,000 |
| Application Approved But Not Accepted | 9 | $876,000 | $97,000 | $200,000 | $77,000 | $137,000 |
| Application Withdrawn By Applicant | 7 | $869,000 | $124,000 | $200,000 | $97,000 | $164,000 |
| File Closed For Incompleteness | 3 | $372,000 | $124,000 | $150,000 | $266,000 | $343,000 |
| 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 | 4 | $923,000 | $230,000 | $400,000 | $70,000 | $155,000 |
| Other | 2 | $243,000 | $121,000 | $191,000 | $285,000 | $426,000 |
| Credit History | 2 | $332,000 | $166,000 | $172,000 | $80,000 | $93,000 |
| Collateral | 1 | $142,000 | $142,000 | $142,000 | $75,000 | $75,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $60,000 | $60,000 |
| Employment History | 1 | $82,000 | $82,000 | $82,000 | $26,000 | $26,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $101,000 | $101,000 |
| Mortgage Insurance Denied | 1 | $197,000 | $197,000 | $197,000 | $76,000 | $76,000 |
| Unverifiable Information | 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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