Gate City Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Gate City Bank 2019 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 | 5,496 |
| Total Mortgage Loan Application Amount | $1,013,850,000 |
| Average Mortgage Loan Application Amount | $148,600 |
| Highest Mortgage Loan Application Amount | $3,785,000 |
| Average Applicant Income | $107,800 |
| Highest Applicant Income | $2,123,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,358 | $ 243,110,000 | $ 179,000 | $ 110,000 |
| Burleigh County North Dakota | 809 | $ 164,855,000 | $ 203,000 | $ 112,000 |
| Clay County Minnesota | 426 | $ 73,180,000 | $ 171,000 | $ 89,000 |
| Grand Forks County North Dakota | 392 | $ 64,310,000 | $ 164,000 | $ 104,000 |
| Ward County North Dakota | 345 | $ 65,685,000 | $ 190,000 | $ 102,000 |
| Morton County North Dakota | 215 | $ 40,365,000 | $ 187,000 | $ 108,000 |
| Otter Tail County Minnesota | 212 | $ 39,230,000 | $ 185,000 | $ 121,000 |
| Williams County North Dakota | 197 | $ 43,675,000 | $ 221,000 | $ 124,000 |
| Stark County North Dakota | 125 | $ 26,045,000 | $ 208,000 | $ 107,000 |
| Stutsman County North Dakota | 115 | $ 16,175,000 | $ 140,000 | $ 96,000 |
| Douglas County Minnesota | 92 | $ 17,740,000 | $ 192,000 | $ 98,000 |
| Polk County Minnesota | 84 | $ 12,280,000 | $ 146,000 | $ 127,000 |
| Becker County Minnesota | 79 | $ 21,535,000 | $ 272,000 | $ 160,000 |
| Ramsey County North Dakota | 71 | $ 12,575,000 | $ 177,000 | $ 79,000 |
| Richland County North Dakota | 65 | $ 8,455,000 | $ 130,000 | $ 91,000 |
| Wilkin County Minnesota | 26 | $ 2,760,000 | $ 106,000 | $ 84,000 |
| Foster County North Dakota | 26 | $ 3,440,000 | $ 132,000 | $ 73,000 |
| McLean County North Dakota | 25 | $ 5,255,000 | $ 210,000 | $ 104,000 |
| Traill County North Dakota | 24 | $ 2,920,000 | $ 121,000 | $ 69,000 |
| Bottineau County North Dakota | 22 | $ 4,470,000 | $ 203,000 | $ 121,000 |
| Maricopa County Arizona | 18 | $ 4,980,000 | $ 276,000 | $ 284,000 |
| Mercer County North Dakota | 18 | $ 3,150,000 | $ 175,000 | $ 117,000 |
| McHenry County North Dakota | 16 | $ 2,760,000 | $ 172,000 | $ 86,000 |
| Hennepin County Minnesota | 15 | $ 3,895,000 | $ 259,000 | $ 128,000 |
| Walsh County North Dakota | 13 | $ 1,255,000 | $ 96,000 | $ 75,000 |
| Barnes County North Dakota | 12 | $ 1,890,000 | $ 157,000 | $ 82,000 |
| McKenzie County North Dakota | 11 | $ 3,355,000 | $ 305,000 | $ 115,000 |
| Hubbard County Minnesota | 9 | $ 2,155,000 | $ 239,000 | $ 152,000 |
| Nelson County North Dakota | 9 | $ 1,135,000 | $ 126,000 | $ 68,000 |
| Norman County Minnesota | 8 | $ 1,220,000 | $ 152,000 | $ 114,000 |
| Renville County North Dakota | 8 | $ 950,000 | $ 118,000 | $ 75,000 |
| Beltrami County Minnesota | 7 | $ 1,575,000 | $ 225,000 | $ 152,000 |
| Marshall County Minnesota | 7 | $ 615,000 | $ 87,000 | $ 97,000 |
| Pope County Minnesota | 7 | $ 1,065,000 | $ 152,000 | $ 98,000 |
| Eddy County North Dakota | 7 | $ 735,000 | $ 105,000 | $ 77,000 |
| Pinal County Arizona | 6 | $ 1,380,000 | $ 230,000 | $ 176,000 |
| Dakota County Minnesota | 6 | $ 1,190,000 | $ 198,000 | $ 90,000 |
| Grant County Minnesota | 6 | $ 680,000 | $ 113,000 | $ 66,000 |
| Stearns County Minnesota | 6 | $ 1,120,000 | $ 186,000 | $ 88,000 |
| Todd County Minnesota | 6 | $ 890,000 | $ 148,000 | $ 87,000 |
| Mountrail County North Dakota | 6 | $ 1,260,000 | $ 210,000 | $ 76,000 |
| Pembina County North Dakota | 6 | $ 620,000 | $ 103,000 | $ 63,000 |
| Clearwater County Minnesota | 5 | $ 935,000 | $ 187,000 | $ 94,000 |
| Benson County North Dakota | 5 | $ 955,000 | $ 191,000 | $ 157,000 |
| Burke County North Dakota | 5 | $ 925,000 | $ 185,000 | $ 144,000 |
| Dunn County North Dakota | 5 | $ 855,000 | $ 171,000 | $ 102,000 |
| Rolette County North Dakota | 5 | $ 425,000 | $ 85,000 | $ 86,000 |
| Sargent County North Dakota | 5 | $ 765,000 | $ 153,000 | $ 80,000 |
| Riley County Kansas | 4 | $ 1,150,000 | $ 287,000 | $ 375,000 |
| Cass County Minnesota | 4 | $ 770,000 | $ 192,000 | $ 89,000 |
| Ramsey County Minnesota | 4 | $ 790,000 | $ 197,000 | $ 89,000 |
| Washington County Minnesota | 4 | $ 1,030,000 | $ 257,000 | $ 182,000 |
| McIntosh County North Dakota | 4 | $ 340,000 | $ 85,000 | $ 73,000 |
| Wells County North Dakota | 4 | $ 300,000 | $ 75,000 | $ 61,000 |
| Lee County Florida | 3 | $ 1,095,000 | $ 365,000 | $ 197,000 |
| Anoka County Minnesota | 3 | $ 715,000 | $ 238,000 | $ 80,000 |
| Crow Wing County Minnesota | 3 | $ 485,000 | $ 161,000 | $ 85,000 |
| Lake of the Woods County Minnesota | 3 | $ 575,000 | $ 191,000 | $ 117,000 |
| Roseau County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 100,000 |
| Wright County Minnesota | 3 | $ 705,000 | $ 235,000 | $ 157,000 |
| Adams County North Dakota | 3 | $ 605,000 | $ 201,000 | $ 176,000 |
| Dickey County North Dakota | 3 | $ 1,255,000 | $ 418,000 | $ 218,000 |
| Griggs County North Dakota | 3 | $ 325,000 | $ 108,000 | $ 65,000 |
| Kidder County North Dakota | 3 | $ 575,000 | $ 191,000 | $ 126,000 |
| Pierce County North Dakota | 3 | $ 305,000 | $ 101,000 | $ 86,000 |
| Mesa County Colorado | 2 | $ 500,000 | $ 250,000 | $ 108,000 |
| Collier County Florida | 2 | $ 850,000 | $ 425,000 | $ 211,000 |
| Marion County Indiana | 2 | $ 240,000 | $ 120,000 | $ 62,000 |
| Pottawatomie County Kansas | 2 | $ 590,000 | $ 295,000 | $ 550,000 |
| Big Stone County Minnesota | 2 | $ 430,000 | $ 215,000 | $ 190,000 |
| Isanti County Minnesota | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Kandiyohi County Minnesota | 2 | $ 650,000 | $ 325,000 | $ 245,000 |
| Mahnomen County Minnesota | 2 | $ 290,000 | $ 145,000 | $ 162,000 |
| Pennington County Minnesota | 2 | $ 220,000 | $ 110,000 | $ 179,000 |
| Red Lake County Minnesota | 2 | $ 380,000 | $ 190,000 | $ 107,000 |
| Scott County Minnesota | 2 | $ 530,000 | $ 265,000 | $ 114,000 |
| St. Louis County Minnesota | 2 | $ 570,000 | $ 285,000 | $ 210,000 |
| Stevens County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 94,000 |
| Traverse County Minnesota | 2 | $ 1,420,000 | $ 710,000 | $ 60,000 |
| Douglas County Nebraska | 2 | $ 180,000 | $ 90,000 | $ 65,000 |
| Sarpy County Nebraska | 2 | $ 450,000 | $ 225,000 | $ 80,000 |
| Emmons County North Dakota | 2 | $ 300,000 | $ 150,000 | $ 109,000 |
| Golden Valley County North Dakota | 2 | $ 190,000 | $ 95,000 | $ 72,000 |
| Hettinger County North Dakota | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| LaMoure County North Dakota | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Oliver County North Dakota | 2 | $ 380,000 | $ 190,000 | $ 155,000 |
| Ransom County North Dakota | 2 | $ 250,000 | $ 125,000 | $ 100,000 |
| Steele County North Dakota | 2 | $ 220,000 | $ 110,000 | $ 179,000 |
| Codington County South Dakota | 2 | $ 600,000 | $ 300,000 | $ 50,000 |
| Lawrence County South Dakota | 2 | $ 530,000 | $ 265,000 | $ 227,000 |
| Minnehaha County South Dakota | 2 | $ 490,000 | $ 245,000 | $ 66,000 |
| Jefferson County Alabama | 1 | $ 145,000 | $ 145,000 | $ 111,000 |
| Mohave County Arizona | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Pima County Arizona | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Yavapai County Arizona | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Riverside County California | 1 | $ 405,000 | $ 405,000 | $ 401,000 |
| Boulder County Colorado | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Douglas County Colorado | 1 | $ 715,000 | $ 715,000 | $ 170,000 |
| El Paso County Colorado | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Jefferson County Colorado | 1 | $ 405,000 | $ 405,000 | $ 89,000 |
| Charlotte County Florida | 1 | $ 275,000 | $ 275,000 | $ 121,000 |
| Osceola County Florida | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Polk County Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Putnam County Georgia | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Perry County Illinois | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Cerro Gordo County Iowa | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Dallas County Iowa | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Douglas County Kansas | 1 | $ 135,000 | $ 135,000 | $ 179,000 |
| Grant County Kansas | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Franklin County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Brown County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Carver County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 124,000 |
| Itasca County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Kittson County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Koochiching County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Lake County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 184,000 |
| Lyon County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Martin County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Mille Lacs County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 198,000 |
| Olmsted County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 553,000 |
| Pipestone County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Rice County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Sherburne County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Wadena County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Oktibbeha County Mississippi | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Gallatin County Montana | 1 | $ 495,000 | $ 495,000 | $ 294,000 |
| Yellowstone County Montana | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Clark County Nevada | 1 | $ 405,000 | $ 405,000 | $ 153,000 |
| Eddy County New Mexico | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Wake County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Billings County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Bowman County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Cavalier County North Dakota | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Divide County North Dakota | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Grant County North Dakota | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Logan County North Dakota | 1 | $ 225,000 | $ 225,000 | $ 157,000 |
| Sheridan County North Dakota | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Towner County North Dakota | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Washington County Oregon | 1 | $ 315,000 | $ 315,000 | $ 98,000 |
| Brookings County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Brown County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Campbell County South Dakota | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Dewey County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Meade County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Pennington County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Roberts County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 127,000 |
| Sevier County Tennessee | 1 | $ 625,000 | $ 625,000 | $ 0 |
| McLennan County Texas | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Kitsap County Washington | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Dane County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Oneida County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Gate City Bank in 2019
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 | 2,768 | $596,650,000 | $215,000 | $1,785,000 | $99,000 | $2,123,000 |
| Refinancing | 1,012 | $199,310,000 | $196,000 | $3,785,000 | $116,000 | $1,160,000 |
| Cash-out Refinancing | 744 | $163,500,000 | $219,000 | $745,000 | $106,000 | $785,000 |
| Home Improvement | 535 | $25,515,000 | $47,000 | $685,000 | $108,000 | $595,000 |
| Other Purpose | 437 | $28,875,000 | $66,000 | $735,000 | $110,000 | $658,000 |
| 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 | 4,623 | $843,435,000 | $182,000 | $1,105,000 | $104,000 | $2,123,000 |
| Not Provided | 512 | $84,860,000 | $165,000 | $695,000 | $109,000 | $618,000 |
| Not applicable | 158 | $48,520,000 | $307,000 | $3,785,000 | $29,000 | $29,000 |
| American Indian or Alaskan Native | 57 | $11,835,000 | $207,000 | $1,785,000 | $132,000 | $1,743,000 |
| Hispanic | 57 | $9,905,000 | $173,000 | $485,000 | $84,000 | $594,000 |
| Asian | 48 | $8,930,000 | $186,000 | $575,000 | $147,000 | $541,000 |
| Black or African American | 39 | $6,305,000 | $161,000 | $315,000 | $67,000 | $204,000 |
| 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) | 4,895 | $898,445,000 | $183,000 | $3,785,000 | $110,000 | $2,123,000 |
| FHA-insured (Federal Housing Administration) | 362 | $64,570,000 | $178,000 | $335,000 | $65,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 147 | $38,015,000 | $258,000 | $765,000 | $88,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $12,820,000 | $139,000 | $295,000 | $47,000 | $95,000 |
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 | 4,337 | $811,295,000 | $187,000 | $3,785,000 | $111,000 | $2,123,000 |
| Application Withdrawn By Applicant | 514 | $99,560,000 | $193,000 | $1,205,000 | $105,000 | $1,160,000 |
| Preapproval Denied by Financial Institution | 377 | $66,605,000 | $176,000 | $475,000 | $58,000 | $955,000 |
| Application Denied By Financial Institution | 211 | $29,145,000 | $138,000 | $1,635,000 | $75,000 | $396,000 |
| Application Approved But Not Accepted | 41 | $5,385,000 | $131,000 | $395,000 | $90,000 | $205,000 |
| File Closed For Incompleteness | 16 | $1,860,000 | $116,000 | $305,000 | $81,000 | $182,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,908 | $918,100,000 | $187,000 | $3,785,000 | $110,000 | $2,123,000 |
| Credit History | 264 | $41,200,000 | $156,000 | $475,000 | $70,000 | $955,000 |
| Debt-To-Income Ratio | 258 | $46,770,000 | $181,000 | $1,635,000 | $52,000 | $301,000 |
| Collateral | 31 | $3,755,000 | $121,000 | $475,000 | $93,000 | $242,000 |
| Other | 16 | $1,250,000 | $78,000 | $215,000 | $87,000 | $174,000 |
| Employment History | 16 | $2,590,000 | $161,000 | $365,000 | $53,000 | $177,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $85,000 | $325,000 | $325,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gate City Bank's 2019 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.