Dunn County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 86 mortgage applications in Dunn County, ND totaling $15.5 million, down 26% from 2022. The average application was for $179,000, and applicants reported an average income of $118,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was Bravera Bank, with 10 applications, followed by Bravera Bank and Dakota Community Bank & Trust, 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 | 86 |
| Total Mortgage Loan Application Amount | $15,470,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $398,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,398,640,000 | 10 | $ 2,010,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ -1,000 | 10 | $ 2,010,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,240,396,000 | 8 | $ 2,040,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 8 | $ 1,500,000 |
| The Union Bank 1700 HWY 49 NORTH BEULAH, ND 58523 |
* | $ 259,560,000 | 7 | $ 825,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 5 | $ 675,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 445,944,000 | 3 | $ 215,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 315,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 3 | $ 425,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 3 | $ 165,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,589,007,000 | 3 | $ 225,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 170,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 724,151,000 | 2 | $ 230,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 720,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 1,304,394,000 | 2 | $ 380,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 620,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 2 | $ 230,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 700,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 110,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 75,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 445,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 395,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 4,229,093,000 | 1 | $ 505,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 545,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 55,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 365,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 195,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 135,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 252,801,000 | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 205,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 1 | $ 55,000 |
The tables below break down 2023 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 2023
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 | 52 | $10,690,000 | $205,000 | $555,000 | $101,000 | $398,000 |
| Cash-out Refinancing | 12 | $1,950,000 | $162,000 | $395,000 | $117,000 | $197,000 |
| Refinancing | 9 | $1,685,000 | $187,000 | $545,000 | $155,000 | $398,000 |
| Home Improvement | 8 | $540,000 | $67,000 | $105,000 | $182,000 | $222,000 |
| Other Purpose | 5 | $605,000 | $121,000 | $195,000 | $90,000 | $148,000 |
| 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 | 62 | $10,390,000 | $167,000 | $545,000 | $110,000 | $398,000 |
| Not Provided | 11 | $2,075,000 | $188,000 | $445,000 | $134,000 | $220,000 |
| Not applicable | 9 | $2,465,000 | $273,000 | $555,000 | $398,000 | $398,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $85,000 | $117,000 | $196,000 |
| Hispanic | 2 | $390,000 | $195,000 | $195,000 | $0 | $0 |
| 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) | 52 | $8,220,000 | $158,000 | $555,000 | $128,000 | $398,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,895,000 | $193,000 | $365,000 | $97,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,220,000 | $122,000 | $205,000 | $74,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 9 | $3,135,000 | $348,000 | $445,000 | $131,000 | $206,000 |
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 | 52 | $9,380,000 | $180,000 | $555,000 | $113,000 | $398,000 |
| Application Denied By Financial Institution | 11 | $2,015,000 | $183,000 | $505,000 | $143,000 | $222,000 |
| Application Withdrawn By Applicant | 11 | $2,145,000 | $195,000 | $385,000 | $94,000 | $158,000 |
| Loan Purchased By The Institution | 9 | $1,655,000 | $183,000 | $545,000 | $398,000 | $398,000 |
| Application Approved But Not Accepted | 2 | $170,000 | $85,000 | $115,000 | $63,000 | $65,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $150,000 | $150,000 |
| 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 | 68 | $12,630,000 | $185,000 | $555,000 | $120,000 | $398,000 |
| Debt-To-Income Ratio | 10 | $1,770,000 | $177,000 | $505,000 | $85,000 | $197,000 |
| Collateral | 5 | $645,000 | $129,000 | $365,000 | $160,000 | $177,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $104,000 | $104,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $27,000 | $27,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $222,000 | $222,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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