Griggs County, ND Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 60 mortgage applications in Griggs County, ND totaling $2.8 million, down 20% from 2003. The average application was for $46,000, and applicants reported an average income of $41,000. 65% of applications resulted in an originated loan and 13% were denied. The most active lender was Bank Forward, with 14 applications, followed by Wells Fargo Bank, NA and Ameriquest Mortgage Company.
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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 | 60 |
| Total Mortgage Loan Application Amount | $2,818,000 |
| Average Mortgage Loan Application Amount | $46,000 |
| Highest Mortgage Loan Application Amount | $200,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $450,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 246,077,000 | 14 | $ 422,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 11 | $ 741,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 402,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 5 | $ 140,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 29,300,245,000 | 3 | $ 22,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 993,545,000 | 3 | $ 258,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 216,335,000 | 2 | $ 27,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 80,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 92,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 1 | $ 54,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 1 | $ 35,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 48,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 148,377,000 | 1 | $ 11,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 529,880,000 | 1 | $ 55,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 91,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 725,598,000 | 1 | $ 6,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 38,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 384,984,000 | 1 | $ 98,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 1 | $ 105,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 22,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 15,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 251,383,000 | 1 | $ 21,000 |
The tables below break down 2004 mortgage applications in Griggs 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 Griggs County, ND in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 30 | $1,961,000 | $65,000 | $200,000 | $52,000 | $450,000 |
| Home Purchase | 17 | $654,000 | $38,000 | $90,000 | $32,000 | $72,000 |
| Home Improvement | 13 | $203,000 | $15,000 | $60,000 | $29,000 | $46,000 |
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 | 57 | $2,584,000 | $45,000 | $200,000 | $43,000 | $450,000 |
| Not applicable | 2 | $146,000 | $73,000 | $92,000 | $0 | $0 |
| Black or African American | 1 | $88,000 | $88,000 | $88,000 | $59,000 | $59,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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 |
| Not Provided | 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) | 52 | $2,419,000 | $46,000 | $200,000 | $43,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 4 | $202,000 | $50,000 | $77,000 | $30,000 | $41,000 |
| VA-guaranteed (Veterans Administration) | 3 | $175,000 | $58,000 | $90,000 | $45,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $22,000 | $22,000 | $22,000 | $17,000 | $17,000 |
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 | 39 | $1,897,000 | $48,000 | $200,000 | $48,000 | $450,000 |
| Application Denied By Financial Institution | 8 | $225,000 | $28,000 | $60,000 | $29,000 | $54,000 |
| Application Approved But Not Accepted | 4 | $101,000 | $25,000 | $46,000 | $24,000 | $61,000 |
| Application Withdrawn By Applicant | 3 | $108,000 | $36,000 | $55,000 | $61,000 | $122,000 |
| File Closed For Incompleteness | 3 | $250,000 | $83,000 | $90,000 | $49,000 | $59,000 |
| Loan Purchased By The Institution | 3 | $237,000 | $79,000 | $92,000 | $17,000 | $52,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $18,000 | $6,000 | $6,000 | $21,000 | $27,000 |
| Other | 2 | $100,000 | $50,000 | $60,000 | $45,000 | $46,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $54,000 | $54,000 |
| Debt-To-Income Ratio | 1 | $40,000 | $40,000 | $40,000 | $7,000 | $7,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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