McHenry County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 110 mortgage applications in McHenry County, ND totaling $21.0 million, up 22% from 2024. The average application was for $191,000, and applicants reported an average income of $98,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was First International Bank & Trust, with 17 applications, followed by Town and Country Credit Union and Gate City Bank.
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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 | 110 |
| Total Mortgage Loan Application Amount | $21,040,000 |
| Average Mortgage Loan Application Amount | $191,000 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $446,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 17 | $ 3,765,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 9 | $ 1,475,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 8 | $ 970,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 6 | $ 1,450,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 745,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 835,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 1,775,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 4 | $ 1,030,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 4 | $ 1,160,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 3 | $ 305,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 335,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 3 | $ 305,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 615,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 490,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 100,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 320,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 25,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 275,000 |
| Peoples Bank 9204 COLUMBIA AVE. MUNSTER, IN 46321 |
* | $ n/a | 1 | $ 195,000 |
| Dakota Heritage Bank RED LAKE FALLS, MN 56750 |
* | $ n/a | 1 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 335,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 45,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ n/a | 1 | $ 35,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 155,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 385,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 385,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 255,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 195,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 125,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 365,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 75,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 115,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 125,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in McHenry 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 McHenry County, ND in 2025
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 | 65 | $13,175,000 | $202,000 | $575,000 | $102,000 | $446,000 |
| Cash-out Refinancing | 22 | $3,660,000 | $166,000 | $575,000 | $80,000 | $181,000 |
| Refinancing | 11 | $2,875,000 | $261,000 | $475,000 | $151,000 | $297,000 |
| Other Purpose | 6 | $350,000 | $58,000 | $145,000 | $85,000 | $109,000 |
| Home Improvement | 6 | $980,000 | $163,000 | $505,000 | $79,000 | $128,000 |
| 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 | 86 | $16,110,000 | $187,000 | $575,000 | $101,000 | $446,000 |
| Not Provided | 12 | $1,940,000 | $161,000 | $345,000 | $76,000 | $130,000 |
| Not applicable | 11 | $2,915,000 | $265,000 | $575,000 | $0 | $0 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $66,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 72 | $12,650,000 | $175,000 | $565,000 | $105,000 | $446,000 |
| VA-guaranteed (Veterans Administration) | 20 | $5,710,000 | $285,000 | $575,000 | $91,000 | $205,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,410,000 | $150,000 | $415,000 | $73,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $270,000 | $135,000 | $185,000 | $59,000 | $71,000 |
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 | 68 | $14,190,000 | $208,000 | $575,000 | $104,000 | $446,000 |
| Loan Purchased By The Institution | 15 | $3,775,000 | $251,000 | $575,000 | $87,000 | $113,000 |
| Application Denied By Financial Institution | 13 | $1,365,000 | $105,000 | $255,000 | $77,000 | $181,000 |
| Application Withdrawn By Applicant | 7 | $865,000 | $123,000 | $365,000 | $93,000 | $182,000 |
| File Closed For Incompleteness | 5 | $465,000 | $93,000 | $135,000 | $79,000 | $100,000 |
| Application Approved But Not Accepted | 2 | $380,000 | $190,000 | $295,000 | $105,000 | $164,000 |
| 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 | 90 | $18,280,000 | $203,000 | $575,000 | $98,000 | $446,000 |
| Debt-To-Income Ratio | 9 | $1,555,000 | $172,000 | $435,000 | $110,000 | $219,000 |
| Credit History | 4 | $450,000 | $112,000 | $255,000 | $100,000 | $181,000 |
| Credit Application Incomplete | 3 | $365,000 | $121,000 | $255,000 | $97,000 | $130,000 |
| Collateral | 2 | $220,000 | $110,000 | $195,000 | $91,000 | $109,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $23,000 | $23,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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