Gate City Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Gate City Bank 2015 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 | Gate City Bank 500 2Nd Ave N Fargo, ND 58102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,621 |
| Total Mortgage Loan Application Amount | $766,592,000 |
| Average Mortgage Loan Application Amount | $136,666 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $2,086,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Gate City 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 Gate City Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Gate City 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 Gate City Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Gate City 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 Gate City Bank's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass County North Dakota | 1,010 | $ 170,056,000 | $ 168,000 | $ 99,000 |
| Burleigh County North Dakota | 645 | $ 124,845,000 | $ 193,000 | $ 99,000 |
| Ward County North Dakota | 495 | $ 83,238,000 | $ 168,000 | $ 95,000 |
| Grand Forks County North Dakota | 362 | $ 56,049,000 | $ 154,000 | $ 89,000 |
| Clay County Minnesota | 325 | $ 51,760,000 | $ 159,000 | $ 76,000 |
| Morton County North Dakota | 183 | $ 30,695,000 | $ 167,000 | $ 87,000 |
| Williams County North Dakota | 172 | $ 34,634,000 | $ 201,000 | $ 103,000 |
| Stark County North Dakota | 138 | $ 26,157,000 | $ 189,000 | $ 99,000 |
| Stutsman County North Dakota | 137 | $ 17,310,000 | $ 126,000 | $ 80,000 |
| Otter Tail County Minnesota | 93 | $ 17,057,000 | $ 183,000 | $ 130,000 |
| Becker County Minnesota | 69 | $ 16,854,000 | $ 244,000 | $ 157,000 |
| Polk County Minnesota | 64 | $ 8,943,000 | $ 139,000 | $ 76,000 |
| Richland County North Dakota | 60 | $ 5,559,000 | $ 92,000 | $ 73,000 |
| Ramsey County North Dakota | 58 | $ 6,134,000 | $ 105,000 | $ 87,000 |
| Douglas County Minnesota | 36 | $ 6,120,000 | $ 170,000 | $ 62,000 |
| Foster County North Dakota | 29 | $ 1,908,000 | $ 65,000 | $ 75,000 |
| McLean County North Dakota | 29 | $ 4,347,000 | $ 149,000 | $ 96,000 |
| Traill County North Dakota | 28 | $ 2,508,000 | $ 89,000 | $ 64,000 |
| Wilkin County Minnesota | 16 | $ 1,822,000 | $ 113,000 | $ 92,000 |
| Bottineau County North Dakota | 16 | $ 2,064,000 | $ 129,000 | $ 62,000 |
| Barnes County North Dakota | 14 | $ 1,753,000 | $ 125,000 | $ 90,000 |
| McHenry County North Dakota | 14 | $ 1,786,000 | $ 127,000 | $ 64,000 |
| Renville County North Dakota | 12 | $ 1,106,000 | $ 92,000 | $ 93,000 |
| Walsh County North Dakota | 12 | $ 978,000 | $ 81,000 | $ 72,000 |
| Marshall County Minnesota | 9 | $ 815,000 | $ 90,000 | $ 76,000 |
| Eddy County North Dakota | 9 | $ 699,000 | $ 77,000 | $ 65,000 |
| Mountrail County North Dakota | 9 | $ 1,497,000 | $ 166,000 | $ 228,000 |
| Adams County North Dakota | 8 | $ 1,185,000 | $ 148,000 | $ 95,000 |
| Maricopa County Arizona | 6 | $ 1,267,000 | $ 211,000 | $ 183,000 |
| Benson County North Dakota | 6 | $ 792,000 | $ 132,000 | $ 72,000 |
| Nelson County North Dakota | 6 | $ 671,000 | $ 111,000 | $ 57,000 |
| Norman County Minnesota | 5 | $ 357,000 | $ 71,000 | $ 47,000 |
| Dunn County North Dakota | 5 | $ 928,000 | $ 185,000 | $ 99,000 |
| Hettinger County North Dakota | 5 | $ 577,000 | $ 115,000 | $ 59,000 |
| Kidder County North Dakota | 5 | $ 621,000 | $ 124,000 | $ 100,000 |
| Mercer County North Dakota | 5 | $ 872,000 | $ 174,000 | $ 69,000 |
| Grant County Minnesota | 4 | $ 277,000 | $ 69,000 | $ 74,000 |
| Griggs County North Dakota | 4 | $ 331,000 | $ 82,000 | $ 58,000 |
| Rolette County North Dakota | 4 | $ 267,000 | $ 66,000 | $ 38,000 |
| Sargent County North Dakota | 4 | $ 497,000 | $ 124,000 | $ 50,000 |
| Hubbard County Minnesota | 3 | $ 406,000 | $ 135,000 | $ 172,000 |
| Pope County Minnesota | 3 | $ 453,000 | $ 151,000 | $ 69,000 |
| Bowman County North Dakota | 3 | $ 367,000 | $ 122,000 | $ 56,000 |
| Burke County North Dakota | 3 | $ 190,000 | $ 63,000 | $ 96,000 |
| Dickey County North Dakota | 3 | $ 258,000 | $ 86,000 | $ 77,000 |
| Divide County North Dakota | 3 | $ 398,000 | $ 132,000 | $ 88,000 |
| Grant County North Dakota | 3 | $ 106,000 | $ 35,000 | $ 45,000 |
| Oliver County North Dakota | 3 | $ 512,000 | $ 170,000 | $ 89,000 |
| Mohave County Arizona | 2 | $ 421,000 | $ 210,000 | $ 188,000 |
| Pinal County Arizona | 2 | $ 520,000 | $ 260,000 | $ 175,000 |
| Beltrami County Minnesota | 2 | $ 457,000 | $ 228,000 | $ 184,000 |
| Emmons County North Dakota | 2 | $ 252,000 | $ 126,000 | $ 70,000 |
| McIntosh County North Dakota | 2 | $ 135,000 | $ 67,000 | $ 46,000 |
| McKenzie County North Dakota | 2 | $ 391,000 | $ 195,000 | $ 75,000 |
| Pembina County North Dakota | 2 | $ 202,000 | $ 101,000 | $ 16,000 |
| Pierce County North Dakota | 2 | $ 122,000 | $ 61,000 | $ 80,000 |
| Ransom County North Dakota | 2 | $ 262,000 | $ 131,000 | $ 100,000 |
| Sheridan County North Dakota | 2 | $ 346,000 | $ 173,000 | $ 74,000 |
| Steele County North Dakota | 2 | $ 167,000 | $ 83,000 | $ 70,000 |
| Wells County North Dakota | 2 | $ 281,000 | $ 140,000 | $ 65,000 |
| Lawrence County South Dakota | 2 | $ 384,000 | $ 192,000 | $ 204,000 |
| Pima County Arizona | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Larimer County Colorado | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Osceola County Florida | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Santa Rosa County Florida | 1 | $ 110,000 | $ 110,000 | $ 127,000 |
| Hennepin County Minnesota | 1 | $ 214,000 | $ 214,000 | $ 528,000 |
| Kittson County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Lake of the Woods County Minnesota | 1 | $ 46,000 | $ 46,000 | $ 129,000 |
| Pennington County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Stearns County Minnesota | 1 | $ 84,000 | $ 84,000 | $ 42,000 |
| Traverse County Minnesota | 1 | $ 119,000 | $ 119,000 | $ 84,000 |
| Wadena County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| Washington County Minnesota | 1 | $ 356,000 | $ 356,000 | $ 186,000 |
| Park County Montana | 1 | $ 397,000 | $ 397,000 | $ 1,372,000 |
| Billings County North Dakota | 1 | $ 20,000 | $ 20,000 | $ 120,000 |
| LaMoure County North Dakota | 1 | $ 40,000 | $ 40,000 | $ 161,000 |
| Logan County North Dakota | 1 | $ 54,000 | $ 54,000 | $ 85,000 |
| Campbell County South Dakota | 1 | $ 32,000 | $ 32,000 | $ 40,000 |
| Roberts County South Dakota | 1 | $ 136,000 | $ 136,000 | $ 152,000 |
| Dallas County Texas | 1 | $ 46,000 | $ 46,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Gate City Bank 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 | 2,468 | $473,505,000 | $191,000 | $1,632,000 | $88,000 | $2,060,000 |
| Refinancing | 1,596 | $262,226,000 | $164,000 | $1,875,000 | $93,000 | $1,372,000 |
| Home Improvement | 557 | $30,861,000 | $55,000 | $411,000 | $104,000 | $2,086,000 |
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 | 4,188 | $701,713,000 | $167,000 | $1,100,000 | $94,000 | $2,086,000 |
| Not Provided | 203 | $23,495,000 | $115,000 | $555,000 | $90,000 | $546,000 |
| Not applicable | 81 | $17,510,000 | $216,000 | $1,875,000 | $0 | $0 |
| Hispanic | 46 | $7,620,000 | $165,000 | $750,000 | $88,000 | $528,000 |
| American Indian or Alaskan Native | 33 | $4,639,000 | $140,000 | $428,000 | $88,000 | $342,000 |
| Asian | 33 | $5,357,000 | $162,000 | $309,000 | $107,000 | $708,000 |
| Black or African American | 32 | $5,324,000 | $166,000 | $524,000 | $62,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $934,000 | $186,000 | $295,000 | $57,000 | $96,000 |
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) | 3,577 | $584,442,000 | $163,000 | $1,875,000 | $100,000 | $2,086,000 |
| FHA-insured (Federal Housing Administration) | 663 | $110,397,000 | $166,000 | $340,000 | $62,000 | $386,000 |
| VA-guaranteed (Veterans Administration) | 245 | $53,654,000 | $218,000 | $417,000 | $75,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $18,099,000 | $133,000 | $327,000 | $47,000 | $96,000 |
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 | 3,446 | $584,503,000 | $169,000 | $1,632,000 | $96,000 | $2,086,000 |
| Application Withdrawn By Applicant | 450 | $76,264,000 | $169,000 | $1,875,000 | $96,000 | $715,000 |
| Preapproval Denied by Financial Institution | 441 | $72,229,000 | $163,000 | $833,000 | $63,000 | $1,350,000 |
| Application Denied By Financial Institution | 274 | $31,627,000 | $115,000 | $464,000 | $73,000 | $1,372,000 |
| File Closed For Incompleteness | 10 | $1,969,000 | $196,000 | $338,000 | $104,000 | $180,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 427 | $63,397,000 | $148,000 | $440,000 | $70,000 | $1,350,000 |
| Debt-To-Income Ratio | 183 | $24,793,000 | $135,000 | $833,000 | $51,000 | $200,000 |
| Employment History | 42 | $7,413,000 | $176,000 | $380,000 | $53,000 | $123,000 |
| Collateral | 36 | $3,958,000 | $109,000 | $397,000 | $123,000 | $1,372,000 |
| Other | 13 | $2,433,000 | $187,000 | $411,000 | $79,000 | $174,000 |
| Unverifiable Information | 5 | $881,000 | $176,000 | $342,000 | $33,000 | $74,000 |
| Credit Application Incomplete | 5 | $632,000 | $126,000 | $180,000 | $85,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $349,000 | $87,000 | $147,000 | $28,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gate City Bank's 2015 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 Gate City 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.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.