Grant County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 32 mortgage applications in Grant County, ND totaling $4.0 million, down 18% from 2022. The average application was for $126,000, and applicants reported an average income of $100,000. 59% of applications resulted in an originated loan and 12% were denied. The most active lender was First International Bank & Trust, with 10 applications, followed by Dakota Community Bank & Trust, NA and Gold Star Mortgage Financial Group, Corporation.
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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 | 32 |
| Total Mortgage Loan Application Amount | $4,040,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $390,000 |
| 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 |
* | $ 4,910,204,000 | 10 | $ 1,030,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,240,396,000 | 5 | $ 505,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 2 | $ 330,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 160,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 2 | $ 440,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 135,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 165,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 215,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,195,944,000 | 1 | $ 105,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 724,151,000 | 1 | $ 255,000 |
| Vue Community Credit Union 818 E MAIN AVE BISMARCK, ND 58501 |
* | $ 89,099,000 | 1 | $ 155,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,801,604,000 | 1 | $ 25,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 1 | $ 115,000 |
The tables below break down 2023 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 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 | 19 | $2,275,000 | $119,000 | $255,000 | $94,000 | $390,000 |
| Refinancing | 7 | $1,225,000 | $175,000 | $405,000 | $153,000 | $268,000 |
| Other Purpose | 4 | $410,000 | $102,000 | $185,000 | $58,000 | $91,000 |
| Cash-out Refinancing | 1 | $105,000 | $105,000 | $105,000 | $36,000 | $36,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $55,000 | $55,000 |
| 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 | 24 | $2,660,000 | $110,000 | $255,000 | $92,000 | $390,000 |
| Not Provided | 6 | $1,220,000 | $203,000 | $405,000 | $132,000 | $191,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $105,000 | $0 | $0 |
| 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 |
| Not applicable | 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) | 26 | $3,420,000 | $131,000 | $405,000 | $103,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 3 | $295,000 | $98,000 | $135,000 | $112,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $180,000 | $90,000 | $135,000 | $62,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 1 | $145,000 | $145,000 | $145,000 | $68,000 | $68,000 |
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 | 19 | $2,355,000 | $123,000 | $405,000 | $94,000 | $390,000 |
| Application Withdrawn By Applicant | 6 | $920,000 | $153,000 | $185,000 | $107,000 | $149,000 |
| Application Denied By Financial Institution | 4 | $440,000 | $110,000 | $205,000 | $46,000 | $91,000 |
| File Closed For Incompleteness | 2 | $270,000 | $135,000 | $155,000 | $237,000 | $268,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 27 | $3,445,000 | $127,000 | $405,000 | $105,000 | $390,000 |
| Debt-To-Income Ratio | 3 | $465,000 | $155,000 | $205,000 | $75,000 | $184,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $91,000 | $91,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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