McHenry County, ND Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 168 mortgage applications in McHenry County, ND totaling $31.3 million, up 49% from 2019. The average application was for $186,000, and applicants reported an average income of $106,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was Gate City Bank, with 27 applications, followed by First International Bank & Trust and US Bank, N.A..
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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 | 168 |
| Total Mortgage Loan Application Amount | $31,330,000 |
| Average Mortgage Loan Application Amount | $186,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $551,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 27 | $ 4,935,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 21 | $ 4,515,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 14 | $ 2,830,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 9 | $ 1,355,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,089,559,000 | 8 | $ 1,120,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 484,003,000 | 8 | $ 1,660,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,671,850,000 | 5 | $ 1,005,000 |
| T & C Real Estate Services LLC 615 S BROADWAY MINOT, ND 58701 |
* | $ -1,000 | 5 | $ 835,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 5 | $ 605,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 910,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 605,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 3 | $ 515,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 3 | $ 685,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 245,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 280,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 240,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 246,223,000 | 2 | $ 610,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,376,396,000 | 2 | $ 210,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 440,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 600,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 2 | $ 120,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 270,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 490,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 490,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 240,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 125,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 1 | $ 185,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 95,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 415,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 717,012,000 | 1 | $ 245,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 365,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 205,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 285,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 195,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 285,000 |
The tables below break down 2020 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 60 | $13,610,000 | $226,000 | $415,000 | $109,000 | $233,000 |
| Cash-out Refinancing | 49 | $9,755,000 | $199,000 | $485,000 | $116,000 | $551,000 |
| Home Purchase | 48 | $7,110,000 | $148,000 | $445,000 | $87,000 | $396,000 |
| Other Purpose | 7 | $515,000 | $73,000 | $105,000 | $147,000 | $456,000 |
| Not Applicable | 3 | $295,000 | $98,000 | $135,000 | $0 | $0 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $88,000 | $88,000 |
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 | 134 | $24,720,000 | $184,000 | $485,000 | $106,000 | $551,000 |
| Not Provided | 18 | $3,640,000 | $202,000 | $435,000 | $106,000 | $281,000 |
| Not applicable | 16 | $2,970,000 | $185,000 | $345,000 | $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 |
| 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) | 126 | $24,120,000 | $191,000 | $485,000 | $115,000 | $551,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,330,000 | $216,000 | $455,000 | $93,000 | $215,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,535,000 | $133,000 | $245,000 | $55,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $345,000 | $115,000 | $125,000 | $52,000 | $62,000 |
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 | 103 | $19,725,000 | $191,000 | $485,000 | $103,000 | $551,000 |
| Loan Purchased By The Institution | 23 | $4,115,000 | $178,000 | $345,000 | $112,000 | $190,000 |
| Application Denied By Financial Institution | 20 | $2,730,000 | $136,000 | $365,000 | $114,000 | $456,000 |
| Application Withdrawn By Applicant | 17 | $3,795,000 | $223,000 | $455,000 | $110,000 | $245,000 |
| File Closed For Incompleteness | 3 | $625,000 | $208,000 | $435,000 | $141,000 | $281,000 |
| Application Approved But Not Accepted | 2 | $340,000 | $170,000 | $275,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 133 | $25,685,000 | $193,000 | $485,000 | $102,000 | $551,000 |
| Debt-To-Income Ratio | 21 | $3,965,000 | $188,000 | $375,000 | $114,000 | $215,000 |
| Credit History | 6 | $790,000 | $131,000 | $365,000 | $119,000 | $396,000 |
| Collateral | 3 | $245,000 | $81,000 | $125,000 | $127,000 | $185,000 |
| Credit Application Incomplete | 3 | $265,000 | $88,000 | $95,000 | $202,000 | $456,000 |
| Unverifiable Information | 2 | $380,000 | $190,000 | $195,000 | $44,000 | $88,000 |
| Other | 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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