Mountrail County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 173 mortgage applications in Mountrail County, ND totaling $36.7 million, up 57% from 2024. The average application was for $212,000, and applicants reported an average income of $119,000. 55% of applications resulted in an originated loan and 10% were denied. The most active lender was First International Bank & Trust, with 22 applications, followed by Town and Country Credit Union and Newrez 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 | 173 |
| Total Mortgage Loan Application Amount | $36,695,000 |
| Average Mortgage Loan Application Amount | $212,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $712,000 |
| 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 |
* | $ n/a | 22 | $ 5,140,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 18 | $ 3,680,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 10 | $ 2,420,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 10 | $ 2,220,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 9 | $ 1,795,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 9 | $ 1,635,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 9 | $ 1,795,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 8 | $ 1,550,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 7 | $ 405,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 7 | $ 1,715,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 6 | $ 1,460,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 5 | $ 1,805,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 620,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 4 | $ 1,200,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 445,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 455,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 3 | $ 575,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 705,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 375,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 645,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 2 | $ 430,000 |
| Dakota West Credit Union 340 MAIN ST N #209 WATFORD CITY, ND 58854 |
* | $ n/a | 2 | $ 580,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 560,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 2 | $ 580,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 370,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 355,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 265,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 205,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 465,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 235,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 1 | $ 175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 255,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 55,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 1 | $ 105,000 |
| Hapo Communtiy Credit Union 4 N UNION ST RICHLAND, WA 99354 |
* | $ n/a | 1 | $ 355,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 265,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 45,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 195,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 125,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 105,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 1 | $ 235,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Mountrail 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 Mountrail 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 | 112 | $28,020,000 | $250,000 | $585,000 | $116,000 | $396,000 |
| Cash-out Refinancing | 26 | $4,340,000 | $166,000 | $565,000 | $99,000 | $309,000 |
| Other Purpose | 13 | $1,895,000 | $145,000 | $425,000 | $125,000 | $418,000 |
| Home Improvement | 12 | $1,380,000 | $115,000 | $305,000 | $161,000 | $712,000 |
| Refinancing | 9 | $985,000 | $109,000 | $205,000 | $156,000 | $384,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 | 108 | $23,720,000 | $219,000 | $585,000 | $126,000 | $712,000 |
| Not applicable | 26 | $5,710,000 | $219,000 | $425,000 | $0 | $0 |
| Not Provided | 18 | $2,970,000 | $165,000 | $435,000 | $90,000 | $194,000 |
| Hispanic | 13 | $3,335,000 | $256,000 | $445,000 | $98,000 | $176,000 |
| American Indian or Alaskan Native | 8 | $960,000 | $120,000 | $185,000 | $129,000 | $261,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 102 | $19,930,000 | $195,000 | $585,000 | $126,000 | $712,000 |
| FHA-insured (Federal Housing Administration) | 47 | $10,025,000 | $213,000 | $425,000 | $92,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 18 | $5,470,000 | $303,000 | $515,000 | $153,000 | $396,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,270,000 | $211,000 | $305,000 | $89,000 | $112,000 |
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 | 95 | $19,905,000 | $209,000 | $585,000 | $116,000 | $418,000 |
| Application Withdrawn By Applicant | 28 | $6,120,000 | $218,000 | $515,000 | $112,000 | $396,000 |
| Loan Purchased By The Institution | 23 | $5,555,000 | $241,000 | $425,000 | $123,000 | $165,000 |
| Application Denied By Financial Institution | 17 | $3,105,000 | $182,000 | $565,000 | $117,000 | $321,000 |
| File Closed For Incompleteness | 8 | $1,540,000 | $192,000 | $325,000 | $195,000 | $712,000 |
| Application Approved But Not Accepted | 2 | $470,000 | $235,000 | $265,000 | $74,000 | $74,000 |
| 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 | 143 | $30,875,000 | $215,000 | $585,000 | $117,000 | $712,000 |
| Debt-To-Income Ratio | 22 | $4,450,000 | $202,000 | $565,000 | $132,000 | $384,000 |
| Credit History | 3 | $465,000 | $155,000 | $175,000 | $71,000 | $94,000 |
| Other | 2 | $750,000 | $375,000 | $565,000 | $112,000 | $162,000 |
| Collateral | 2 | $70,000 | $35,000 | $45,000 | $191,000 | $194,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $110,000 | $110,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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