Kidder County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 58 mortgage applications in Kidder County, ND totaling $5.4 million, down 15% from 2012. The average application was for $93,000, and applicants reported an average income of $84,000. 66% of applications resulted in an originated loan and 19% were denied. The most active lender was First Community Credit Union, with 11 applications, followed by Northland Financial and US Bank, N.A..
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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 | 58 |
| Total Mortgage Loan Application Amount | $5,448,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $272,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $879,000 |
| 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 |
* | $ 433,610,000 | 11 | $ 603,000 |
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 192,497,000 | 7 | $ 593,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 5 | $ 449,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 4 | $ 473,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 354,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 672,945,000 | 3 | $ 542,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 440,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 196,961,000 | 2 | $ 227,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 165,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 978,576,000 | 2 | $ 115,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 480,631,000 | 2 | $ 134,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 1 | $ 93,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,685,770,000 | 1 | $ 54,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 327,316,000 | 1 | $ 80,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 173,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 1 | $ 173,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 112,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 68,000 |
The tables below break down 2013 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 2013
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 | 27 | $2,749,000 | $101,000 | $228,000 | $62,000 | $286,000 |
| Refinancing | 26 | $2,573,000 | $98,000 | $272,000 | $114,000 | $879,000 |
| Home Improvement | 5 | $126,000 | $25,000 | $45,000 | $49,000 | $101,000 |
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 | 48 | $4,332,000 | $90,000 | $272,000 | $95,000 | $879,000 |
| Not Provided | 5 | $568,000 | $113,000 | $228,000 | $51,000 | $70,000 |
| Not applicable | 4 | $488,000 | $122,000 | $173,000 | $0 | $0 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $65,000 | $65,000 |
| 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) | 47 | $4,048,000 | $86,000 | $272,000 | $93,000 | $879,000 |
| FHA-insured (Federal Housing Administration) | 7 | $909,000 | $129,000 | $228,000 | $57,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 3 | $414,000 | $138,000 | $173,000 | $39,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $77,000 | $77,000 | $77,000 | $31,000 | $31,000 |
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 | 38 | $3,491,000 | $91,000 | $272,000 | $104,000 | $879,000 |
| Application Denied By Financial Institution | 11 | $1,049,000 | $95,000 | $228,000 | $51,000 | $101,000 |
| Loan Purchased By The Institution | 4 | $488,000 | $122,000 | $173,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $280,000 | $93,000 | $111,000 | $65,000 | $72,000 |
| Application Withdrawn By Applicant | 2 | $140,000 | $70,000 | $80,000 | $92,000 | $120,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $322,000 | $80,000 | $111,000 | $61,000 | $101,000 |
| Debt-To-Income Ratio | 1 | $68,000 | $68,000 | $68,000 | $31,000 | $31,000 |
| Collateral | 1 | $228,000 | $228,000 | $228,000 | $70,000 | $70,000 |
| Other | 1 | $36,000 | $36,000 | $36,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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