Golden Valley County, ND Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 31 mortgage applications in Golden Valley County, ND totaling $2.4 million, up 11% from 2008. The average application was for $78,000, and applicants reported an average income of $62,000. 48% of applications resulted in an originated loan and 10% were denied. The most active lender was Bank of the West, with 5 applications, followed by Wells Fargo Bank, NA and Dacotah 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 | 31 |
| Total Mortgage Loan Application Amount | $2,437,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $156,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $170,000 |
Top Mortgage Lenders in Golden Valley County, ND (2009)
Ranked by the number of mortgage applications each lender reported in Golden Valley County, ND in 2009.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Bank of the West Monterey Park, CA |
5 | $371,000 | $74,000 | $70,000 |
| 2 | Wells Fargo Bank, NA Des Moines, IA |
5 | $492,000 | $98,000 | $78,000 |
| 3 | Dacotah Bank Aberdeen, SD |
5 | $348,000 | $69,000 | $65,000 |
| 4 | JPMorgan Chase Bank, NA Columbus, OH |
3 | $278,000 | $92,000 | $22,000 |
| 5 | Citimortgage, Inc New York, NY |
2 | $232,000 | $116,000 | $106,000 |
| 6 | First Interstate Bank Billings, MT |
1 | $36,000 | $36,000 | $47,000 |
| 7 | Suntrust Mortgage, Inc Richmond, VA |
1 | $83,000 | $83,000 | $36,000 |
| 8 | Citibank, N.A. New York, NY |
1 | $78,000 | $78,000 | $0 |
| 9 | Bank of America, N.A. Calabasas, CA |
1 | $56,000 | $56,000 | $66,000 |
| 10 | Stockman Bank of Montana Miles City, MT |
1 | $56,000 | $56,000 | $66,000 |
See every lender active in Golden Valley County, ND in 2009 »
The tables below break down 2009 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 2009
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 | 17 | $1,413,000 | $83,000 | $133,000 | $60,000 | $120,000 |
| Refinancing | 11 | $851,000 | $77,000 | $156,000 | $61,000 | $170,000 |
| Home Improvement | 3 | $173,000 | $57,000 | $73,000 | $69,000 | $90,000 |
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 | 26 | $2,119,000 | $81,000 | $156,000 | $66,000 | $170,000 |
| Not applicable | 2 | $121,000 | $60,000 | $78,000 | $0 | $0 |
| Hispanic | 2 | $124,000 | $62,000 | $62,000 | $102,000 | $137,000 |
| Not Provided | 1 | $73,000 | $73,000 | $73,000 | $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) | 21 | $1,620,000 | $77,000 | $131,000 | $71,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $506,000 | $84,000 | $133,000 | $29,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 2 | $112,000 | $56,000 | $56,000 | $66,000 | $66,000 |
| FHA-insured (Federal Housing Administration) | 2 | $199,000 | $99,000 | $156,000 | $52,000 | $105,000 |
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 | 15 | $1,072,000 | $71,000 | $133,000 | $65,000 | $137,000 |
| Loan Purchased By The Institution | 6 | $455,000 | $75,000 | $133,000 | $22,000 | $68,000 |
| Application Denied By Financial Institution | 3 | $277,000 | $92,000 | $128,000 | $85,000 | $120,000 |
| Application Withdrawn By Applicant | 3 | $367,000 | $122,000 | $156,000 | $100,000 | $170,000 |
| File Closed For Incompleteness | 2 | $166,000 | $83,000 | $93,000 | $31,000 | $63,000 |
| Application Approved But Not Accepted | 2 | $100,000 | $50,000 | $50,000 | $90,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Mortgage Insurance Denied | 2 | $232,000 | $116,000 | $128,000 | $106,000 | $120,000 |
| 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 |
| 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 |
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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