Golden Valley County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 30 mortgage applications in Golden Valley County, ND totaling $3.5 million, down 3% from 2022. The average application was for $115,000, and applicants reported an average income of $63,000. 47% of applications resulted in an originated loan and 3% were denied. The most active lender was Western Cooperative Credit Union, with 4 applications, followed by BMO Harris Bank NA 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 | 30 |
| Total Mortgage Loan Application Amount | $3,450,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $265,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $124,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 445,944,000 | 4 | $ 470,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 3 | $ 335,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,240,396,000 | 2 | $ 110,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 265,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 65,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 1 | $ 45,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,398,640,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 215,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 145,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 145,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 145,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ -1,000 | 1 | $ 145,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 35,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 4,229,093,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 265,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 135,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2023 mortgage applications in Golden Valley 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 Golden Valley 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 | 20 | $2,610,000 | $130,000 | $265,000 | $61,000 | $114,000 |
| Cash-out Refinancing | 5 | $405,000 | $81,000 | $125,000 | $57,000 | $99,000 |
| Home Improvement | 4 | $220,000 | $55,000 | $55,000 | $59,000 | $69,000 |
| Other Purpose | 1 | $215,000 | $215,000 | $215,000 | $124,000 | $124,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 21 | $2,465,000 | $117,000 | $265,000 | $65,000 | $124,000 |
| Not applicable | 6 | $810,000 | $135,000 | $265,000 | $0 | $0 |
| Hispanic | 2 | $120,000 | $60,000 | $65,000 | $41,000 | $54,000 |
| Not Provided | 1 | $55,000 | $55,000 | $55,000 | $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 |
| 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) | 17 | $1,965,000 | $115,000 | $265,000 | $61,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 5 | $585,000 | $117,000 | $215,000 | $73,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $665,000 | $133,000 | $145,000 | $68,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 3 | $235,000 | $78,000 | $85,000 | $53,000 | $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 | 14 | $1,750,000 | $125,000 | $265,000 | $65,000 | $124,000 |
| Loan Purchased By The Institution | 6 | $810,000 | $135,000 | $265,000 | $0 | $0 |
| Application Withdrawn By Applicant | 5 | $355,000 | $71,000 | $135,000 | $55,000 | $67,000 |
| File Closed For Incompleteness | 3 | $215,000 | $71,000 | $125,000 | $66,000 | $99,000 |
| Application Denied By Financial Institution | 1 | $105,000 | $105,000 | $105,000 | $25,000 | $25,000 |
| Preapproval Approved but not Accepted | 1 | $215,000 | $215,000 | $215,000 | $92,000 | $92,000 |
| 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 | 29 | $3,345,000 | $115,000 | $265,000 | $64,000 | $124,000 |
| Debt-To-Income Ratio | 1 | $105,000 | $105,000 | $105,000 | $25,000 | $25,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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