Emmons County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 61 mortgage applications in Emmons County, ND totaling $7.1 million, up 85% from 2012. The average application was for $116,000, and applicants reported an average income of $98,000. 51% of applications resulted in an originated loan and 18% were denied. The most active lender was BNC National Bank, with 10 applications, followed by Wells Fargo Bank NA 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 | 61 |
| Total Mortgage Loan Application Amount | $7,090,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $298,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $2,407,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 10 | $ 1,510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 10 | $ 1,212,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 5 | $ 468,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 353,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 454,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 978,576,000 | 4 | $ 645,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 2 | $ 261,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 672,945,000 | 2 | $ 118,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 2 | $ 148,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 117,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 72,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 92,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 813,087,000 | 1 | $ 44,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 64,029,000 | 1 | $ 75,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 259,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 196,961,000 | 1 | $ 200,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 990,471,000 | 1 | $ 81,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 51,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 117,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 63,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 162,316,000 | 1 | $ 38,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 148,000 |
The tables below break down 2013 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 2013
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 | 31 | $3,316,000 | $106,000 | $260,000 | $55,000 | $138,000 |
| Refinancing | 25 | $3,454,000 | $138,000 | $298,000 | $161,000 | $2,407,000 |
| Home Improvement | 5 | $320,000 | $64,000 | $85,000 | $47,000 | $86,000 |
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 | 51 | $5,826,000 | $114,000 | $298,000 | $105,000 | $2,407,000 |
| Not applicable | 5 | $546,000 | $109,000 | $245,000 | $15,000 | $75,000 |
| Not Provided | 4 | $637,000 | $159,000 | $275,000 | $121,000 | $187,000 |
| Black or African American | 1 | $81,000 | $81,000 | $81,000 | $45,000 | $45,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 46 | $5,548,000 | $120,000 | $298,000 | $65,000 | $195,000 |
| FHA-insured (Federal Housing Administration) | 9 | $923,000 | $102,000 | $245,000 | $37,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 4 | $420,000 | $105,000 | $259,000 | $642,000 | $2,407,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $199,000 | $99,000 | $117,000 | $34,000 | $38,000 |
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 | 31 | $3,018,000 | $97,000 | $259,000 | $57,000 | $138,000 |
| Application Denied By Financial Institution | 11 | $1,680,000 | $152,000 | $288,000 | $83,000 | $195,000 |
| Loan Purchased By The Institution | 10 | $1,117,000 | $111,000 | $245,000 | $41,000 | $96,000 |
| Application Withdrawn By Applicant | 5 | $936,000 | $187,000 | $298,000 | $63,000 | $80,000 |
| File Closed For Incompleteness | 2 | $226,000 | $113,000 | $175,000 | $1,255,000 | $2,407,000 |
| Application Approved But Not Accepted | 2 | $113,000 | $56,000 | $72,000 | $32,000 | $34,000 |
| 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 | 3 | $575,000 | $191,000 | $238,000 | $112,000 | $187,000 |
| Other | 2 | $89,000 | $44,000 | $53,000 | $48,000 | $49,000 |
| Credit History | 2 | $318,000 | $159,000 | $238,000 | $137,000 | $195,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $97,000 | $97,000 |
| Debt-To-Income Ratio | 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 |
| 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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