Nelson County, ND Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 79 mortgage applications in Nelson County, ND totaling $4.5 million, up 22% from 2004. The average application was for $57,000, and applicants reported an average income of $46,000. 33% of applications resulted in an originated loan and 25% were denied. The most active lender was Citicorp Trust Bank, FSB, with 11 applications, followed by Ameriquest Mortgage Company and Gmac Mortgage 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 | 79 |
| Total Mortgage Loan Application Amount | $4,530,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $172,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $176,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 11 | $ 724,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 9 | $ 717,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 195,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,201,351,000 | 5 | $ 212,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 4 | $ 181,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 4 | $ 301,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 637,365,000 | 3 | $ 137,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 3 | $ 85,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 68,103,000 | 3 | $ 259,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 246,631,000 | 2 | $ 102,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 2 | $ 91,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 2 | $ 59,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 2 | $ 141,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 101,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 262,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 2 | $ 171,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 59,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 631,033,000 | 1 | $ 18,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 1 | $ 46,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 60,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 23,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 1 | $ 71,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 23,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 1 | $ 98,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 767,323,000 | 1 | $ 49,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 146,327,000 | 1 | $ 27,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 108,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 61,000 |
The tables below break down 2005 mortgage applications in Nelson 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 Nelson County, ND in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 41 | $2,805,000 | $68,000 | $172,000 | $44,000 | $165,000 |
| Home Purchase | 28 | $1,402,000 | $50,000 | $108,000 | $43,000 | $134,000 |
| Home Improvement | 10 | $323,000 | $32,000 | $78,000 | $59,000 | $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 | 61 | $3,653,000 | $59,000 | $172,000 | $51,000 | $176,000 |
| Not Provided | 10 | $552,000 | $55,000 | $91,000 | $36,000 | $165,000 |
| Not applicable | 4 | $175,000 | $43,000 | $61,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $52,000 | $26,000 | $27,000 | $40,000 | $44,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $77,000 | $77,000 |
| American Indian or Alaskan Native | 1 | $43,000 | $43,000 | $43,000 | $81,000 | $81,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 72 | $4,284,000 | $59,000 | $172,000 | $47,000 | $176,000 |
| FHA-insured (Federal Housing Administration) | 5 | $185,000 | $37,000 | $66,000 | $21,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $23,000 | $23,000 | $23,000 | $36,000 | $36,000 |
| VA-guaranteed (Veterans Administration) | 1 | $38,000 | $38,000 | $38,000 | $59,000 | $59,000 |
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 | 26 | $1,362,000 | $52,000 | $146,000 | $57,000 | $134,000 |
| Application Denied By Financial Institution | 20 | $1,198,000 | $59,000 | $172,000 | $44,000 | $176,000 |
| Application Withdrawn By Applicant | 13 | $804,000 | $61,000 | $131,000 | $33,000 | $87,000 |
| File Closed For Incompleteness | 10 | $652,000 | $65,000 | $110,000 | $62,000 | $165,000 |
| Loan Purchased By The Institution | 7 | $387,000 | $55,000 | $106,000 | $18,000 | $104,000 |
| Application Approved But Not Accepted | 3 | $127,000 | $42,000 | $60,000 | $47,000 | $88,000 |
| 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 | 6 | $220,000 | $36,000 | $91,000 | $73,000 | $176,000 |
| Other | 6 | $477,000 | $79,000 | $172,000 | $34,000 | $55,000 |
| Collateral | 3 | $111,000 | $37,000 | $52,000 | $25,000 | $38,000 |
| Debt-To-Income Ratio | 2 | $138,000 | $69,000 | $71,000 | $42,000 | $51,000 |
| 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 |
| Credit Application Incomplete | 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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