Gate City Bank Mortgage Lending & HMDA Data, 2021
In 2021, Gate City Bank of Fargo, ND reported 8,053 mortgage applications totaling $1.7 billion, down 5% from 2020. The average application was for $210,325, and applicants reported an average income of $105,037. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fargo, ND-MN (2,385), Bismarck, ND (1,506) and Grand Forks, ND-MN (672) (applications in parentheses).
| 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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 8,053 |
| Total Mortgage Loan Application Amount | $1,693,755,000 |
| Average Mortgage Loan Application Amount | $210,325 |
| Highest Mortgage Loan Application Amount | $18,105,000 |
| Average Applicant Income | $105,037 |
| Highest Applicant Income | $1,793,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gate City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass, North Dakota | 1,827 | $ 414,095,000 | $ 226,652 | $ 117,000 |
| Burleigh, North Dakota | 1,152 | $ 275,520,000 | $ 239,166 | $ 115,000 |
| Ward, North Dakota | 576 | $ 120,090,000 | $ 208,489 | $ 100,000 |
| Clay, Minnesota | 558 | $ 104,780,000 | $ 187,777 | $ 94,000 |
| Grand Forks, North Dakota | 555 | $ 103,145,000 | $ 185,846 | $ 104,000 |
| Morton, North Dakota | 349 | $ 72,065,000 | $ 206,489 | $ 101,000 |
| Otter Tail, Minnesota | 315 | $ 64,265,000 | $ 204,015 | $ 116,000 |
| Williams, North Dakota | 219 | $ 54,495,000 | $ 248,835 | $ 111,000 |
| Stark, North Dakota | 170 | $ 31,010,000 | $ 182,411 | $ 107,000 |
| Stutsman, North Dakota | 133 | $ 21,395,000 | $ 160,864 | $ 88,000 |
| Becker, Minnesota | 126 | $ 39,050,000 | $ 309,920 | $ 164,000 |
| Douglas, Minnesota | 121 | $ 23,645,000 | $ 195,413 | $ 100,000 |
| Polk, Minnesota | 117 | $ 21,145,000 | $ 180,726 | $ 103,000 |
| Ramsey, North Dakota | 94 | $ 15,020,000 | $ 159,787 | $ 90,000 |
| Richland, North Dakota | 89 | $ 14,655,000 | $ 164,662 | $ 92,000 |
| Stearns, Minnesota | 53 | $ 10,145,000 | $ 191,415 | $ 96,000 |
| Foster, North Dakota | 53 | $ 6,245,000 | $ 117,830 | $ 90,000 |
| McLean, North Dakota | 48 | $ 8,220,000 | $ 171,250 | $ 136,000 |
| Traill, North Dakota | 45 | $ 6,825,000 | $ 151,666 | $ 100,000 |
| Wilkin, Minnesota | 44 | $ 6,730,000 | $ 152,954 | $ 82,000 |
| Walsh, North Dakota | 36 | $ 3,980,000 | $ 110,555 | $ 90,000 |
| Mercer, North Dakota | 29 | $ 5,035,000 | $ 173,620 | $ 111,000 |
| Maricopa, Arizona | 26 | $ 5,870,000 | $ 225,769 | $ 175,000 |
| Hennepin, Minnesota | 24 | $ 6,610,000 | $ 275,416 | $ 170,000 |
| McHenry, North Dakota | 22 | $ 3,190,000 | $ 145,000 | $ 103,000 |
| Renville, North Dakota | 21 | $ 2,655,000 | $ 126,428 | $ 97,000 |
| Bottineau, North Dakota | 19 | $ 3,995,000 | $ 210,263 | $ 114,000 |
| Sherburne, Minnesota | 16 | $ 4,420,000 | $ 276,250 | $ 141,000 |
| Barnes, North Dakota | 15 | $ 2,475,000 | $ 165,000 | $ 87,000 |
| Mountrail, North Dakota | 15 | $ 4,245,000 | $ 283,000 | $ 159,000 |
| Hubbard, Minnesota | 13 | $ 3,425,000 | $ 263,461 | $ 141,000 |
| McKenzie, North Dakota | 13 | $ 3,455,000 | $ 265,769 | $ 129,000 |
| Benton, Minnesota | 12 | $ 1,820,000 | $ 151,666 | $ 84,000 |
| Grant, Minnesota | 12 | $ 1,310,000 | $ 109,166 | $ 73,000 |
| Pope, Minnesota | 12 | $ 1,730,000 | $ 144,166 | $ 60,000 |
| Nelson, North Dakota | 12 | $ 1,560,000 | $ 130,000 | $ 74,000 |
| Dakota, Minnesota | 10 | $ 2,980,000 | $ 298,000 | $ 140,000 |
| Marshall, Minnesota | 10 | $ 1,330,000 | $ 133,000 | $ 83,000 |
| Eddy, North Dakota | 10 | $ 1,040,000 | $ 104,000 | $ 71,000 |
| Logan, North Dakota | 9 | $ 975,000 | $ 108,333 | $ 105,000 |
| Pembina, North Dakota | 9 | $ 1,225,000 | $ 136,111 | $ 88,000 |
| Ransom, North Dakota | 9 | $ 1,565,000 | $ 173,888 | $ 104,000 |
| Beltrami, Minnesota | 8 | $ 1,310,000 | $ 163,750 | $ 112,000 |
| Clearwater, Minnesota | 8 | $ 700,000 | $ 87,500 | $ 135,000 |
| Norman, Minnesota | 8 | $ 810,000 | $ 101,250 | $ 69,000 |
| Wright, Minnesota | 8 | $ 1,890,000 | $ 236,250 | $ 150,000 |
| Benson, North Dakota | 8 | $ 1,420,000 | $ 177,500 | $ 166,000 |
| Burke, North Dakota | 8 | $ 950,000 | $ 118,750 | $ 93,000 |
| Rolette, North Dakota | 7 | $ 1,065,000 | $ 152,142 | $ 79,000 |
| Ramsey, Minnesota | 6 | $ 1,350,000 | $ 225,000 | $ 158,000 |
| Todd, Minnesota | 6 | $ 1,040,000 | $ 173,333 | $ 107,000 |
| Emmons, North Dakota | 6 | $ 810,000 | $ 135,000 | $ 68,000 |
| Sargent, North Dakota | 6 | $ 1,060,000 | $ 176,666 | $ 143,000 |
| Wells, North Dakota | 6 | $ 990,000 | $ 165,000 | $ 72,000 |
| Mahnomen, Minnesota | 5 | $ 835,000 | $ 167,000 | $ 141,000 |
| Pennington, Minnesota | 5 | $ 775,000 | $ 155,000 | $ 81,000 |
| St. Louis, Minnesota | 5 | $ 2,205,000 | $ 441,000 | $ 264,000 |
| Stevens, Minnesota | 5 | $ 595,000 | $ 119,000 | $ 123,000 |
| Washington, Minnesota | 5 | $ 2,085,000 | $ 417,000 | $ 279,000 |
| Gallatin, Montana | 5 | $ 2,305,000 | $ 461,000 | $ 182,000 |
| Adams, North Dakota | 5 | $ 655,000 | $ 131,000 | $ 49,000 |
| LaMoure, North Dakota | 5 | $ 605,000 | $ 121,000 | $ 101,000 |
| Oliver, North Dakota | 5 | $ 625,000 | $ 125,000 | $ 82,000 |
| Towner, North Dakota | 5 | $ 615,000 | $ 123,000 | $ 58,000 |
| Pinal, Arizona | 4 | $ 930,000 | $ 232,500 | $ 216,000 |
| Chisago, Minnesota | 4 | $ 1,200,000 | $ 300,000 | $ 232,000 |
| Crow Wing, Minnesota | 4 | $ 750,000 | $ 187,500 | $ 72,000 |
| Morrison, Minnesota | 4 | $ 820,000 | $ 205,000 | $ 52,000 |
| Olmsted, Minnesota | 4 | $ 1,910,000 | $ 477,500 | $ 168,000 |
| Roseau, Minnesota | 4 | $ 720,000 | $ 180,000 | $ 72,000 |
| Cavalier, North Dakota | 4 | $ 490,000 | $ 122,500 | $ 82,000 |
| Griggs, North Dakota | 4 | $ 600,000 | $ 150,000 | $ 98,000 |
| Hettinger, North Dakota | 4 | $ 480,000 | $ 120,000 | $ 102,000 |
| Pierce, North Dakota | 4 | $ 590,000 | $ 147,500 | $ 40,000 |
| Steele, North Dakota | 4 | $ 590,000 | $ 147,500 | $ 114,000 |
| Anoka, Minnesota | 3 | $ 585,000 | $ 195,000 | $ 92,000 |
| Carver, Minnesota | 3 | $ 1,225,000 | $ 408,333 | $ 161,000 |
| Isanti, Minnesota | 3 | $ 305,000 | $ 101,666 | $ 40,000 |
| Lake of the Woods, Minnesota | 3 | $ 365,000 | $ 121,666 | $ 130,000 |
| Pipestone, Minnesota | 3 | $ 495,000 | $ 165,000 | $ 69,000 |
| Red Lake, Minnesota | 3 | $ 465,000 | $ 155,000 | $ 107,000 |
| Wadena, Minnesota | 3 | $ 375,000 | $ 125,000 | $ 77,000 |
| Roosevelt, Montana | 3 | $ 255,000 | $ 85,000 | $ 52,000 |
| Billings, North Dakota | 3 | $ 445,000 | $ 148,333 | $ 43,000 |
| Kidder, North Dakota | 3 | $ 705,000 | $ 235,000 | $ 110,000 |
| Tarrant, Texas | 3 | $ 475,000 | $ 158,333 | $ 217,000 |
| Jefferson, West Virginia | 3 | $ 1,455,000 | $ 485,000 | $ 114,000 |
| Mohave, Arizona | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Pima, Arizona | 2 | $ 500,000 | $ 250,000 | $ 61,000 |
| Riverside, California | 2 | $ 980,000 | $ 490,000 | $ 144,000 |
| Weld, Colorado | 2 | $ 710,000 | $ 355,000 | $ 100,000 |
| District of Columbia, District Of Columbia | 2 | $ 640,000 | $ 320,000 | $ 265,000 |
| Lee, Florida | 2 | $ 760,000 | $ 380,000 | $ 223,000 |
| Manatee, Florida | 2 | $ 740,000 | $ 370,000 | $ 143,000 |
| Carlton, Minnesota | 2 | $ 290,000 | $ 145,000 | $ 74,000 |
| Cass, Minnesota | 2 | $ 800,000 | $ 400,000 | $ 162,000 |
| Kandiyohi, Minnesota | 2 | $ 440,000 | $ 220,000 | $ 57,000 |
| Kittson, Minnesota | 2 | $ 160,000 | $ 80,000 | $ 31,000 |
| McLeod, Minnesota | 2 | $ 370,000 | $ 185,000 | $ 109,000 |
| Scott, Minnesota | 2 | $ 1,250,000 | $ 625,000 | $ 160,000 |
| Wabasha, Minnesota | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Yellowstone, Montana | 2 | $ 620,000 | $ 310,000 | $ 152,000 |
| Clark, Nevada | 2 | $ 620,000 | $ 310,000 | $ 128,000 |
| Dunn, North Dakota | 2 | $ 780,000 | $ 390,000 | $ 112,000 |
| Grant, North Dakota | 2 | $ 100,000 | $ 50,000 | $ 45,000 |
| Luzerne, Pennsylvania | 2 | $ 420,000 | $ 210,000 | $ 121,000 |
| Brookings, South Dakota | 2 | $ 390,000 | $ 195,000 | $ 98,000 |
| Custer, South Dakota | 2 | $ 500,000 | $ 250,000 | $ 160,000 |
| Lawrence, South Dakota | 2 | $ 830,000 | $ 415,000 | $ 193,000 |
| Meade, South Dakota | 2 | $ 330,000 | $ 165,000 | $ 48,000 |
| Minnehaha, South Dakota | 2 | $ 420,000 | $ 210,000 | $ 45,000 |
| Roberts, South Dakota | 2 | $ 370,000 | $ 185,000 | $ 114,000 |
| Walworth, South Dakota | 2 | $ 220,000 | $ 110,000 | $ 52,000 |
| McLennan, Texas | 2 | $ 130,000 | $ 65,000 | $ 96,000 |
| Pierce, Wisconsin | 2 | $ 530,000 | $ 265,000 | $ 95,000 |
| Boulder, Colorado | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Jefferson, Colorado | 1 | $ 405,000 | $ 405,000 | $ 120,000 |
| Larimer, Colorado | 1 | $ 245,000 | $ 245,000 | $ 47,000 |
| Litchfield, Connecticut | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Bay, Florida | 1 | $ 225,000 | $ 225,000 | $ 160,000 |
| Brevard, Florida | 1 | $ 365,000 | $ 365,000 | $ 107,000 |
| Flagler, Florida | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Pasco, Florida | 1 | $ 295,000 | $ 295,000 | $ 119,000 |
| Santa Rosa, Florida | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Sumter, Florida | 1 | $ 265,000 | $ 265,000 | $ 122,000 |
| Carroll, Georgia | 1 | $ 165,000 | $ 165,000 | $ 139,000 |
| Fulton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 339,000 |
| Houston, Georgia | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Hawaii, Hawaii | 1 | $ 195,000 | $ 195,000 | $ 185,000 |
| Wayne, Indiana | 1 | $ 235,000 | $ 235,000 | $ 220,000 |
| Cerro Gordo, Iowa | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| St. Bernard, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Charlevoix, Michigan | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Houghton, Michigan | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Cottonwood, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 200,000 |
| Faribault, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Freeborn, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Itasca, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Koochiching, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Lac qui Parle, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Le Sueur, Minnesota | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Mille Lacs, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Renville, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Rice, Minnesota | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Steele, Minnesota | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| Swift, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Traverse, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Itawamba, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 108,000 |
| Jones, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Lowndes, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Boone, Missouri | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Buchanan, Missouri | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Cascade, Montana | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Lewis and Clark, Montana | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Powell, Montana | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Sheridan, Montana | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Silver Bow, Montana | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Valley, Montana | 1 | $ 195,000 | $ 195,000 | $ 118,000 |
| Cass, Nebraska | 1 | $ 405,000 | $ 405,000 | $ 284,000 |
| Washoe, Nevada | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Essex, New Jersey | 1 | $ 395,000 | $ 395,000 | $ 675,000 |
| Eddy, New Mexico | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Rockingham, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Bowman, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 157,000 |
| Dickey, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Divide, North Dakota | 1 | $ 145,000 | $ 145,000 | $ 109,000 |
| McIntosh, North Dakota | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Sheridan, North Dakota | 1 | $ 45,000 | $ 45,000 | $ 188,000 |
| Butte, South Dakota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Codington, South Dakota | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Lincoln, South Dakota | 1 | $ 565,000 | $ 565,000 | $ 275,000 |
| Pennington, South Dakota | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Dallas, Texas | 1 | $ 275,000 | $ 275,000 | $ 196,000 |
| Fort Bend, Texas | 1 | $ 205,000 | $ 205,000 | $ 131,000 |
| Lubbock, Texas | 1 | $ 225,000 | $ 225,000 | $ 188,000 |
| Montgomery, Texas | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Williamson, Texas | 1 | $ 295,000 | $ 295,000 | $ 271,000 |
| Iron, Utah | 1 | $ 215,000 | $ 215,000 | $ 165,000 |
| King, Washington | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Kitsap, Washington | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Snohomish, Washington | 1 | $ 185,000 | $ 185,000 | $ 242,000 |
| Whitman, Washington | 1 | $ 385,000 | $ 385,000 | $ 279,000 |
| Barron, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Ozaukee, Wisconsin | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| Campbell, Wyoming | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Gate City Bank in 2021
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 | 3,378 | $845,850,000 | $250,000 | $18,105,000 | $97,000 | $1,793,000 |
| Refinancing | 2,378 | $473,450,000 | $199,000 | $1,465,000 | $107,000 | $757,000 |
| Cash-out Refinancing | 1,367 | $307,595,000 | $225,000 | $1,045,000 | $109,000 | $1,260,000 |
| Home Improvement | 500 | $31,070,000 | $62,000 | $455,000 | $122,000 | $1,253,000 |
| Other Purpose | 430 | $35,790,000 | $83,000 | $805,000 | $125,000 | $665,000 |
| 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 | 6,894 | $1,432,610,000 | $207,000 | $1,505,000 | $105,000 | $1,793,000 |
| Not Provided | 555 | $112,745,000 | $203,000 | $1,075,000 | $122,000 | $1,260,000 |
| Not applicable | 251 | $75,055,000 | $299,000 | $18,105,000 | $0 | $0 |
| Hispanic | 105 | $19,675,000 | $187,000 | $445,000 | $76,000 | $359,000 |
| American Indian or Alaskan Native | 92 | $18,240,000 | $198,000 | $525,000 | $80,000 | $315,000 |
| Black or African American | 81 | $17,395,000 | $214,000 | $645,000 | $78,000 | $288,000 |
| Asian | 59 | $14,315,000 | $242,000 | $675,000 | $110,000 | $541,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,190,000 | $198,000 | $365,000 | $81,000 | $103,000 |
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) | 7,174 | $1,509,610,000 | $210,000 | $18,105,000 | $110,000 | $1,793,000 |
| FHA-insured (Federal Housing Administration) | 509 | $97,365,000 | $191,000 | $365,000 | $60,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 268 | $70,340,000 | $262,000 | $755,000 | $90,000 | $293,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 102 | $16,440,000 | $161,000 | $355,000 | $58,000 | $630,000 |
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 | 6,049 | $1,276,195,000 | $210,000 | $18,105,000 | $111,000 | $1,221,000 |
| Application Withdrawn By Applicant | 772 | $181,040,000 | $234,000 | $1,505,000 | $115,000 | $1,793,000 |
| Preapproval Denied by Financial Institution | 703 | $143,145,000 | $203,000 | $755,000 | $59,000 | $630,000 |
| Application Denied By Financial Institution | 399 | $71,485,000 | $179,000 | $1,585,000 | $77,000 | $686,000 |
| File Closed For Incompleteness | 69 | $12,635,000 | $183,000 | $405,000 | $102,000 | $491,000 |
| Application Approved But Not Accepted | 61 | $9,255,000 | $151,000 | $575,000 | $128,000 | $1,253,000 |
| 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 | 6,951 | $1,479,125,000 | $212,000 | $18,105,000 | $112,000 | $1,793,000 |
| Debt-To-Income Ratio | 515 | $106,225,000 | $206,000 | $1,585,000 | $51,000 | $422,000 |
| Credit History | 364 | $67,860,000 | $186,000 | $745,000 | $75,000 | $630,000 |
| Credit Application Incomplete | 88 | $19,400,000 | $220,000 | $585,000 | $87,000 | $686,000 |
| Collateral | 64 | $7,920,000 | $123,000 | $395,000 | $85,000 | $222,000 |
| Employment History | 36 | $7,450,000 | $206,000 | $415,000 | $50,000 | $127,000 |
| Other | 30 | $4,850,000 | $161,000 | $445,000 | $106,000 | $295,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $925,000 | $185,000 | $225,000 | $65,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gate City Bank's 2021 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.
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