McIntosh County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 62 mortgage applications in McIntosh County, ND totaling $6.3 million, up 55% from 2024. The average application was for $101,000, and applicants reported an average income of $107,000. 63% of applications resulted in an originated loan and 13% were denied. The most active lender was First Community Credit Union, with 13 applications, followed by Hometown Credit Union and Unison 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 | 62 |
| Total Mortgage Loan Application Amount | $6,320,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $653,000 |
| 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 |
* | $ n/a | 13 | $ 1,335,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ n/a | 9 | $ 765,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ n/a | 7 | $ 915,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 175,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 250,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 2 | $ 160,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 210,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 50,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 2 | $ 200,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 420,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 125,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 1 | $ 105,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 35,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 175,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 95,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 1 | $ 125,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 95,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 155,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 145,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in McIntosh 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 McIntosh 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 | 31 | $4,265,000 | $137,000 | $345,000 | $113,000 | $606,000 |
| Other Purpose | 11 | $565,000 | $51,000 | $125,000 | $148,000 | $653,000 |
| Refinancing | 9 | $775,000 | $86,000 | $205,000 | $89,000 | $155,000 |
| Cash-out Refinancing | 9 | $625,000 | $69,000 | $105,000 | $69,000 | $110,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $55,000 | $40,000 | $55,000 |
| 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 | 49 | $4,885,000 | $99,000 | $345,000 | $108,000 | $653,000 |
| Not applicable | 7 | $755,000 | $107,000 | $205,000 | $110,000 | $110,000 |
| Not Provided | 5 | $525,000 | $105,000 | $285,000 | $103,000 | $269,000 |
| Hispanic | 1 | $155,000 | $155,000 | $155,000 | $79,000 | $79,000 |
| 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) | 50 | $5,100,000 | $102,000 | $345,000 | $120,000 | $653,000 |
| FHA-insured (Federal Housing Administration) | 9 | $815,000 | $90,000 | $155,000 | $54,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 3 | $405,000 | $135,000 | $155,000 | $57,000 | $92,000 |
| 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 | 39 | $4,245,000 | $108,000 | $345,000 | $109,000 | $653,000 |
| Application Withdrawn By Applicant | 9 | $885,000 | $98,000 | $155,000 | $121,000 | $606,000 |
| Application Denied By Financial Institution | 8 | $610,000 | $76,000 | $145,000 | $91,000 | $190,000 |
| Loan Purchased By The Institution | 5 | $525,000 | $105,000 | $205,000 | $110,000 | $110,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $26,000 | $26,000 |
| Application Approved But Not Accepted | 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 | 47 | $4,795,000 | $102,000 | $345,000 | $111,000 | $653,000 |
| Debt-To-Income Ratio | 7 | $915,000 | $130,000 | $335,000 | $103,000 | $229,000 |
| Collateral | 3 | $125,000 | $41,000 | $75,000 | $98,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $145,000 | $72,000 | $86,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $190,000 | $190,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $34,000 | $34,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $63,000 | $63,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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