Grant County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 55 mortgage applications in Grant County, ND totaling $6.7 million, up 104% from 2020. The average application was for $121,000, and applicants reported an average income of $75,000. 49% of applications resulted in an originated loan and 15% were denied. The most active lender was First International Bank & Trust, with 18 applications, followed by Dakota Community Bank & Trust, NA and Citizens Bank, 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 | 55 |
| Total Mortgage Loan Application Amount | $6,695,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $235,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 18 | $ 1,540,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 862,614,000 | 6 | $ 770,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 455,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,376,396,000 | 3 | $ 315,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 535,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 2 | $ 100,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 300,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 290,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 760,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 370,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 220,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 215,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 1 | $ 75,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 358,802,000 | 1 | $ 75,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 122,122,000 | 1 | $ 175,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,671,850,000 | 1 | $ 125,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 540,918,000 | 1 | $ 85,000 |
The tables below break down 2021 mortgage applications in Grant 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 Grant County, ND in 2021
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 | $3,865,000 | $124,000 | $385,000 | $71,000 | $235,000 |
| Cash-out Refinancing | 12 | $1,370,000 | $114,000 | $205,000 | $84,000 | $139,000 |
| Refinancing | 10 | $1,250,000 | $125,000 | $215,000 | $74,000 | $189,000 |
| Other Purpose | 1 | $35,000 | $35,000 | $35,000 | $91,000 | $91,000 |
| Home Improvement | 1 | $175,000 | $175,000 | $175,000 | $105,000 | $105,000 |
| 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 | 43 | $5,145,000 | $119,000 | $385,000 | $78,000 | $235,000 |
| Not applicable | 6 | $890,000 | $148,000 | $215,000 | $92,000 | $93,000 |
| Not Provided | 4 | $560,000 | $140,000 | $185,000 | $64,000 | $89,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $18,000 | $18,000 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 41 | $5,065,000 | $123,000 | $385,000 | $84,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 8 | $920,000 | $115,000 | $195,000 | $43,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 5 | $645,000 | $129,000 | $215,000 | $60,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $28,000 | $28,000 |
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 | 27 | $3,425,000 | $126,000 | $385,000 | $84,000 | $235,000 |
| Application Withdrawn By Applicant | 10 | $1,060,000 | $106,000 | $375,000 | $63,000 | $125,000 |
| Application Denied By Financial Institution | 8 | $820,000 | $102,000 | $205,000 | $45,000 | $99,000 |
| Loan Purchased By The Institution | 7 | $1,045,000 | $149,000 | $215,000 | $74,000 | $93,000 |
| Application Approved But Not Accepted | 3 | $345,000 | $115,000 | $155,000 | $125,000 | $139,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 46 | $5,700,000 | $123,000 | $385,000 | $81,000 | $235,000 |
| Credit History | 5 | $475,000 | $95,000 | $205,000 | $49,000 | $85,000 |
| Debt-To-Income Ratio | 1 | $175,000 | $175,000 | $175,000 | $105,000 | $105,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $19,000 | $19,000 |
| Collateral | 1 | $205,000 | $205,000 | $205,000 | $99,000 | $99,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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