McLean County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 219 mortgage applications in McLean County, ND totaling $36.6 million, down 29% from 2022. The average application was for $167,000, and applicants reported an average income of $118,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Gate City Bank, with 22 applications, followed by Capital Credit Union and BNC National 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 | 219 |
| Total Mortgage Loan Application Amount | $36,575,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $921,000 |
* 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 |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 22 | $ 4,540,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 724,151,000 | 20 | $ 3,430,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 14 | $ 820,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 9 | $ 1,655,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 8 | $ 1,330,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 8 | $ 1,590,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 2,022,880,000 | 7 | $ 1,045,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 319,073,000 | 6 | $ 880,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 6 | $ 470,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ -1,000 | 6 | $ 1,550,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,398,640,000 | 6 | $ 1,550,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,801,604,000 | 6 | $ 1,530,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 635,992,000 | 5 | $ 1,025,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 1,065,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 4 | $ 570,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ 325,749,000 | 4 | $ 650,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 260,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 1,304,394,000 | 4 | $ 310,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,240,396,000 | 4 | $ 510,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 1,170,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,589,007,000 | 3 | $ 695,000 |
| The Union Bank 1700 HWY 49 NORTH BEULAH, ND 58523 |
* | $ 259,560,000 | 3 | $ 305,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 525,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 885,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 350,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,576,574,000 | 2 | $ 200,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 15,939,263,000 | 2 | $ 320,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 162,148,000 | 2 | $ 390,000 |
| Vue Community Credit Union 818 E MAIN AVE BISMARCK, ND 58501 |
* | $ 89,099,000 | 2 | $ 310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 90,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ -1,000 | 2 | $ 490,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 240,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,195,944,000 | 2 | $ 340,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 230,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 400,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 340,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 285,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 165,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 145,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 235,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 305,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 205,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 275,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 85,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 1 | $ 75,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 345,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 235,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 239,388,000 | 1 | $ 195,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 235,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 375,000 |
| Hometown Credit Union 18 MAIN AVENUE SOUTH KULM, ND 58456 |
* | $ 178,036,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 65,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 155,000 |
The tables below break down 2023 mortgage applications in McLean 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 McLean County, ND in 2023
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 | 118 | $22,690,000 | $192,000 | $885,000 | $131,000 | $921,000 |
| Cash-out Refinancing | 34 | $6,020,000 | $177,000 | $365,000 | $83,000 | $202,000 |
| Refinancing | 25 | $4,715,000 | $188,000 | $455,000 | $117,000 | $508,000 |
| Other Purpose | 21 | $1,875,000 | $89,000 | $235,000 | $105,000 | $185,000 |
| Home Improvement | 20 | $1,240,000 | $62,000 | $205,000 | $123,000 | $250,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 176 | $29,290,000 | $166,000 | $885,000 | $118,000 | $737,000 |
| Not Provided | 19 | $3,515,000 | $185,000 | $465,000 | $145,000 | $921,000 |
| Not applicable | 15 | $2,585,000 | $172,000 | $805,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $805,000 | $161,000 | $275,000 | $74,000 | $154,000 |
| Hispanic | 2 | $280,000 | $140,000 | $145,000 | $42,000 | $42,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $61,000 | $61,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $96,000 | $96,000 |
| 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) | 173 | $27,945,000 | $161,000 | $885,000 | $127,000 | $921,000 |
| FHA-insured (Federal Housing Administration) | 34 | $5,950,000 | $175,000 | $405,000 | $89,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,910,000 | $238,000 | $345,000 | $80,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $770,000 | $192,000 | $265,000 | $79,000 | $97,000 |
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 | 138 | $24,370,000 | $176,000 | $885,000 | $124,000 | $737,000 |
| Application Withdrawn By Applicant | 31 | $4,795,000 | $154,000 | $455,000 | $90,000 | $240,000 |
| Application Denied By Financial Institution | 23 | $2,765,000 | $120,000 | $375,000 | $76,000 | $154,000 |
| File Closed For Incompleteness | 15 | $2,995,000 | $199,000 | $575,000 | $178,000 | $921,000 |
| Loan Purchased By The Institution | 8 | $1,100,000 | $137,000 | $305,000 | $245,000 | $245,000 |
| Application Approved But Not Accepted | 3 | $525,000 | $175,000 | $205,000 | $204,000 | $261,000 |
| Preapproval Approved but not Accepted | 1 | $25,000 | $25,000 | $25,000 | $36,000 | $36,000 |
| 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 | 182 | $31,730,000 | $174,000 | $885,000 | $122,000 | $921,000 |
| Debt-To-Income Ratio | 21 | $3,235,000 | $154,000 | $375,000 | $123,000 | $508,000 |
| Credit History | 7 | $495,000 | $70,000 | $235,000 | $84,000 | $120,000 |
| Collateral | 3 | $235,000 | $78,000 | $125,000 | $29,000 | $42,000 |
| Other | 3 | $535,000 | $178,000 | $285,000 | $106,000 | $110,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $109,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $48,000 | $48,000 |
| 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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