Griggs County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 26 mortgage applications in Griggs County, ND totaling $2.9 million, down 33% from 2022. The average application was for $110,000, and applicants reported an average income of $66,000. 73% of applications resulted in an originated loan and 4% were denied. The most active lender was Bank Forward, with 8 applications, followed by First Community Credit Union and Finance of America Reverse LLC.
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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 | 26 |
| Total Mortgage Loan Application Amount | $2,880,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $182,000 |
| 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 |
* | $ 896,699,000 | 8 | $ 720,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,195,944,000 | 3 | $ 205,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 95,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 35,000 |
| Hometown Community Bank ALEXANDRIA, MN 56308 |
* | $ 80,926,000 | 1 | $ 45,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,589,007,000 | 1 | $ 75,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 1 | $ 165,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 1 | $ 75,000 |
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ 676,375,000 | 1 | $ 245,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 225,000 |
The tables below break down 2023 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 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 | 16 | $2,210,000 | $138,000 | $245,000 | $71,000 | $182,000 |
| Cash-out Refinancing | 4 | $340,000 | $85,000 | $165,000 | $70,000 | $126,000 |
| Refinancing | 4 | $200,000 | $50,000 | $75,000 | $46,000 | $59,000 |
| Other Purpose | 1 | $95,000 | $95,000 | $95,000 | $28,000 | $28,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $72,000 | $72,000 |
| 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 | 18 | $1,770,000 | $98,000 | $245,000 | $67,000 | $182,000 |
| Not Provided | 6 | $810,000 | $135,000 | $225,000 | $64,000 | $88,000 |
| Not applicable | 2 | $300,000 | $150,000 | $225,000 | $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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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 | $2,235,000 | $106,000 | $245,000 | $65,000 | $182,000 |
| FHA-insured (Federal Housing Administration) | 5 | $645,000 | $129,000 | $215,000 | $70,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | $2,155,000 | $113,000 | $245,000 | $70,000 | $182,000 |
| Application Withdrawn By Applicant | 4 | $320,000 | $80,000 | $225,000 | $45,000 | $75,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $88,000 | $88,000 |
| Application Denied By Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $59,000 | $59,000 |
| Loan Purchased By The Institution | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 23 | $2,525,000 | $109,000 | $225,000 | $62,000 | $137,000 |
| Debt-To-Income Ratio | 2 | $290,000 | $145,000 | $245,000 | $112,000 | $182,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $59,000 | $59,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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