Hettinger County, ND Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 52 mortgage applications in Hettinger County, ND totaling $4.8 million, up 30% from 2009. The average application was for $92,000, and applicants reported an average income of $60,000. 48% of applications resulted in an originated loan and 31% were denied. The most active lender was Wells Fargo Bank, NA, with 11 applications, followed by Dakota Community Bank & Trust, NA and Dacotah Bank.
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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 | $4,834,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $348,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 11 | $ 1,122,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 387,029,000 | 9 | $ 601,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,652,838,000 | 4 | $ 567,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 368,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 4 | $ 419,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 548,226,000 | 3 | $ 120,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 3 | $ 445,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,146,346,000 | 2 | $ 229,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 178,564,000 | 2 | $ 98,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 79,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 58,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 248,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 23,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 49,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 76,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 60,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 97,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 140,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 147,169,000 | 1 | $ 35,000 |
The tables below break down 2010 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 2010
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 | 23 | $2,176,000 | $94,000 | $261,000 | $45,000 | $120,000 |
| Refinancing | 22 | $2,208,000 | $100,000 | $425,000 | $76,000 | $348,000 |
| Home Improvement | 7 | $450,000 | $64,000 | $110,000 | $61,000 | $164,000 |
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 | 47 | $4,246,000 | $90,000 | $425,000 | $62,000 | $348,000 |
| Not Provided | 3 | $248,000 | $82,000 | $96,000 | $59,000 | $88,000 |
| Not applicable | 1 | $248,000 | $248,000 | $248,000 | $0 | $0 |
| Hispanic | 1 | $92,000 | $92,000 | $92,000 | $27,000 | $27,000 |
| 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 |
| 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) | 34 | $3,015,000 | $88,000 | $425,000 | $66,000 | $348,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,209,000 | $109,000 | $261,000 | $54,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $560,000 | $93,000 | $114,000 | $41,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 1 | $50,000 | $50,000 | $50,000 | $58,000 | $58,000 |
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 | 25 | $2,400,000 | $96,000 | $425,000 | $68,000 | $348,000 |
| Application Denied By Financial Institution | 16 | $1,250,000 | $78,000 | $261,000 | $50,000 | $164,000 |
| Loan Purchased By The Institution | 6 | $722,000 | $120,000 | $248,000 | $41,000 | $69,000 |
| Application Withdrawn By Applicant | 3 | $244,000 | $81,000 | $108,000 | $35,000 | $60,000 |
| File Closed For Incompleteness | 1 | $78,000 | $78,000 | $78,000 | $150,000 | $150,000 |
| Application Approved But Not Accepted | 1 | $140,000 | $140,000 | $140,000 | $122,000 | $122,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $517,000 | $103,000 | $261,000 | $51,000 | $88,000 |
| Credit History | 3 | $46,000 | $15,000 | $35,000 | $18,000 | $30,000 |
| Collateral | 2 | $333,000 | $166,000 | $236,000 | $63,000 | $106,000 |
| Credit Application Incomplete | 2 | $218,000 | $109,000 | $110,000 | $111,000 | $164,000 |
| Employment History | 1 | $49,000 | $49,000 | $49,000 | $35,000 | $35,000 |
| 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 |
| 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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