Kidder County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 84 mortgage applications in Kidder County, ND totaling $10.1 million, up 53% from 2014. The average application was for $120,000, and applicants reported an average income of $70,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Choice Financial Group, with 9 applications, followed by Bank of North Dakota and First Community 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 | 84 |
| Total Mortgage Loan Application Amount | $10,100,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $750,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 915,590,000 | 9 | $ 981,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 7 | $ 1,056,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 515,308,000 | 6 | $ 330,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 1,017,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 6 | $ 725,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 298,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,771,679,000 | 5 | $ 621,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 4 | $ 386,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 784,401,000 | 3 | $ 407,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 345,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 2 | $ 324,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 889,163,000 | 2 | $ 281,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 221,827,000 | 2 | $ 215,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 245,560,000 | 2 | $ 363,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 33,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 573,850,000 | 1 | $ 224,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 234,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 493,891,000 | 1 | $ 110,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 147,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 204,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 73,000 |
| Lone Star National Bank 206 WEST FERGUSON PHARR, TX 78577 |
* | $ 2,155,074,000 | 1 | $ 5,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 126,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 80,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 36,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 112,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 132,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 126,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 43,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,970,856,000 | 1 | $ 112,000 |
The tables below break down 2015 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 2015
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 | 45 | $5,562,000 | $123,000 | $236,000 | $61,000 | $193,000 |
| Refinancing | 28 | $3,853,000 | $137,000 | $255,000 | $62,000 | $242,000 |
| Home Improvement | 11 | $685,000 | $62,000 | $132,000 | $128,000 | $750,000 |
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 | 61 | $7,116,000 | $116,000 | $255,000 | $84,000 | $750,000 |
| Not applicable | 13 | $1,834,000 | $141,000 | $192,000 | $0 | $0 |
| Not Provided | 9 | $1,145,000 | $127,000 | $204,000 | $79,000 | $126,000 |
| Hispanic | 1 | $5,000 | $5,000 | $5,000 | $53,000 | $53,000 |
| 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) | 65 | $7,698,000 | $118,000 | $255,000 | $78,000 | $750,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,184,000 | $131,000 | $234,000 | $44,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 7 | $795,000 | $113,000 | $165,000 | $41,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $423,000 | $141,000 | $168,000 | $31,000 | $55,000 |
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 | 40 | $4,877,000 | $121,000 | $236,000 | $90,000 | $750,000 |
| Application Denied By Financial Institution | 17 | $1,578,000 | $92,000 | $204,000 | $66,000 | $135,000 |
| Loan Purchased By The Institution | 14 | $2,031,000 | $145,000 | $198,000 | $22,000 | $193,000 |
| Application Withdrawn By Applicant | 7 | $845,000 | $120,000 | $170,000 | $74,000 | $109,000 |
| File Closed For Incompleteness | 4 | $494,000 | $123,000 | $255,000 | $66,000 | $140,000 |
| Application Approved But Not Accepted | 2 | $275,000 | $137,000 | $140,000 | $45,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $670,000 | $111,000 | $204,000 | $79,000 | $135,000 |
| Credit History | 4 | $307,000 | $76,000 | $185,000 | $72,000 | $93,000 |
| Employment History | 2 | $92,000 | $46,000 | $87,000 | $54,000 | $55,000 |
| Debt-To-Income Ratio | 1 | $84,000 | $84,000 | $84,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 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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