Mountrail County, ND Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 180 mortgage applications in Mountrail County, ND totaling $21.8 million, up 42% from 2010. The average application was for $121,000, and applicants reported an average income of $74,000. 47% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 40 applications, followed by Bank of North Dakota and Gate City 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 | 180 |
| Total Mortgage Loan Application Amount | $21,793,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $274,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $358,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 40 | $ 5,457,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 12 | $ 1,968,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 10 | $ 1,042,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 572,647,000 | 10 | $ 1,964,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 9 | $ 1,350,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 920,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 397,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 7 | $ 483,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,556,748,000 | 6 | $ 688,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 999,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 247,890,000 | 5 | $ 323,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 743,483,000 | 5 | $ 298,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 978,893,000 | 4 | $ 606,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 4 | $ 292,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 287,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 202,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 405,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 3 | $ 266,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,801,691,000 | 2 | $ 92,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 227,667,000 | 2 | $ 162,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 253,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 117,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 285,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 467,142,000 | 2 | $ 259,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 155,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 151,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 158,509,000 | 1 | $ 167,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 485,068,000 | 1 | $ 87,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 92,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 36,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 71,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 90,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 86,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 170,000 |
| The First National Bank of Bagley PO BOX N, 31 CENTRAL STREET E BAGLEY, MN 56621 |
* | $ 74,641,000 | 1 | $ 25,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 220,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 127,000 |
| E*Trade Bank 671 NORTH GLEBE ROAD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,883,561,000 | 1 | $ 98,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 189,478,000 | 1 | $ 34,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 775,230,000 | 1 | $ 76,000 |
The tables below break down 2011 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 2011
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 | $13,858,000 | $123,000 | $263,000 | $71,000 | $358,000 |
| Refinancing | 51 | $6,634,000 | $130,000 | $274,000 | $79,000 | $311,000 |
| Home Improvement | 17 | $1,301,000 | $76,000 | $220,000 | $80,000 | $176,000 |
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 | 146 | $17,361,000 | $118,000 | $274,000 | $83,000 | $358,000 |
| Not applicable | 15 | $2,290,000 | $152,000 | $224,000 | $0 | $0 |
| Not Provided | 12 | $1,199,000 | $99,000 | $220,000 | $69,000 | $212,000 |
| American Indian or Alaskan Native | 5 | $715,000 | $143,000 | $245,000 | $51,000 | $68,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $31,000 | $31,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $173,000 | $173,000 | $173,000 | $98,000 | $98,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 110 | $11,560,000 | $105,000 | $236,000 | $87,000 | $358,000 |
| FHA-insured (Federal Housing Administration) | 56 | $8,354,000 | $149,000 | $274,000 | $55,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $975,000 | $121,000 | $194,000 | $52,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 6 | $904,000 | $150,000 | $253,000 | $49,000 | $103,000 |
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 | 84 | $9,362,000 | $111,000 | $253,000 | $88,000 | $358,000 |
| Application Denied By Financial Institution | 31 | $3,424,000 | $110,000 | $238,000 | $73,000 | $239,000 |
| Loan Purchased By The Institution | 24 | $3,620,000 | $150,000 | $232,000 | $23,000 | $120,000 |
| Application Withdrawn By Applicant | 20 | $2,795,000 | $139,000 | $274,000 | $87,000 | $281,000 |
| Application Approved But Not Accepted | 19 | $2,403,000 | $126,000 | $247,000 | $66,000 | $117,000 |
| File Closed For Incompleteness | 2 | $189,000 | $94,000 | $99,000 | $104,000 | $145,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $904,000 | $129,000 | $238,000 | $72,000 | $171,000 |
| Debt-To-Income Ratio | 4 | $604,000 | $151,000 | $224,000 | $56,000 | $78,000 |
| Collateral | 4 | $326,000 | $81,000 | $127,000 | $83,000 | $120,000 |
| Other | 4 | $566,000 | $141,000 | $227,000 | $118,000 | $239,000 |
| Credit Application Incomplete | 3 | $336,000 | $112,000 | $122,000 | $90,000 | $96,000 |
| Employment History | 1 | $52,000 | $52,000 | $52,000 | $70,000 | $70,000 |
| 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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