Kidder County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 62 mortgage applications in Kidder County, ND totaling $14.2 million, up 68% from 2024. The average application was for $228,000, and applicants reported an average income of $145,000. 63% of applications resulted in an originated loan and 8% were denied. The most active lender was First Community Credit Union, with 8 applications, followed by Choice Financial Group and Dakota Community Bank & Trust, NA.
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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 | 62 |
| Total Mortgage Loan Application Amount | $14,150,000 |
| Average Mortgage Loan Application Amount | $228,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $145,000 |
| Highest Applicant Income | $472,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 8 | $ 1,290,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 6 | $ 1,400,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 6 | $ 1,540,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ n/a | 4 | $ 260,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ n/a | 4 | $ 650,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 3 | $ 625,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 3 | $ 395,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 3 | $ 625,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 570,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 2 | $ 810,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 550,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 1,190,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 70,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 2 | $ 880,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 2 | $ 750,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 2 | $ 390,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 85,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 465,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 1 | $ 455,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 125,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 215,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 95,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 1 | $ 285,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 1 | $ 265,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ n/a | 1 | $ 75,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 405,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 135,000 |
The tables below break down 2025 mortgage applications in Kidder 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 Kidder County, ND in 2025
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 | 34 | $8,650,000 | $254,000 | $635,000 | $137,000 | $472,000 |
| Refinancing | 18 | $4,660,000 | $258,000 | $555,000 | $171,000 | $363,000 |
| Home Improvement | 4 | $310,000 | $77,000 | $175,000 | $162,000 | $338,000 |
| Cash-out Refinancing | 3 | $395,000 | $131,000 | $175,000 | $108,000 | $200,000 |
| Other Purpose | 3 | $135,000 | $45,000 | $85,000 | $116,000 | $164,000 |
| 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 | 48 | $10,370,000 | $216,000 | $555,000 | $144,000 | $472,000 |
| Not Provided | 9 | $1,615,000 | $179,000 | $285,000 | $147,000 | $338,000 |
| Not applicable | 5 | $2,165,000 | $433,000 | $635,000 | $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) | 49 | $11,095,000 | $226,000 | $555,000 | $155,000 | $472,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,370,000 | $171,000 | $285,000 | $89,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,470,000 | $367,000 | $635,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $215,000 | $215,000 | $215,000 | $60,000 | $60,000 |
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 | $8,395,000 | $215,000 | $555,000 | $150,000 | $472,000 |
| Application Withdrawn By Applicant | 10 | $2,240,000 | $224,000 | $405,000 | $141,000 | $346,000 |
| Loan Purchased By The Institution | 6 | $2,300,000 | $383,000 | $635,000 | $101,000 | $101,000 |
| Application Denied By Financial Institution | 5 | $695,000 | $139,000 | $305,000 | $120,000 | $200,000 |
| Application Approved But Not Accepted | 1 | $245,000 | $245,000 | $245,000 | $113,000 | $113,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 46 | $11,920,000 | $259,000 | $635,000 | $151,000 | $363,000 |
| Debt-To-Income Ratio | 13 | $2,105,000 | $161,000 | $325,000 | $129,000 | $472,000 |
| Employment History | 1 | $15,000 | $15,000 | $15,000 | $41,000 | $41,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $145,000 | $145,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $200,000 | $200,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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