Mountrail County, ND Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 165 mortgage applications in Mountrail County, ND totaling $33.6 million, down 44% from 2021. The average application was for $203,000, and applicants reported an average income of $111,000. 59% of applications resulted in an originated loan and 13% were denied. The most active lender was Cornerstone Bank, with 18 applications, followed by BNC National Bank and First International 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 | 165 |
| Total Mortgage Loan Application Amount | $33,645,000 |
| Average Mortgage Loan Application Amount | $203,000 |
| Highest Mortgage Loan Application Amount | $1,525,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $491,000 |
* 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 |
|---|---|---|---|---|
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 1,310,231,000 | 18 | $ 2,740,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 15 | $ 1,915,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 12 | $ 2,460,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 637,988,000 | 9 | $ 1,395,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,168,170,000 | 9 | $ 2,145,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 9 | $ 1,505,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 8 | $ 1,260,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 6 | $ 1,240,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,965,063,000 | 5 | $ 1,485,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,253,278,000 | 5 | $ 1,405,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 805,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 765,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,383,892,000 | 3 | $ 1,965,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 925,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 420,332,000 | 2 | $ 450,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 2 | $ 320,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 370,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 470,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 510,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 370,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 150,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,502,665,000 | 2 | $ 290,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 5,816,358,000 | 2 | $ 280,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 500,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 590,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 330,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 349,214,000 | 1 | $ 185,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 225,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 245,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 345,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 165,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 515,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 1 | $ 105,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 50,093,398,000 | 1 | $ 335,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 185,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,141,484,000 | 1 | $ 705,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 445,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 295,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 205,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 45,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 355,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 255,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 55,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 125,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 255,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 205,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,060,912,000 | 1 | $ 125,000 |
The tables below break down 2022 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 2022
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 | 97 | $20,395,000 | $210,000 | $705,000 | $111,000 | $491,000 |
| Refinancing | 28 | $6,220,000 | $222,000 | $1,525,000 | $127,000 | $367,000 |
| Cash-out Refinancing | 25 | $4,955,000 | $198,000 | $375,000 | $90,000 | $183,000 |
| Home Improvement | 9 | $775,000 | $86,000 | $155,000 | $116,000 | $180,000 |
| Other Purpose | 5 | $1,085,000 | $217,000 | $305,000 | $125,000 | $198,000 |
| 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 | 112 | $23,080,000 | $206,000 | $705,000 | $121,000 | $491,000 |
| Not Provided | 21 | $3,985,000 | $189,000 | $355,000 | $95,000 | $250,000 |
| Not applicable | 13 | $3,685,000 | $283,000 | $1,525,000 | $31,000 | $31,000 |
| Hispanic | 9 | $1,305,000 | $145,000 | $345,000 | $79,000 | $237,000 |
| American Indian or Alaskan Native | 8 | $1,360,000 | $170,000 | $335,000 | $75,000 | $104,000 |
| Black or African American | 2 | $230,000 | $115,000 | $185,000 | $27,000 | $43,000 |
| Asian | 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) | 119 | $23,805,000 | $200,000 | $1,525,000 | $117,000 | $491,000 |
| FHA-insured (Federal Housing Administration) | 28 | $5,510,000 | $196,000 | $335,000 | $83,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 14 | $3,870,000 | $276,000 | $375,000 | $118,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $460,000 | $115,000 | $165,000 | $48,000 | $56,000 |
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 | 98 | $20,990,000 | $214,000 | $1,525,000 | $114,000 | $491,000 |
| Application Denied By Financial Institution | 22 | $4,400,000 | $200,000 | $375,000 | $99,000 | $198,000 |
| Application Withdrawn By Applicant | 22 | $4,270,000 | $194,000 | $705,000 | $117,000 | $480,000 |
| Loan Purchased By The Institution | 12 | $2,070,000 | $172,000 | $335,000 | $42,000 | $50,000 |
| File Closed For Incompleteness | 7 | $885,000 | $126,000 | $185,000 | $94,000 | $153,000 |
| Application Approved But Not Accepted | 4 | $1,030,000 | $257,000 | $335,000 | $152,000 | $180,000 |
| 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 | $29,245,000 | $204,000 | $1,525,000 | $113,000 | $491,000 |
| Collateral | 5 | $1,105,000 | $221,000 | $305,000 | $129,000 | $198,000 |
| Credit History | 5 | $885,000 | $177,000 | $345,000 | $128,000 | $180,000 |
| Debt-To-Income Ratio | 4 | $800,000 | $200,000 | $325,000 | $82,000 | $120,000 |
| Credit Application Incomplete | 4 | $960,000 | $240,000 | $375,000 | $82,000 | $134,000 |
| Unverifiable Information | 2 | $430,000 | $215,000 | $255,000 | $60,000 | $62,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $41,000 | $41,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $75,000 | $75,000 |
| 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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