McKenzie County, ND Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 307 mortgage applications in McKenzie County, ND totaling $114.4 million, down 10% from 2023. The average application was for $372,000, and applicants reported an average income of $133,000. 60% of applications resulted in an originated loan and 10% were denied. The most active lender was Fairway Independent Mort Corp, with 58 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 | 307 |
| Total Mortgage Loan Application Amount | $114,445,000 |
| Average Mortgage Loan Application Amount | $372,000 |
| Highest Mortgage Loan Application Amount | $13,255,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $621,000 |
* 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 | 58 | $ 19,740,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 40 | $ 8,880,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 15 | $ 15,675,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ n/a | 11 | $ 3,255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 10 | $ 3,500,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 10 | $ 3,490,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 9 | $ 1,305,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 3,040,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 2,630,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 3,020,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 7 | $ 3,995,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 6 | $ 1,210,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,745,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 5 | $ 1,475,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 1,230,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 3,750,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,440,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 4 | $ 1,590,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 3 | $ 125,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 675,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 3 | $ 1,345,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 1,125,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 925,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 1,045,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 1,165,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 320,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 140,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 510,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 2 | $ 410,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 760,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 860,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 430,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 2 | $ 460,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 2 | $ 640,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ n/a | 2 | $ 540,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 2 | $ 520,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 170,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 280,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 2 | $ 690,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 2,615,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 205,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 225,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 305,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ n/a | 1 | $ 125,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 445,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 195,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 275,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 485,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 65,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 415,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 1 | $ 435,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ n/a | 1 | $ 605,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 105,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 1,805,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 1 | $ 2,615,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 1,585,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 405,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 435,000 |
| Stancorp Mortgage Investors 10265 NE TANASBOURNE DR HILLSBORO, OR 97124 |
* | $ n/a | 1 | $ 3,305,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 125,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 245,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 515,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 215,000 |
The tables below break down 2024 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 2024
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 | 208 | $70,480,000 | $338,000 | $1,825,000 | $128,000 | $502,000 |
| Refinancing | 38 | $33,880,000 | $891,000 | $13,255,000 | $149,000 | $420,000 |
| Other Purpose | 23 | $1,885,000 | $81,000 | $255,000 | $125,000 | $300,000 |
| Cash-out Refinancing | 23 | $5,985,000 | $260,000 | $805,000 | $142,000 | $309,000 |
| Home Improvement | 14 | $2,000,000 | $142,000 | $765,000 | $167,000 | $621,000 |
| Not Applicable | 1 | $215,000 | $215,000 | $215,000 | $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 | 193 | $55,685,000 | $288,000 | $1,825,000 | $133,000 | $621,000 |
| Not applicable | 50 | $38,650,000 | $773,000 | $13,255,000 | $236,000 | $236,000 |
| Hispanic | 29 | $8,705,000 | $300,000 | $475,000 | $106,000 | $190,000 |
| Not Provided | 24 | $8,380,000 | $349,000 | $1,585,000 | $150,000 | $502,000 |
| American Indian or Alaskan Native | 5 | $1,855,000 | $371,000 | $535,000 | $221,000 | $320,000 |
| Asian | 4 | $940,000 | $235,000 | $255,000 | $72,000 | $84,000 |
| Black or African American | 2 | $230,000 | $115,000 | $185,000 | $84,000 | $109,000 |
| 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) | 200 | $77,880,000 | $389,000 | $13,255,000 | $141,000 | $621,000 |
| FHA-insured (Federal Housing Administration) | 80 | $26,290,000 | $328,000 | $495,000 | $112,000 | $233,000 |
| VA-guaranteed (Veterans Administration) | 25 | $9,705,000 | $388,000 | $635,000 | $123,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $570,000 | $285,000 | $315,000 | $79,000 | $79,000 |
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 | 185 | $74,575,000 | $403,000 | $13,255,000 | $133,000 | $621,000 |
| Loan Purchased By The Institution | 37 | $11,755,000 | $317,000 | $655,000 | $158,000 | $236,000 |
| Application Withdrawn By Applicant | 36 | $15,820,000 | $439,000 | $1,805,000 | $128,000 | $210,000 |
| Application Denied By Financial Institution | 32 | $7,460,000 | $233,000 | $1,825,000 | $112,000 | $320,000 |
| Application Approved But Not Accepted | 8 | $1,910,000 | $238,000 | $465,000 | $195,000 | $300,000 |
| File Closed For Incompleteness | 7 | $2,265,000 | $323,000 | $805,000 | $203,000 | $502,000 |
| Preapproval Approved but not Accepted | 2 | $660,000 | $330,000 | $595,000 | $103,000 | $148,000 |
| 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 | 274 | $104,370,000 | $380,000 | $13,255,000 | $135,000 | $621,000 |
| Credit History | 12 | $2,030,000 | $169,000 | $535,000 | $138,000 | $320,000 |
| Debt-To-Income Ratio | 11 | $4,615,000 | $419,000 | $2,615,000 | $73,000 | $129,000 |
| Collateral | 6 | $1,060,000 | $176,000 | $305,000 | $136,000 | $301,000 |
| Unverifiable Information | 2 | $2,060,000 | $1,030,000 | $1,825,000 | $94,000 | $94,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $106,000 | $106,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $94,000 | $94,000 |
| 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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