McKenzie County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 453 mortgage applications in McKenzie County, ND totaling $152.7 million, up 48% from 2024. The average application was for $336,000, and applicants reported an average income of $148,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was Fairway Independent Mort Corp, with 74 applications, followed by First International Bank & Trust and Crosscountry Mortgage, LLC.
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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 | 453 |
| Total Mortgage Loan Application Amount | $152,655,000 |
| Average Mortgage Loan Application Amount | $336,000 |
| Highest Mortgage Loan Application Amount | $8,535,000 |
| Average Applicant Income | $148,000 |
| Highest Applicant Income | $1,239,000 |
* 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 |
|---|---|---|---|---|
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 74 | $ 27,850,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 47 | $ 10,385,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 20 | $ 7,140,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ n/a | 19 | $ 5,415,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 18 | $ 5,810,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 18 | $ 3,400,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 4,645,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 4,675,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 13 | $ 4,185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 12 | $ 3,650,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 11 | $ 2,295,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 10 | $ 4,060,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 3,640,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 8 | $ 1,320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 1,195,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 1,415,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 7 | $ 2,245,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 1,990,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 290,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 2,130,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 565,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 5 | $ 1,825,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 4 | $ 150,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 945,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 785,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 3 | $ 1,655,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 645,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 985,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 90,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 2 | $ 890,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 860,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 830,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 2 | $ 810,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 2 | $ 3,310,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 2 | $ 920,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 2 | $ 770,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 2 | $ 840,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 2 | $ 3,310,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 840,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 910,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 750,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 620,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 620,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 240,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 1,990,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 405,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 285,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 1 | $ 1,925,000 |
| National Cooperative Bank, N.A. 139 SOUTH HIGH STREET HILLSBORO, OH 45133 |
* | $ n/a | 1 | $ 145,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 1 | $ 365,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 165,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 1,845,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 65,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 485,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 1 | $ 305,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 335,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 225,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 845,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 195,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 365,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ n/a | 1 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 445,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 205,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 365,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 365,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 1 | $ 1,755,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 355,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 145,000 |
| Lument Real Estate Capital 10 W BROAD STREET, 8TH FLOOR COLUMBUS, OH 43215 |
* | $ n/a | 1 | $ 8,535,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 205,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 25,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 255,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 495,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 1 | $ 585,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 255,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 1 | $ 75,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 205,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 275,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 1 | $ 105,000 |
| American Bank of Commerce 530 US 62 FRONTAGE RD WOLFFORTH, TX 79382 |
* | $ n/a | 1 | $ 565,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 485,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 235,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ n/a | 1 | $ 275,000 |
The tables below break down 2025 mortgage applications in McKenzie 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 McKenzie 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 | 241 | $89,165,000 | $369,000 | $2,855,000 | $145,000 | $1,239,000 |
| Cash-out Refinancing | 78 | $19,910,000 | $255,000 | $565,000 | $138,000 | $810,000 |
| Refinancing | 78 | $37,460,000 | $480,000 | $8,535,000 | $157,000 | $576,000 |
| Other Purpose | 33 | $4,175,000 | $126,000 | $995,000 | $204,000 | $560,000 |
| Home Improvement | 23 | $1,945,000 | $84,000 | $225,000 | $123,000 | $276,000 |
| 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 | 319 | $94,325,000 | $295,000 | $1,305,000 | $146,000 | $1,239,000 |
| Not applicable | 46 | $30,700,000 | $667,000 | $8,535,000 | $143,000 | $212,000 |
| Hispanic | 42 | $14,110,000 | $335,000 | $605,000 | $133,000 | $294,000 |
| Not Provided | 29 | $8,955,000 | $308,000 | $995,000 | $199,000 | $810,000 |
| American Indian or Alaskan Native | 7 | $1,885,000 | $269,000 | $405,000 | $108,000 | $160,000 |
| Asian | 7 | $1,975,000 | $282,000 | $845,000 | $204,000 | $441,000 |
| Black or African American | 2 | $410,000 | $205,000 | $395,000 | $107,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $295,000 | $295,000 | $295,000 | $105,000 | $105,000 |
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) | 283 | $91,015,000 | $321,000 | $8,535,000 | $162,000 | $1,239,000 |
| FHA-insured (Federal Housing Administration) | 134 | $46,610,000 | $347,000 | $515,000 | $123,000 | $241,000 |
| VA-guaranteed (Veterans Administration) | 36 | $15,030,000 | $417,000 | $645,000 | $120,000 | $226,000 |
| 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 | 226 | $84,050,000 | $371,000 | $8,535,000 | $150,000 | $1,239,000 |
| Application Withdrawn By Applicant | 80 | $28,060,000 | $350,000 | $1,925,000 | $160,000 | $576,000 |
| Application Denied By Financial Institution | 76 | $19,880,000 | $261,000 | $995,000 | $122,000 | $560,000 |
| Loan Purchased By The Institution | 41 | $13,855,000 | $337,000 | $565,000 | $143,000 | $212,000 |
| File Closed For Incompleteness | 22 | $5,430,000 | $246,000 | $565,000 | $173,000 | $375,000 |
| Application Approved But Not Accepted | 8 | $1,380,000 | $172,000 | $345,000 | $167,000 | $271,000 |
| 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 | 374 | $128,990,000 | $344,000 | $8,535,000 | $154,000 | $1,239,000 |
| Debt-To-Income Ratio | 28 | $9,830,000 | $351,000 | $2,855,000 | $71,000 | $182,000 |
| Collateral | 16 | $3,250,000 | $203,000 | $505,000 | $125,000 | $207,000 |
| Credit History | 16 | $4,830,000 | $301,000 | $995,000 | $186,000 | $560,000 |
| Credit Application Incomplete | 8 | $2,230,000 | $278,000 | $535,000 | $124,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $890,000 | $222,000 | $255,000 | $133,000 | $181,000 |
| Other | 3 | $1,355,000 | $451,000 | $845,000 | $191,000 | $194,000 |
| Unverifiable Information | 3 | $1,085,000 | $361,000 | $485,000 | $185,000 | $241,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $85,000 | $85,000 |
| 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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