McHenry County, ND Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 174 mortgage applications in McHenry County, ND totaling $12.2 million, down 27% from 2005. The average application was for $70,000, and applicants reported an average income of $72,000. 46% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank, NA, with 23 applications, followed by Town and Country Credit Union and Abn Amro Mtg Group Inc.
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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 | 174 |
| Total Mortgage Loan Application Amount | $12,229,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,282,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 23 | $ 1,621,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 133,455,000 | 14 | $ 706,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 14 | $ 951,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 13 | $ 962,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,146,400,000 | 8 | $ 493,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 7 | $ 343,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 822,369,000 | 7 | $ 463,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 317,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 6 | $ 451,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 5 | $ 527,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 432,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 4 | $ 173,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 4 | $ 472,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 250,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 179,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 727,328,000 | 3 | $ 243,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 3 | $ 235,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 3 | $ 155,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 2 | $ 179,000 |
| Webster Bank, N.A. 145 BANK ST WATERBURY, CT 06702 |
* | $ 17,599,320,000 | 2 | $ 35,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 2 | $ 126,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 2 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 2 | $ 86,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,695,498,000 | 2 | $ 104,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,453,449,000 | 2 | $ 113,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 3,387,027,000 | 1 | $ 125,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 61,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 92,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 32,414,250,000 | 1 | $ 179,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,165,210,000 | 1 | $ 73,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 130,184,000 | 1 | $ 245,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 1 | $ 125,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 416,365,000 | 1 | $ 5,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 62,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 60,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 52,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 703,060,000 | 1 | $ 35,000 |
| First National Bank 101 DIXIE HIGHWAY CHICAGO HEIGHTS, IL 60411 |
* | $ 495,438,000 | 1 | $ 47,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 1 | $ 51,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 1 | $ 54,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,900,290,000 | 1 | $ 53,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 5,455,865,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 20,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Marketplace Home Mortgage, LLC 3600 MINNESOTA DRIVE, SUITE 150 EDINA, MN 55435 |
* | $ 10,000,000 | 1 | $ 108,000 |
The tables below break down 2006 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 2006
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 | 101 | $7,113,000 | $70,000 | $240,000 | $85,000 | $1,282,000 |
| Refinancing | 64 | $4,807,000 | $75,000 | $350,000 | $52,000 | $298,000 |
| Home Improvement | 9 | $309,000 | $34,000 | $71,000 | $79,000 | $297,000 |
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 | 132 | $8,884,000 | $67,000 | $350,000 | $54,000 | $298,000 |
| Not applicable | 20 | $1,469,000 | $73,000 | $245,000 | $94,000 | $1,282,000 |
| Not Provided | 18 | $1,637,000 | $90,000 | $240,000 | $188,000 | $1,282,000 |
| American Indian or Alaskan Native | 2 | $130,000 | $65,000 | $104,000 | $72,000 | $72,000 |
| Hispanic | 2 | $109,000 | $54,000 | $61,000 | $34,000 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 162 | $11,394,000 | $70,000 | $350,000 | $74,000 | $1,282,000 |
| FHA-insured (Federal Housing Administration) | 5 | $289,000 | $57,000 | $88,000 | $55,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 5 | $463,000 | $92,000 | $124,000 | $33,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $83,000 | $41,000 | $59,000 | $28,000 | $38,000 |
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 | 80 | $5,027,000 | $62,000 | $245,000 | $71,000 | $1,282,000 |
| Loan Purchased By The Institution | 31 | $2,347,000 | $75,000 | $245,000 | $117,000 | $1,282,000 |
| Application Denied By Financial Institution | 31 | $2,084,000 | $67,000 | $350,000 | $47,000 | $298,000 |
| Application Approved But Not Accepted | 13 | $1,103,000 | $84,000 | $195,000 | $61,000 | $94,000 |
| Application Withdrawn By Applicant | 12 | $1,021,000 | $85,000 | $200,000 | $62,000 | $84,000 |
| File Closed For Incompleteness | 7 | $647,000 | $92,000 | $150,000 | $40,000 | $86,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $533,000 | $53,000 | $125,000 | $80,000 | $298,000 |
| Debt-To-Income Ratio | 4 | $547,000 | $136,000 | $350,000 | $21,000 | $50,000 |
| Collateral | 4 | $233,000 | $58,000 | $70,000 | $50,000 | $60,000 |
| Credit Application Incomplete | 1 | $51,000 | $51,000 | $51,000 | $60,000 | $60,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $27,000 | $27,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $34,000 | $34,000 |
| 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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