Emmons County, ND Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 33 mortgage applications in Emmons County, ND totaling $2.6 million, down 41% from 2011. The average application was for $79,000, and applicants reported an average income of $59,000. 42% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank NA, with 7 applications, followed by BNC National 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 | 33 |
| Total Mortgage Loan Application Amount | $2,639,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $236,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $121,000 |
| 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 | 7 | $ 633,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 4 | $ 108,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 570,006,000 | 2 | $ 150,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 381,178,000 | 2 | $ 76,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 203,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 154,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 50,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 118,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 60,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 924,641,000 | 1 | $ 157,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 50,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 106,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 45,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 118,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 71,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 266,422,000 | 1 | $ 72,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 49,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 120,000 |
The tables below break down 2012 mortgage applications in Emmons 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 Emmons 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 |
|---|---|---|---|---|---|---|
| Refinancing | 17 | $1,561,000 | $91,000 | $236,000 | $68,000 | $114,000 |
| Home Purchase | 13 | $947,000 | $72,000 | $157,000 | $46,000 | $121,000 |
| Home Improvement | 3 | $131,000 | $43,000 | $88,000 | $65,000 | $88,000 |
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 | 28 | $2,333,000 | $83,000 | $236,000 | $63,000 | $121,000 |
| Not applicable | 4 | $246,000 | $61,000 | $118,000 | $28,000 | $114,000 |
| Not Provided | 1 | $60,000 | $60,000 | $60,000 | $73,000 | $73,000 |
| 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 Hawaiian 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) | 23 | $1,860,000 | $80,000 | $236,000 | $72,000 | $121,000 |
| FHA-insured (Federal Housing Administration) | 5 | $420,000 | $84,000 | $197,000 | $34,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 4 | $303,000 | $75,000 | $106,000 | $17,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $56,000 | $56,000 | $56,000 | $40,000 | $40,000 |
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 | 14 | $1,189,000 | $84,000 | $236,000 | $54,000 | $121,000 |
| Loan Purchased By The Institution | 6 | $406,000 | $67,000 | $118,000 | $46,000 | $114,000 |
| Application Denied By Financial Institution | 5 | $561,000 | $112,000 | $197,000 | $64,000 | $102,000 |
| File Closed For Incompleteness | 4 | $206,000 | $51,000 | $60,000 | $76,000 | $88,000 |
| Application Withdrawn By Applicant | 3 | $157,000 | $52,000 | $102,000 | $69,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $120,000 | $120,000 | $120,000 | $85,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $305,000 | $152,000 | $197,000 | $86,000 | $102,000 |
| Credit History | 1 | $40,000 | $40,000 | $40,000 | $88,000 | $88,000 |
| Debt-To-Income Ratio | 1 | $110,000 | $110,000 | $110,000 | $23,000 | $23,000 |
| 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 |
| Other | 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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