Kidder County, ND Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 61 mortgage applications in Kidder County, ND totaling $6.3 million, up 9% from 2009. The average application was for $102,000, and applicants reported an average income of $75,000. 59% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank, NA, with 18 applications, followed by Northland Financial and US Bank North Dakota.
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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 | 61 |
| Total Mortgage Loan Application Amount | $6,267,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $612,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $437,000 |
| 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 | 18 | $ 1,829,000 |
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 155,648,000 | 8 | $ 522,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 6 | $ 387,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,146,346,000 | 5 | $ 410,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 323,323,000 | 3 | $ 317,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 387,029,000 | 3 | $ 899,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 126,762,000 | 2 | $ 142,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 274,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 110,779,000 | 2 | $ 275,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 208,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 242,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 75,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,058,817,000 | 1 | $ 174,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 72,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 1 | $ 76,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 749,809,000 | 1 | $ 60,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 361,363,000 | 1 | $ 89,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 147,169,000 | 1 | $ 31,000 |
The tables below break down 2010 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 41 | $4,828,000 | $117,000 | $612,000 | $77,000 | $355,000 |
| Home Purchase | 15 | $1,087,000 | $72,000 | $194,000 | $81,000 | $437,000 |
| Home Improvement | 5 | $352,000 | $70,000 | $175,000 | $47,000 | $78,000 |
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 | 55 | $5,652,000 | $102,000 | $612,000 | $78,000 | $437,000 |
| Not Provided | 6 | $615,000 | $102,000 | $200,000 | $50,000 | $101,000 |
| 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 |
| Not applicable | 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) | 53 | $5,752,000 | $108,000 | $612,000 | $81,000 | $437,000 |
| FHA-insured (Federal Housing Administration) | 5 | $357,000 | $71,000 | $123,000 | $43,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $100,000 | $50,000 | $77,000 | $45,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 1 | $58,000 | $58,000 | $58,000 | $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 | 36 | $3,864,000 | $107,000 | $612,000 | $82,000 | $355,000 |
| Application Denied By Financial Institution | 15 | $1,520,000 | $101,000 | $232,000 | $38,000 | $90,000 |
| Application Withdrawn By Applicant | 6 | $505,000 | $84,000 | $195,000 | $122,000 | $437,000 |
| Loan Purchased By The Institution | 2 | $274,000 | $137,000 | $185,000 | $86,000 | $98,000 |
| File Closed For Incompleteness | 1 | $20,000 | $20,000 | $20,000 | $28,000 | $28,000 |
| Application Approved But Not Accepted | 1 | $84,000 | $84,000 | $84,000 | $152,000 | $152,000 |
| 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 | $462,000 | $92,000 | $140,000 | $33,000 | $43,000 |
| Credit History | 4 | $357,000 | $89,000 | $174,000 | $39,000 | $90,000 |
| Collateral | 3 | $477,000 | $159,000 | $232,000 | $46,000 | $74,000 |
| Credit Application Incomplete | 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 |
| 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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