Hettinger County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 46 mortgage applications in Hettinger County, ND totaling $8.5 million, up 24% from 2022. The average application was for $185,000, and applicants reported an average income of $116,000. 39% of applications resulted in an originated loan and 9% were denied. The most active lender was Bank of England, with 4 applications, followed by Discover Bank and Navy Federal Credit Union.
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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 | 46 |
| Total Mortgage Loan Application Amount | $8,530,000 |
| Average Mortgage Loan Application Amount | $185,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $780,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 4 | $ 1,140,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 4 | $ 510,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 405,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 724,151,000 | 3 | $ 625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 155,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,240,396,000 | 3 | $ 425,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 350,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 230,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 540,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 450,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 2 | $ 320,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 680,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 405,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ 325,749,000 | 1 | $ 605,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 195,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 185,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 162,148,000 | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 185,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 445,944,000 | 1 | $ 75,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 1 | $ 45,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 1 | $ 405,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 6,029,685,000 | 1 | $ 175,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 55,000 |
| The Union Bank 1700 HWY 49 NORTH BEULAH, ND 58523 |
* | $ 259,560,000 | 1 | $ 205,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 35,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2023 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 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 | 31 | $5,775,000 | $186,000 | $605,000 | $134,000 | $780,000 |
| Other Purpose | 6 | $600,000 | $100,000 | $205,000 | $106,000 | $169,000 |
| Refinancing | 6 | $1,950,000 | $325,000 | $595,000 | $73,000 | $118,000 |
| Cash-out Refinancing | 2 | $130,000 | $65,000 | $75,000 | $26,000 | $27,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $137,000 | $137,000 |
| 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 | 37 | $6,655,000 | $179,000 | $605,000 | $119,000 | $780,000 |
| Not applicable | 8 | $1,800,000 | $225,000 | $405,000 | $86,000 | $86,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
| 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 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) | 31 | $5,695,000 | $183,000 | $605,000 | $133,000 | $780,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,735,000 | $192,000 | $405,000 | $70,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,045,000 | $209,000 | $235,000 | $81,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
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 | 18 | $3,460,000 | $192,000 | $595,000 | $91,000 | $179,000 |
| Application Withdrawn By Applicant | 11 | $1,795,000 | $163,000 | $385,000 | $106,000 | $267,000 |
| Loan Purchased By The Institution | 9 | $1,995,000 | $221,000 | $405,000 | $129,000 | $173,000 |
| Application Denied By Financial Institution | 4 | $340,000 | $85,000 | $205,000 | $91,000 | $169,000 |
| File Closed For Incompleteness | 2 | $280,000 | $140,000 | $205,000 | $132,000 | $168,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
| Preapproval Approved but not Accepted | 1 | $605,000 | $605,000 | $605,000 | $780,000 | $780,000 |
| 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 | 40 | $7,930,000 | $198,000 | $605,000 | $116,000 | $780,000 |
| Collateral | 2 | $250,000 | $125,000 | $205,000 | $102,000 | $169,000 |
| Credit History | 2 | $90,000 | $45,000 | $45,000 | $81,000 | $82,000 |
| Debt-To-Income Ratio | 2 | $260,000 | $130,000 | $205,000 | $170,000 | $267,000 |
| 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 |
| 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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