McLean County, ND Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 251 mortgage applications in McLean County, ND totaling $46.2 million, up 15% from 2023. The average application was for $183,000, and applicants reported an average income of $122,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was Gate City Bank, with 21 applications, followed by BNC National Bank and First Western Bank & Trust.
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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 | 251 |
| Total Mortgage Loan Application Amount | $46,155,000 |
| Average Mortgage Loan Application Amount | $183,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $835,000 |
* 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 |
* | $ n/a | 21 | $ 3,335,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 17 | $ 2,065,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 17 | $ 3,905,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 15 | $ 2,275,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 11 | $ 1,765,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 10 | $ 1,680,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 7 | $ 1,175,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 7 | $ 1,245,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 7 | $ 1,175,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 395,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 1,560,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 5 | $ 1,195,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 5 | $ 1,065,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 4 | $ 1,040,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 4 | $ 1,110,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 160,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 720,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 4 | $ 890,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 405,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 855,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 975,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 3 | $ 705,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 3 | $ 505,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 655,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ n/a | 3 | $ 335,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 3 | $ 1,165,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 215,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 615,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 330,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 520,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 220,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 660,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 260,000 |
| The Union Bank 1700 HWY 49 NORTH BEULAH, ND 58523 |
* | $ n/a | 2 | $ 130,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 680,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 2 | $ 380,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 490,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 260,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ n/a | 2 | $ 240,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 190,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 480,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 520,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 165,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ n/a | 1 | $ 145,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 95,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 205,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 505,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 45,000 |
| Broadway National Bank 1177 NE LOOP 410 SAN ANTONIO, TX 78209 |
* | $ n/a | 1 | $ 175,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 325,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 345,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 45,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 195,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 335,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 505,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ n/a | 1 | $ 685,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 305,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 155,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 155,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 85,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 175,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 215,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 1 | $ 345,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ n/a | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 355,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 185,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 125,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 155,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 435,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 395,000 |
The tables below break down 2024 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 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 | 130 | $27,640,000 | $212,000 | $505,000 | $128,000 | $835,000 |
| Other Purpose | 37 | $3,635,000 | $98,000 | $505,000 | $116,000 | $297,000 |
| Cash-out Refinancing | 33 | $7,405,000 | $224,000 | $685,000 | $120,000 | $335,000 |
| Refinancing | 30 | $6,060,000 | $202,000 | $525,000 | $118,000 | $334,000 |
| Home Improvement | 21 | $1,415,000 | $67,000 | $205,000 | $107,000 | $334,000 |
| 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 | 185 | $32,285,000 | $174,000 | $685,000 | $126,000 | $835,000 |
| Not Provided | 36 | $7,410,000 | $205,000 | $505,000 | $106,000 | $346,000 |
| Not applicable | 23 | $5,355,000 | $232,000 | $525,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $195,000 | $57,000 | $69,000 |
| Asian | 2 | $480,000 | $240,000 | $405,000 | $204,000 | $357,000 |
| Hispanic | 2 | $330,000 | $165,000 | $165,000 | $69,000 | $77,000 |
| 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) | 194 | $34,150,000 | $176,000 | $685,000 | $133,000 | $835,000 |
| FHA-insured (Federal Housing Administration) | 32 | $6,680,000 | $208,000 | $465,000 | $84,000 | $335,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,855,000 | $231,000 | $395,000 | $86,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $470,000 | $117,000 | $195,000 | $65,000 | $82,000 |
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 | 150 | $27,930,000 | $186,000 | $685,000 | $120,000 | $835,000 |
| Application Withdrawn By Applicant | 33 | $6,875,000 | $208,000 | $505,000 | $148,000 | $475,000 |
| Application Denied By Financial Institution | 32 | $3,900,000 | $121,000 | $455,000 | $101,000 | $247,000 |
| Loan Purchased By The Institution | 22 | $5,440,000 | $247,000 | $525,000 | $162,000 | $243,000 |
| File Closed For Incompleteness | 10 | $1,500,000 | $150,000 | $355,000 | $95,000 | $270,000 |
| Application Approved But Not Accepted | 4 | $510,000 | $127,000 | $175,000 | $172,000 | $404,000 |
| 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 | 205 | $40,375,000 | $196,000 | $685,000 | $127,000 | $835,000 |
| Debt-To-Income Ratio | 21 | $2,605,000 | $124,000 | $285,000 | $89,000 | $236,000 |
| Credit History | 9 | $1,065,000 | $118,000 | $335,000 | $96,000 | $136,000 |
| Collateral | 8 | $870,000 | $108,000 | $355,000 | $120,000 | $208,000 |
| Credit Application Incomplete | 4 | $610,000 | $152,000 | $305,000 | $102,000 | $120,000 |
| Other | 3 | $575,000 | $191,000 | $455,000 | $139,000 | $246,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $247,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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