McIntosh County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 62 mortgage applications in McIntosh County, ND totaling $6.9 million, up 55% from 2020. The average application was for $111,000, and applicants reported an average income of $86,000. 56% of applications resulted in an originated loan and 6% were denied. The most active lender was First Community Credit Union, with 11 applications, followed by BNC National Bank 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 | $6,910,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $314,000 |
| 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 |
* | $ 850,203,000 | 11 | $ 1,215,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 5 | $ 645,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 336,858,000 | 4 | $ 470,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 310,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,376,396,000 | 3 | $ 255,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 540,918,000 | 3 | $ 425,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 465,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 290,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 130,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 240,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 105,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 862,614,000 | 1 | $ 105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 65,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 75,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 246,223,000 | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 95,000 |
The tables below break down 2021 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 2021
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 | 37 | $3,525,000 | $95,000 | $225,000 | $66,000 | $190,000 |
| Refinancing | 13 | $1,865,000 | $143,000 | $275,000 | $109,000 | $304,000 |
| Cash-out Refinancing | 7 | $1,215,000 | $173,000 | $435,000 | $132,000 | $314,000 |
| Home Improvement | 4 | $200,000 | $50,000 | $65,000 | $91,000 | $140,000 |
| Other Purpose | 1 | $105,000 | $105,000 | $105,000 | $66,000 | $66,000 |
| 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 | 47 | $5,555,000 | $118,000 | $435,000 | $85,000 | $314,000 |
| Not applicable | 10 | $980,000 | $98,000 | $175,000 | $0 | $0 |
| Not Provided | 4 | $270,000 | $67,000 | $95,000 | $75,000 | $140,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $153,000 | $153,000 |
| 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 |
| American Indian or Alaskan Native | 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) | 48 | $5,450,000 | $113,000 | $435,000 | $90,000 | $314,000 |
| FHA-insured (Federal Housing Administration) | 6 | $610,000 | $101,000 | $185,000 | $73,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $330,000 | $82,000 | $135,000 | $57,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 4 | $520,000 | $130,000 | $165,000 | $87,000 | $105,000 |
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 | 35 | $3,985,000 | $113,000 | $435,000 | $92,000 | $314,000 |
| Loan Purchased By The Institution | 11 | $1,035,000 | $94,000 | $175,000 | $70,000 | $70,000 |
| Application Withdrawn By Applicant | 8 | $940,000 | $117,000 | $225,000 | $85,000 | $140,000 |
| Application Denied By Financial Institution | 4 | $370,000 | $92,000 | $155,000 | $38,000 | $86,000 |
| File Closed For Incompleteness | 2 | $290,000 | $145,000 | $225,000 | $131,000 | $162,000 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $35,000 | $35,000 |
| Preapproval Approved but not Accepted | 1 | $65,000 | $65,000 | $65,000 | $16,000 | $16,000 |
| 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 | 53 | $6,015,000 | $113,000 | $435,000 | $84,000 | $314,000 |
| Debt-To-Income Ratio | 7 | $595,000 | $85,000 | $275,000 | $100,000 | $304,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $86,000 | $86,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $40,000 | $40,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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