Community First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Community First National Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Community First National Bank 520 Main Avenue Fargo, ND 58124 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 1,263 |
| Total Mortgage Loan Application Amount | $78,324,000 |
| Average Mortgage Loan Application Amount | $148,489 |
| Highest Mortgage Loan Application Amount | $4,950,000 |
| Average Applicant Income | $56,632 |
| Highest Applicant Income | $3,570,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Community First National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Community First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Community First National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Community First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Community First National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Community First National Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sweetwater County Wyoming | 65 | $ 1,924,000 | $ 29,000 | $ 46,000 |
| Nobles County Minnesota | 57 | $ 4,392,000 | $ 77,000 | $ 43,000 |
| Winneshiek County Iowa | 46 | $ 2,419,000 | $ 52,000 | $ 36,000 |
| Fremont County Wyoming | 38 | $ 1,351,000 | $ 35,000 | $ 39,000 |
| Laramie County Wyoming | 36 | $ 1,159,000 | $ 32,000 | $ 43,000 |
| Cass County North Dakota | 34 | $ 1,472,000 | $ 43,000 | $ 60,000 |
| Dona Ana County New Mexico | 31 | $ 887,000 | $ 28,000 | $ 40,000 |
| Larimer County Colorado | 30 | $ 4,108,000 | $ 136,000 | $ 73,000 |
| Richland County North Dakota | 27 | $ 736,000 | $ 27,000 | $ 34,000 |
| Houston County Minnesota | 26 | $ 1,334,000 | $ 51,000 | $ 21,000 |
| Washburn County Wisconsin | 26 | $ 1,044,000 | $ 40,000 | $ 39,000 |
| Lincoln County Wyoming | 26 | $ 756,000 | $ 29,000 | $ 47,000 |
| Pima County Arizona | 24 | $ 888,000 | $ 37,000 | $ 41,000 |
| Natrona County Wyoming | 24 | $ 847,000 | $ 35,000 | $ 57,000 |
| Moffat County Colorado | 23 | $ 1,069,000 | $ 46,000 | $ 46,000 |
| Box Butte County Nebraska | 23 | $ 539,000 | $ 23,000 | $ 59,000 |
| Carbon County Wyoming | 23 | $ 819,000 | $ 35,000 | $ 35,000 |
| Lyon County Minnesota | 22 | $ 643,000 | $ 29,000 | $ 35,000 |
| Campbell County Wyoming | 22 | $ 2,051,000 | $ 93,000 | $ 42,000 |
| Otter Tail County Minnesota | 21 | $ 1,156,000 | $ 55,000 | $ 47,000 |
| Wilkin County Minnesota | 21 | $ 543,000 | $ 25,000 | $ 39,000 |
| Albany County Wyoming | 21 | $ 507,000 | $ 24,000 | $ 33,000 |
| Park County Wyoming | 21 | $ 1,291,000 | $ 61,000 | $ 47,000 |
| Delta County Colorado | 19 | $ 1,033,000 | $ 54,000 | $ 161,000 |
| Logan County Colorado | 18 | $ 1,023,000 | $ 56,000 | $ 39,000 |
| Sublette County Wyoming | 17 | $ 566,000 | $ 33,000 | $ 54,000 |
| Adams County Colorado | 16 | $ 836,000 | $ 52,000 | $ 46,000 |
| Clay County South Dakota | 16 | $ 1,118,000 | $ 69,000 | $ 101,000 |
| Gila County Arizona | 15 | $ 331,000 | $ 22,000 | $ 31,000 |
| Clay County Minnesota | 15 | $ 678,000 | $ 45,000 | $ 74,000 |
| Routt County Colorado | 13 | $ 1,279,000 | $ 98,000 | $ 112,000 |
| Stearns County Minnesota | 13 | $ 469,000 | $ 36,000 | $ 49,000 |
| Washakie County Wyoming | 12 | $ 459,000 | $ 38,000 | $ 70,000 |
| Pinal County Arizona | 11 | $ 306,000 | $ 27,000 | $ 28,000 |
| Boulder County Colorado | 11 | $ 1,188,000 | $ 108,000 | $ 97,000 |
| Summit County Colorado | 11 | $ 1,624,000 | $ 147,000 | $ 79,000 |
| Cottonwood County Minnesota | 11 | $ 516,000 | $ 46,000 | $ 38,000 |
| San Diego County California | 10 | $ 11,707,000 | $ 1,170,000 | $ 39,000 |
| Morgan County Colorado | 10 | $ 539,000 | $ 53,000 | $ 43,000 |
| Weld County Colorado | 9 | $ 863,000 | $ 95,000 | $ 76,000 |
| Traverse County Minnesota | 9 | $ 157,000 | $ 17,000 | $ 35,000 |
| Cherry County Nebraska | 9 | $ 405,000 | $ 45,000 | $ 101,000 |
| Fall River County South Dakota | 9 | $ 329,000 | $ 36,000 | $ 55,000 |
| Niobrara County Wyoming | 9 | $ 267,000 | $ 29,000 | $ 39,000 |
| Platte County Wyoming | 9 | $ 266,000 | $ 29,000 | $ 39,000 |
| Mesa County Colorado | 8 | $ 552,000 | $ 69,000 | $ 66,000 |
| Anoka County Minnesota | 8 | $ 354,000 | $ 44,000 | $ 68,000 |
| Converse County Wyoming | 8 | $ 296,000 | $ 37,000 | $ 30,000 |
| Goshen County Wyoming | 8 | $ 162,000 | $ 20,000 | $ 36,000 |
| Uinta County Wyoming | 8 | $ 254,000 | $ 31,000 | $ 50,000 |
| Apache County Arizona | 7 | $ 170,000 | $ 24,000 | $ 31,000 |
| Arapahoe County Colorado | 7 | $ 315,000 | $ 45,000 | $ 80,000 |
| Jefferson County Colorado | 7 | $ 571,000 | $ 81,000 | $ 56,000 |
| Norman County Minnesota | 7 | $ 265,000 | $ 37,000 | $ 37,000 |
| Dawes County Nebraska | 7 | $ 121,000 | $ 17,000 | $ 42,000 |
| Stark County North Dakota | 7 | $ 230,000 | $ 32,000 | $ 36,000 |
| Salt Lake County Utah | 7 | $ 1,176,000 | $ 168,000 | $ 244,000 |
| Jackson County Minnesota | 6 | $ 350,000 | $ 58,000 | $ 49,000 |
| Perkins County South Dakota | 6 | $ 129,000 | $ 21,000 | $ 40,000 |
| Sheridan County Wyoming | 6 | $ 123,000 | $ 20,000 | $ 44,000 |
| Denver County Colorado | 5 | $ 166,000 | $ 33,000 | $ 57,000 |
| Kit Carson County Colorado | 5 | $ 194,000 | $ 38,000 | $ 55,000 |
| Montrose County Colorado | 5 | $ 319,000 | $ 63,000 | $ 1,237,000 |
| Fayette County Iowa | 5 | $ 273,000 | $ 54,000 | $ 28,000 |
| Howard County Iowa | 5 | $ 244,000 | $ 48,000 | $ 34,000 |
| Lincoln County Minnesota | 5 | $ 135,000 | $ 27,000 | $ 31,000 |
| Murray County Minnesota | 5 | $ 669,000 | $ 133,000 | $ 72,000 |
| Douglas County South Dakota | 5 | $ 160,000 | $ 32,000 | $ 44,000 |
| Coconino County Arizona | 4 | $ 214,000 | $ 53,000 | $ 36,000 |
| Maricopa County Arizona | 4 | $ 173,000 | $ 43,000 | $ 42,000 |
| Las Animas County Colorado | 4 | $ 304,000 | $ 76,000 | $ 46,000 |
| Allamakee County Iowa | 4 | $ 188,000 | $ 47,000 | $ 37,000 |
| Fillmore County Minnesota | 4 | $ 217,000 | $ 54,000 | $ 42,000 |
| Morrill County Nebraska | 4 | $ 40,000 | $ 10,000 | $ 34,000 |
| Golden Valley County North Dakota | 4 | $ 66,000 | $ 16,000 | $ 33,000 |
| Beadle County South Dakota | 4 | $ 53,000 | $ 13,000 | $ 30,000 |
| Todd County South Dakota | 4 | $ 32,000 | $ 8,000 | $ 15,000 |
| Big Horn County Wyoming | 4 | $ 82,000 | $ 20,000 | $ 15,000 |
| Grand County Colorado | 3 | $ 133,000 | $ 44,000 | $ 93,000 |
| Pueblo County Colorado | 3 | $ 153,000 | $ 51,000 | $ 93,000 |
| Kandiyohi County Minnesota | 3 | $ 98,000 | $ 32,000 | $ 38,000 |
| Redwood County Minnesota | 3 | $ 66,000 | $ 22,000 | $ 29,000 |
| Swift County Minnesota | 3 | $ 88,000 | $ 29,000 | $ 39,000 |
| Scotts Bluff County Nebraska | 3 | $ 94,000 | $ 31,000 | $ 45,000 |
| Sheridan County Nebraska | 3 | $ 10,000 | $ 3,000 | $ 35,000 |
| Potter County South Dakota | 3 | $ 92,000 | $ 30,000 | $ 46,000 |
| Douglas County Wisconsin | 3 | $ 82,000 | $ 27,000 | $ 78,000 |
| Sawyer County Wisconsin | 3 | $ 77,000 | $ 25,000 | $ 111,000 |
| Yavapai County Arizona | 2 | $ 85,000 | $ 42,000 | $ 34,000 |
| Douglas County Colorado | 2 | $ 177,000 | $ 88,000 | $ 102,000 |
| Gunnison County Colorado | 2 | $ 86,000 | $ 43,000 | $ 59,000 |
| Phillips County Colorado | 2 | $ 142,000 | $ 71,000 | $ 52,000 |
| Chickasaw County Iowa | 2 | $ 13,000 | $ 6,000 | $ 22,000 |
| Osceola County Iowa | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Becker County Minnesota | 2 | $ 57,000 | $ 28,000 | $ 93,000 |
| Grant County Minnesota | 2 | $ 18,000 | $ 9,000 | $ 16,000 |
| Hennepin County Minnesota | 2 | $ 56,000 | $ 28,000 | $ 76,000 |
| Mahnomen County Minnesota | 2 | $ 352,000 | $ 176,000 | $ 150,000 |
| Sherburne County Minnesota | 2 | $ 186,000 | $ 93,000 | $ 612,000 |
| Yellowstone County Montana | 2 | $ 52,000 | $ 26,000 | $ 50,000 |
| Griggs County North Dakota | 2 | $ 32,000 | $ 16,000 | $ 39,000 |
| Custer County South Dakota | 2 | $ 45,000 | $ 22,000 | $ 37,000 |
| Crook County Wyoming | 2 | $ 117,000 | $ 58,000 | $ 42,000 |
| Johnson County Wyoming | 2 | $ 266,000 | $ 133,000 | $ 73,000 |
| Navajo County Arizona | 1 | $ 50,000 | $ 50,000 | $ 85,000 |
| Archuleta County Colorado | 1 | $ 323,000 | $ 323,000 | $ 123,000 |
| Chaffee County Colorado | 1 | $ 250,000 | $ 250,000 | $ 78,000 |
| El Paso County Colorado | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Elbert County Colorado | 1 | $ 128,000 | $ 128,000 | $ 37,000 |
| Gilpin County Colorado | 1 | $ 76,000 | $ 76,000 | $ 21,000 |
| Ouray County Colorado | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Park County Colorado | 1 | $ 500,000 | $ 500,000 | $ 354,000 |
| San Miguel County Colorado | 1 | $ 4,950,000 | $ 4,950,000 | $ 1,410,000 |
| Washington County Colorado | 1 | $ 13,000 | $ 13,000 | $ 34,000 |
| Yuma County Colorado | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Pinellas County Florida | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Black Hawk County Iowa | 1 | $ 26,000 | $ 26,000 | $ 17,000 |
| Buchanan County Iowa | 1 | $ 38,000 | $ 38,000 | $ 68,000 |
| Clayton County Iowa | 1 | $ 59,000 | $ 59,000 | $ 43,000 |
| Johnson County Iowa | 1 | $ 14,000 | $ 14,000 | $ 46,000 |
| Linn County Iowa | 1 | $ 12,000 | $ 12,000 | $ 29,000 |
| Dickinson County Kansas | 1 | $ 11,000 | $ 11,000 | $ 13,000 |
| Ingham County Michigan | 1 | $ 32,000 | $ 32,000 | $ 39,000 |
| Big Stone County Minnesota | 1 | $ 23,000 | $ 23,000 | $ 282,000 |
| Brown County Minnesota | 1 | $ 28,000 | $ 28,000 | $ 28,000 |
| Dakota County Minnesota | 1 | $ 14,000 | $ 14,000 | $ 52,000 |
| Morrison County Minnesota | 1 | $ 13,000 | $ 13,000 | $ 38,000 |
| Pipestone County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Pope County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Rock County Minnesota | 1 | $ 67,000 | $ 67,000 | $ 38,000 |
| St. Louis County Minnesota | 1 | $ 44,000 | $ 44,000 | $ 127,000 |
| Stevens County Minnesota | 1 | $ 41,000 | $ 41,000 | $ 69,000 |
| Yellow Medicine County Minnesota | 1 | $ 32,000 | $ 32,000 | $ 44,000 |
| Chase County Nebraska | 1 | $ 14,000 | $ 14,000 | $ 45,000 |
| Grant County Nebraska | 1 | $ 4,000 | $ 4,000 | $ 16,000 |
| Hooker County Nebraska | 1 | $ 12,000 | $ 12,000 | $ 55,000 |
| Keith County Nebraska | 1 | $ 37,000 | $ 37,000 | $ 37,000 |
| Thomas County Nebraska | 1 | $ 32,000 | $ 32,000 | $ 30,000 |
| Luna County New Mexico | 1 | $ 8,000 | $ 8,000 | $ 18,000 |
| Otero County New Mexico | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Santa Fe County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 442,000 |
| Billings County North Dakota | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Bowman County North Dakota | 1 | $ 19,000 | $ 19,000 | $ 58,000 |
| Dickey County North Dakota | 1 | $ 23,000 | $ 23,000 | $ 14,000 |
| Ward County North Dakota | 1 | $ 26,000 | $ 26,000 | $ 30,000 |
| Brown County South Dakota | 1 | $ 70,000 | $ 70,000 | $ 15,000 |
| Clark County South Dakota | 1 | $ 40,000 | $ 40,000 | $ 33,000 |
| Hand County South Dakota | 1 | $ 9,000 | $ 9,000 | $ 112,000 |
| Lawrence County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Meade County South Dakota | 1 | $ 108,000 | $ 108,000 | $ 79,000 |
| Sanborn County South Dakota | 1 | $ 18,000 | $ 18,000 | $ 35,000 |
| Shannon County South Dakota | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Yankton County South Dakota | 1 | $ 1,254,000 | $ 1,254,000 | $ 0 |
| Duchesne County Utah | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Millard County Utah | 1 | $ 30,000 | $ 30,000 | $ 18,000 |
| Wasatch County Utah | 1 | $ 15,000 | $ 15,000 | $ 113,000 |
| Burnett County Wisconsin | 1 | $ 17,000 | $ 17,000 | $ 31,000 |
| Lincoln County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Taylor County Wisconsin | 1 | $ 31,000 | $ 31,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Community First National Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 501 | $26,318,000 | $44,230 | $407,000 | $79,153 | $3,570,000 |
| Home Purchase (one-to-four family) | 462 | $27,444,000 | $67,666 | $4,950,000 | $75,200 | $2,292,000 |
| Home Improvement (one-to-four family) | 274 | $5,884,000 | $21,750 | $200,000 | $51,500 | $442,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 26 | $18,678,000 | $602,777 | $4,500,000 | $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 | 1,061 | $55,571,000 | $45,687 | $4,950,000 | $67,687 | $2,292,000 |
| Hispanic | 80 | $2,287,000 | $28,333 | $230,000 | $32,333 | $103,000 |
| Information not provided by applicant in mail or telephone application | 49 | $1,711,000 | $43,100 | $199,000 | $138,700 | $795,000 |
| Not applicable | 36 | $17,516,000 | $586,142 | $4,500,000 | $33,142 | $1,285,000 |
| American Indian or Alaskan Native | 22 | $526,000 | $26,900 | $92,000 | $388,900 | $3,570,000 |
| Asian or Pacific Islander | 7 | $293,000 | $37,000 | $87,000 | $67,666 | $84,000 |
| Other | 6 | $353,000 | $67,000 | $155,000 | $56,800 | $100,000 |
| Black | 2 | $67,000 | $33,500 | $57,000 | $31,500 | $34,000 |
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) | 1,263 | $78,324,000 | $115,625 | $4,950,000 | $65,187 | $3,570,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $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 | 873 | $65,085,000 | $144,785 | $4,950,000 | $70,071 | $3,570,000 |
| Application Denied By Financial Institution | 279 | $8,252,000 | $29,833 | $200,000 | $36,250 | $150,000 |
| Application Withdrawn By Applicant | 93 | $3,846,000 | $38,692 | $240,000 | $76,923 | $795,000 |
| Application Approved But Not Accepted | 15 | $1,027,000 | $61,333 | $220,000 | $64,666 | $300,000 |
| File Closed For Incompleteness | 3 | $114,000 | $35,000 | $60,000 | $38,500 | $53,000 |
| Loan Purchased By The 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 | 172 | $4,750,000 | $27,545 | $129,000 | $38,727 | $150,000 |
| Debt-To-Income Ratio | 58 | $2,112,000 | $37,625 | $165,000 | $26,000 | $108,000 |
| Employment History | 33 | $756,000 | $30,571 | $70,000 | $37,571 | $105,000 |
| Collateral | 10 | $455,000 | $34,000 | $200,000 | $39,200 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $101,000 | $21,500 | $52,000 | $44,000 | $60,000 |
| Other | 2 | $78,000 | $39,000 | $58,000 | $35,000 | $43,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First National Bank's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Community First National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.