Kidder County, ND Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 72 mortgage applications in Kidder County, ND totaling $12.1 million, up 24% from 2019. The average application was for $168,000, and applicants reported an average income of $115,000. 61% of applications resulted in an originated loan and 11% were denied. The most active lender was Choice Financial Group, with 16 applications, followed by First Community Credit Union 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 | 72 |
| Total Mortgage Loan Application Amount | $12,120,000 |
| Average Mortgage Loan Application Amount | $168,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $115,000 |
| Highest Applicant Income | $500,000 |
| 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 |
* | $ 2,379,086,000 | 16 | $ 2,370,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 6 | $ 700,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 862,614,000 | 6 | $ 840,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 5 | $ 965,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 4 | $ 900,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 605,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 540,918,000 | 3 | $ 425,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 360,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 700,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 2 | $ 360,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 2 | $ 440,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 440,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 2 | $ 200,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 65,000 |
| Vue Community Credit Union 818 E MAIN AVE BISMARCK, ND 58501 |
* | $ 58,771,000 | 1 | $ 295,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 195,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 246,223,000 | 1 | $ 195,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 175,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 1 | $ 105,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,671,850,000 | 1 | $ 255,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 145,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 125,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 185,281,000 | 1 | $ 35,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 305,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 1 | $ 105,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
The tables below break down 2020 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 2020
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 | 33 | $6,095,000 | $184,000 | $425,000 | $133,000 | $466,000 |
| Home Purchase | 27 | $4,515,000 | $167,000 | $415,000 | $104,000 | $500,000 |
| Cash-out Refinancing | 7 | $955,000 | $136,000 | $225,000 | $96,000 | $127,000 |
| Home Improvement | 3 | $205,000 | $68,000 | $115,000 | $51,000 | $86,000 |
| Other Purpose | 2 | $350,000 | $175,000 | $205,000 | $159,000 | $201,000 |
| 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 | 61 | $10,055,000 | $164,000 | $425,000 | $113,000 | $500,000 |
| Not applicable | 6 | $1,260,000 | $210,000 | $405,000 | $155,000 | $187,000 |
| Not Provided | 5 | $805,000 | $161,000 | $205,000 | $129,000 | $261,000 |
| 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 |
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) | 64 | $11,030,000 | $172,000 | $425,000 | $120,000 | $500,000 |
| VA-guaranteed (Veterans Administration) | 4 | $600,000 | $150,000 | $225,000 | $68,000 | $101,000 |
| FHA-insured (Federal Housing Administration) | 2 | $300,000 | $150,000 | $155,000 | $76,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $190,000 | $95,000 | $115,000 | $59,000 | $75,000 |
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 | 44 | $7,210,000 | $163,000 | $425,000 | $107,000 | $466,000 |
| Application Withdrawn By Applicant | 9 | $1,695,000 | $188,000 | $415,000 | $169,000 | $500,000 |
| Application Denied By Financial Institution | 8 | $1,090,000 | $136,000 | $205,000 | $121,000 | $201,000 |
| Loan Purchased By The Institution | 8 | $1,700,000 | $212,000 | $405,000 | $118,000 | $187,000 |
| File Closed For Incompleteness | 2 | $270,000 | $135,000 | $225,000 | $48,000 | $48,000 |
| Application Approved But Not Accepted | 1 | $155,000 | $155,000 | $155,000 | $46,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 55 | $9,445,000 | $171,000 | $425,000 | $109,000 | $500,000 |
| Debt-To-Income Ratio | 11 | $1,655,000 | $150,000 | $295,000 | $131,000 | $466,000 |
| Collateral | 3 | $545,000 | $181,000 | $205,000 | $165,000 | $201,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $201,000 | $201,000 |
| Credit History | 1 | $115,000 | $115,000 | $115,000 | $46,000 | $46,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $101,000 | $101,000 |
| Unverifiable Information | 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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