T & C Real Estate Services LLC Mortgage Lending & HMDA Data, 2020
In 2020, T & C Real Estate Services LLC of Minot, ND reported 127 mortgage applications totaling $22.2 million, up 9% from 2019. The average application was for $175,157, and applicants reported an average income of $83,622. 77% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Fargo, ND-MN (56), Grand Forks, ND-MN (4) and Bismarck, ND (2) (applications in parentheses).
| Mortgage Company & Address | T & C Real Estate Services LLC 615 S Broadway Minot, ND 58701 |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 |
| Total Number of Mortgage Applications | 127 |
| Total Mortgage Loan Application Amount | $22,245,000 |
| Average Mortgage Loan Application Amount | $175,157 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $83,622 |
| Highest Applicant Income | $300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records T & C Real Estate Services LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 65 | $ 9,295,000 | $ 143,000 | $ 84,600 |
| Fargo, ND-MN | 56 | $ 11,550,000 | $ 206,250 | $ 80,982 |
| Grand Forks, ND-MN | 4 | $ 930,000 | $ 232,500 | $ 120,000 |
| Bismarck, ND | 2 | $ 470,000 | $ 235,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for T & C Real Estate Services LLC 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 79 | $13,305,000 | $168,000 | $515,000 | $79,000 | $293,000 |
| Refinancing | 25 | $4,065,000 | $162,000 | $415,000 | $85,000 | $300,000 |
| Cash-out Refinancing | 23 | $4,875,000 | $211,000 | $485,000 | $98,000 | $245,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 97 | $16,595,000 | $171,000 | $485,000 | $83,000 | $216,000 |
| Not Provided | 26 | $4,460,000 | $171,000 | $515,000 | $93,000 | $300,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $175,000 | $59,000 | $76,000 |
| Hispanic | 2 | $850,000 | $425,000 | $435,000 | $34,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 85 | $14,845,000 | $174,000 | $515,000 | $96,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 27 | $4,085,000 | $151,000 | $265,000 | $67,000 | $135,000 |
| VA-guaranteed (Veterans Administration) | 15 | $3,315,000 | $221,000 | $435,000 | $47,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 98 | $17,210,000 | $175,000 | $515,000 | $81,000 | $300,000 |
| Application Withdrawn By Applicant | 29 | $5,035,000 | $173,000 | $435,000 | $93,000 | $245,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
| 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 | 127 | $22,245,000 | $175,000 | $515,000 | $84,000 | $300,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into T & C Real Estate Services LLC's 2020 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 T & C Real Estate Services LLC'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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