Logan County, ND Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 29 mortgage applications in Logan County, ND totaling $2.1 million, up 16% from 2017. The average application was for $71,000, and applicants reported an average income of $71,000. 59% of applications resulted in an originated loan and 24% were denied. The most active lender was First Community Credit Union, with 9 applications, followed by Wells Fargo Bank NA and Freedom Mortgage Corporation.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 29 |
| Total Mortgage Loan Application Amount | $2,085,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $195,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $300,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 618,980,000 | 9 | $ 505,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 205,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 160,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ 112,519,000 | 2 | $ 110,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 2 | $ 170,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 380,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 446,870,000 | 2 | $ 60,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 70,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,463,284,000 | 1 | $ 65,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 291,483,000 | 1 | $ 75,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,249,881,000 | 1 | $ 65,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2018 mortgage applications in Logan County, ND by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Logan County, ND in 2018
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 | 9 | $665,000 | $73,000 | $135,000 | $39,000 | $78,000 |
| Cash-out Refinancing | 7 | $685,000 | $97,000 | $195,000 | $50,000 | $100,000 |
| Home Improvement | 4 | $260,000 | $65,000 | $155,000 | $155,000 | $300,000 |
| Other Purpose | 4 | $270,000 | $67,000 | $125,000 | $106,000 | $141,000 |
| Not Applicable | 3 | $155,000 | $51,000 | $75,000 | $51,000 | $51,000 |
| Refinancing | 2 | $50,000 | $25,000 | $25,000 | $47,000 | $55,000 |
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 | 24 | $1,690,000 | $70,000 | $195,000 | $63,000 | $300,000 |
| Not applicable | 2 | $140,000 | $70,000 | $75,000 | $0 | $0 |
| Not Provided | 2 | $230,000 | $115,000 | $155,000 | $177,000 | $222,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $40,000 | $40,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 21 | $1,245,000 | $59,000 | $185,000 | $73,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 6 | $610,000 | $101,000 | $195,000 | $71,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $230,000 | $115,000 | $135,000 | $26,000 | $26,000 |
| 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 | 17 | $1,165,000 | $68,000 | $195,000 | $71,000 | $300,000 |
| Application Denied By Financial Institution | 7 | $355,000 | $50,000 | $95,000 | $59,000 | $141,000 |
| Application Withdrawn By Applicant | 3 | $425,000 | $141,000 | $185,000 | $99,000 | $222,000 |
| Loan Purchased By The Institution | 2 | $140,000 | $70,000 | $75,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 22 | $1,730,000 | $78,000 | $195,000 | $76,000 | $300,000 |
| Collateral | 3 | $165,000 | $55,000 | $95,000 | $71,000 | $141,000 |
| Credit History | 2 | $40,000 | $20,000 | $25,000 | $27,000 | $31,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $132,000 | $132,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $13,000 | $13,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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