Hettinger County, ND Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 52 mortgage applications in Hettinger County, ND totaling $2.9 million, up 30% from 2004. The average application was for $56,000, and applicants reported an average income of $54,000. 42% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank, NA, with 5 applications, followed by Ameriquest Mortgage Company and Countrywide Home Loans.
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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 | 52 |
| Total Mortgage Loan Application Amount | $2,945,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $200,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $399,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 5 | $ 275,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 444,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 4 | $ 161,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 250,000,000 | 4 | $ 149,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 842,152,000 | 3 | $ 222,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 3 | $ 229,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 2 | $ 228,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 2 | $ 99,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 2 | $ 193,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 98,152,000 | 2 | $ 147,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 419,487,000 | 2 | $ 14,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,201,351,000 | 2 | $ 65,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 1 | $ 60,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 1 | $ 40,000 |
| Quick Loan Funding Inc 535 ANTON BLVD, SUITE 600 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 68,103,000 | 1 | $ 10,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 115,720,000 | 1 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 18,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 9,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 60,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 1 | $ 51,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 767,323,000 | 1 | $ 36,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 1 | $ 36,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 1 | $ 24,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 54,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 35,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,025,674,000 | 1 | $ 75,000 |
The tables below break down 2005 mortgage applications in Hettinger 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 Hettinger County, ND in 2005
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 | 22 | $1,110,000 | $50,000 | $138,000 | $34,000 | $126,000 |
| Refinancing | 22 | $1,465,000 | $66,000 | $174,000 | $76,000 | $399,000 |
| Home Improvement | 8 | $370,000 | $46,000 | $200,000 | $51,000 | $98,000 |
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 | 40 | $2,194,000 | $54,000 | $174,000 | $61,000 | $399,000 |
| Not Provided | 7 | $445,000 | $63,000 | $200,000 | $39,000 | $72,000 |
| Not applicable | 5 | $306,000 | $61,000 | $138,000 | $26,000 | $98,000 |
| 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) | 46 | $2,721,000 | $59,000 | $200,000 | $59,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 2 | $84,000 | $42,000 | $54,000 | $10,000 | $21,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $70,000 | $35,000 | $35,000 | $25,000 | $25,000 |
| VA-guaranteed (Veterans Administration) | 2 | $70,000 | $35,000 | $35,000 | $30,000 | $35,000 |
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 | 22 | $1,003,000 | $45,000 | $174,000 | $51,000 | $136,000 |
| Loan Purchased By The Institution | 9 | $482,000 | $53,000 | $138,000 | $31,000 | $98,000 |
| Application Denied By Financial Institution | 8 | $593,000 | $74,000 | $200,000 | $43,000 | $94,000 |
| Application Approved But Not Accepted | 6 | $281,000 | $46,000 | $92,000 | $110,000 | $399,000 |
| Application Withdrawn By Applicant | 5 | $417,000 | $83,000 | $114,000 | $56,000 | $110,000 |
| File Closed For Incompleteness | 2 | $169,000 | $84,000 | $91,000 | $43,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 3 | $310,000 | $103,000 | $200,000 | $58,000 | $94,000 |
| Unverifiable Information | 1 | $63,000 | $63,000 | $63,000 | $0 | $0 |
| Collateral | 1 | $51,000 | $51,000 | $51,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $79,000 | $79,000 | $79,000 | $72,000 | $72,000 |
| 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 |
| 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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