Kidder County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 55 mortgage applications in Kidder County, ND totaling $20.6 million, down 5% from 2013. The average application was for $374,000, and applicants reported an average income of $108,000. 67% of applications resulted in an originated loan and 15% were denied. The most active lender was Northland Financial, with 13 applications, followed by First Community Credit Union and Franklin American Mortgage Company.
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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 | 55 |
| Total Mortgage Loan Application Amount | $20,583,000 |
| Average Mortgage Loan Application Amount | $374,000 |
| Highest Mortgage Loan Application Amount | $14,001,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $680,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 189,977,000 | 13 | $ 1,196,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 471,727,000 | 8 | $ 14,546,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 1,131,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 705,470,000 | 3 | $ 416,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 3 | $ 434,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 208,575,000 | 3 | $ 382,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 237,168,000 | 3 | $ 349,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 384,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 2 | $ 320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 1 | $ 210,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 113,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 54,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 127,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 175,766,000 | 1 | $ 32,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 850,750,000 | 1 | $ 88,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 236,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 346,036,000 | 1 | $ 133,000 |
The tables below break down 2014 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 2014
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 | 30 | $17,473,000 | $582,000 | $14,001,000 | $104,000 | $680,000 |
| Refinancing | 22 | $3,047,000 | $138,000 | $350,000 | $117,000 | $305,000 |
| Home Improvement | 3 | $63,000 | $21,000 | $37,000 | $88,000 | $103,000 |
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 | 49 | $19,827,000 | $404,000 | $14,001,000 | $111,000 | $680,000 |
| Not Provided | 3 | $379,000 | $126,000 | $171,000 | $150,000 | $291,000 |
| Not applicable | 2 | $305,000 | $152,000 | $172,000 | $0 | $0 |
| Hispanic | 1 | $72,000 | $72,000 | $72,000 | $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) | 43 | $19,051,000 | $443,000 | $14,001,000 | $125,000 | $680,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,229,000 | $153,000 | $236,000 | $51,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $243,000 | $81,000 | $132,000 | $56,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $60,000 | $60,000 | $60,000 | $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 | 37 | $18,445,000 | $498,000 | $14,001,000 | $118,000 | $680,000 |
| Application Denied By Financial Institution | 8 | $969,000 | $121,000 | $350,000 | $113,000 | $264,000 |
| Application Withdrawn By Applicant | 5 | $488,000 | $97,000 | $171,000 | $81,000 | $160,000 |
| Loan Purchased By The Institution | 4 | $568,000 | $142,000 | $172,000 | $41,000 | $90,000 |
| File Closed For Incompleteness | 1 | $113,000 | $113,000 | $113,000 | $122,000 | $122,000 |
| Application Approved But Not Accepted | 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 | 2 | $56,000 | $28,000 | $46,000 | $144,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $106,000 | $106,000 | $106,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $350,000 | $350,000 | $350,000 | $264,000 | $264,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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