Emmons County, ND Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 44 mortgage applications in Emmons County, ND totaling $6.6 million, down 6% from 2023. The average application was for $150,000, and applicants reported an average income of $93,000. 64% of applications resulted in an originated loan and 5% were denied. The most active lender was Unison Bank, with 5 applications, followed by First Community Credit Union and First Federal Bank.
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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 | 44 |
| Total Mortgage Loan Application Amount | $6,620,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $256,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ n/a | 5 | $ 575,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 3 | $ 205,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 3 | $ 455,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 3 | $ 595,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 405,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ n/a | 2 | $ 390,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 520,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 110,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ n/a | 2 | $ 640,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 320,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 2 | $ 240,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 2 | $ 240,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 215,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 165,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 195,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 165,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 265,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 1 | $ 165,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 45,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 105,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 55,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2024 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 2024
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 | 28 | $4,620,000 | $165,000 | $485,000 | $98,000 | $256,000 |
| Cash-out Refinancing | 7 | $1,105,000 | $157,000 | $455,000 | $97,000 | $125,000 |
| Refinancing | 6 | $750,000 | $125,000 | $355,000 | $92,000 | $145,000 |
| Other Purpose | 2 | $60,000 | $30,000 | $55,000 | $36,000 | $37,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $92,000 | $92,000 |
| 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 | 34 | $5,240,000 | $154,000 | $485,000 | $95,000 | $256,000 |
| Not applicable | 4 | $740,000 | $185,000 | $455,000 | $0 | $0 |
| Not Provided | 4 | $550,000 | $137,000 | $195,000 | $87,000 | $125,000 |
| American Indian or Alaskan Native | 2 | $90,000 | $45,000 | $55,000 | $71,000 | $84,000 |
| 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) | 31 | $4,275,000 | $137,000 | $485,000 | $101,000 | $256,000 |
| FHA-insured (Federal Housing Administration) | 6 | $580,000 | $96,000 | $165,000 | $48,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,680,000 | $280,000 | $455,000 | $115,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
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 | 28 | $4,350,000 | $155,000 | $485,000 | $99,000 | $256,000 |
| Application Withdrawn By Applicant | 10 | $1,340,000 | $134,000 | $215,000 | $74,000 | $200,000 |
| File Closed For Incompleteness | 2 | $110,000 | $55,000 | $55,000 | $91,000 | $125,000 |
| Application Denied By Financial Institution | 2 | $300,000 | $150,000 | $195,000 | $116,000 | $144,000 |
| Loan Purchased By The Institution | 2 | $520,000 | $260,000 | $455,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 33 | $4,865,000 | $147,000 | $455,000 | $89,000 | $200,000 |
| Debt-To-Income Ratio | 9 | $1,455,000 | $161,000 | $485,000 | $103,000 | $256,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $89,000 | $89,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $144,000 | $144,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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