McKenzie County, ND Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 739 mortgage applications in McKenzie County, ND totaling $197.2 million, up 24% from 2019. The average application was for $266,000, and applicants reported an average income of $119,000. 57% of applications resulted in an originated loan and 10% were denied. The most active lender was First International Bank & Trust, with 76 applications, followed by Unify Home Lending Inc. and Cornerstone 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 | 739 |
| Total Mortgage Loan Application Amount | $197,195,000 |
| Average Mortgage Loan Application Amount | $266,000 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $1,788,000 |
* 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 |
|---|---|---|---|---|
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 76 | $ 21,340,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 56 | $ 15,590,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 983,657,000 | 28 | $ 4,160,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 27 | $ 6,925,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 26 | $ 5,090,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 21 | $ 6,865,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 21 | $ 5,815,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 21 | $ 6,155,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 20 | $ 3,630,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 20 | $ 4,780,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 19 | $ 5,195,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 17 | $ 5,275,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 16 | $ 4,260,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 15 | $ 3,825,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 15 | $ 4,175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 13 | $ 3,495,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 12 | $ 3,200,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 3,875,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 3,085,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 10 | $ 3,250,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 9 | $ 2,455,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 9 | $ 2,615,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,986,026,000 | 9 | $ 2,935,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 8 | $ 2,540,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 8 | $ 2,220,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 8 | $ 1,610,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 7 | $ 2,135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,955,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 358,802,000 | 7 | $ 2,475,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 7 | $ 1,945,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,720,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,490,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 5 | $ 1,315,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 5 | $ 1,585,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 5 | $ 1,425,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 1,475,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 1,225,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 4 | $ 1,910,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 4 | $ 1,270,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 1,010,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 1,150,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 1,140,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 4 | $ 1,350,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 1,350,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 4 | $ 1,070,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 475,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 1,065,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 835,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 629,553,000 | 3 | $ 575,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 862,614,000 | 3 | $ 1,045,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,376,396,000 | 3 | $ 745,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 3 | $ 705,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 465,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 3 | $ 555,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,893,793,000 | 3 | $ 1,065,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 855,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 430,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 2 | $ 350,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 650,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 370,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 2 | $ 510,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 300,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 853,065,000 | 2 | $ 480,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 2 | $ 320,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 470,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 620,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 570,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 2 | $ 780,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 120,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 225,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 135,000 |
| Border Bank 133 MAIN STREET N GREENBUSH, MN 56726 |
* | $ 632,848,000 | 1 | $ 125,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 325,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 435,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,379,086,000 | 1 | $ 305,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 225,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 395,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 540,918,000 | 1 | $ 335,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 255,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 305,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 1 | $ 185,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,399,512,000 | 1 | $ 35,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 694,717,000 | 1 | $ 195,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 305,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 405,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 1 | $ 325,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 145,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 6,492,180,000 | 1 | $ 85,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 2,173,636,000 | 1 | $ 35,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 285,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 285,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 1 | $ 435,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 115,000 |
The tables below break down 2020 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 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 | 344 | $91,300,000 | $265,000 | $795,000 | $133,000 | $1,788,000 |
| Home Purchase | 306 | $82,630,000 | $270,000 | $1,005,000 | $101,000 | $348,000 |
| Cash-out Refinancing | 74 | $20,260,000 | $273,000 | $825,000 | $140,000 | $688,000 |
| Home Improvement | 6 | $340,000 | $56,000 | $95,000 | $156,000 | $211,000 |
| Not Applicable | 5 | $1,235,000 | $247,000 | $285,000 | $0 | $0 |
| Other Purpose | 4 | $1,430,000 | $357,000 | $1,305,000 | $102,000 | $150,000 |
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 | 546 | $145,630,000 | $266,000 | $1,305,000 | $123,000 | $1,788,000 |
| Not applicable | 91 | $25,625,000 | $281,000 | $1,005,000 | $102,000 | $189,000 |
| Not Provided | 58 | $15,130,000 | $260,000 | $425,000 | $88,000 | $195,000 |
| Hispanic | 20 | $4,820,000 | $241,000 | $415,000 | $106,000 | $312,000 |
| Asian | 10 | $2,600,000 | $260,000 | $395,000 | $120,000 | $189,000 |
| American Indian or Alaskan Native | 9 | $2,215,000 | $246,000 | $425,000 | $77,000 | $156,000 |
| Black or African American | 2 | $370,000 | $185,000 | $195,000 | $102,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $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) | 436 | $114,140,000 | $261,000 | $1,305,000 | $135,000 | $1,788,000 |
| FHA-insured (Federal Housing Administration) | 193 | $50,665,000 | $262,000 | $335,000 | $83,000 | $249,000 |
| VA-guaranteed (Veterans Administration) | 95 | $29,145,000 | $306,000 | $475,000 | $87,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $3,245,000 | $216,000 | $375,000 | $63,000 | $91,000 |
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 | 420 | $111,040,000 | $264,000 | $1,305,000 | $119,000 | $1,627,000 |
| Application Withdrawn By Applicant | 106 | $28,280,000 | $266,000 | $495,000 | $98,000 | $310,000 |
| Loan Purchased By The Institution | 91 | $25,405,000 | $279,000 | $505,000 | $182,000 | $688,000 |
| Application Denied By Financial Institution | 76 | $20,740,000 | $272,000 | $825,000 | $137,000 | $1,788,000 |
| File Closed For Incompleteness | 29 | $7,275,000 | $250,000 | $405,000 | $130,000 | $312,000 |
| Application Approved But Not Accepted | 17 | $4,455,000 | $262,000 | $435,000 | $96,000 | $322,000 |
| 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 | 659 | $175,485,000 | $266,000 | $1,305,000 | $117,000 | $1,627,000 |
| Debt-To-Income Ratio | 24 | $7,170,000 | $298,000 | $825,000 | $181,000 | $1,788,000 |
| Credit Application Incomplete | 18 | $5,350,000 | $297,000 | $545,000 | $131,000 | $279,000 |
| Credit History | 13 | $2,785,000 | $214,000 | $345,000 | $121,000 | $174,000 |
| Collateral | 9 | $2,175,000 | $241,000 | $495,000 | $106,000 | $169,000 |
| Employment History | 6 | $1,410,000 | $235,000 | $475,000 | $92,000 | $236,000 |
| Other | 4 | $1,190,000 | $297,000 | $435,000 | $85,000 | $88,000 |
| Unverifiable Information | 3 | $1,025,000 | $341,000 | $425,000 | $78,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $605,000 | $201,000 | $225,000 | $122,000 | $157,000 |
| 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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