Nelson County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 53 mortgage applications in Nelson County, ND totaling $4.3 million, down 7% from 2012. The average application was for $81,000, and applicants reported an average income of $73,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 8 applications, followed by Gate City Bank and Bank of North Dakota.
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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 | 53 |
| Total Mortgage Loan Application Amount | $4,298,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $287,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $317,000 |
| 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 |
* | $ 1,266,125,000,000 | 8 | $ 608,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 7 | $ 259,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 503,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 4 | $ 482,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 4 | $ 396,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 84,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,685,770,000 | 2 | $ 203,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 576,362,000 | 2 | $ 109,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 651,968,000 | 2 | $ 153,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 990,471,000 | 2 | $ 134,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 1 | $ 123,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 84,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 84,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 1 | $ 11,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,460,729,000 | 1 | $ 92,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 981,868,000 | 1 | $ 166,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 92,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 55,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 74,000 |
The tables below break down 2013 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 2013
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 | 27 | $2,856,000 | $105,000 | $287,000 | $80,000 | $317,000 |
| Home Purchase | 18 | $1,300,000 | $72,000 | $166,000 | $55,000 | $139,000 |
| Home Improvement | 8 | $142,000 | $17,000 | $75,000 | $89,000 | $114,000 |
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 | 39 | $2,952,000 | $75,000 | $170,000 | $74,000 | $175,000 |
| Not applicable | 7 | $620,000 | $88,000 | $166,000 | $15,000 | $110,000 |
| Not Provided | 4 | $518,000 | $129,000 | $287,000 | $182,000 | $317,000 |
| Asian | 2 | $140,000 | $70,000 | $70,000 | $45,000 | $48,000 |
| American Indian or Alaskan Native | 1 | $68,000 | $68,000 | $68,000 | $56,000 | $56,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 33 | $2,873,000 | $87,000 | $287,000 | $92,000 | $317,000 |
| VA-guaranteed (Veterans Administration) | 11 | $941,000 | $85,000 | $128,000 | $39,000 | $122,000 |
| FHA-insured (Federal Housing Administration) | 5 | $195,000 | $39,000 | $54,000 | $42,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $289,000 | $72,000 | $92,000 | $48,000 | $52,000 |
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 | 28 | $2,324,000 | $83,000 | $287,000 | $83,000 | $317,000 |
| Application Denied By Financial Institution | 9 | $585,000 | $65,000 | $100,000 | $77,000 | $140,000 |
| Loan Purchased By The Institution | 8 | $712,000 | $89,000 | $166,000 | $19,000 | $110,000 |
| Application Withdrawn By Applicant | 5 | $370,000 | $74,000 | $120,000 | $91,000 | $240,000 |
| Application Approved But Not Accepted | 3 | $307,000 | $102,000 | $137,000 | $80,000 | $111,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2 | $136,000 | $68,000 | $70,000 | $47,000 | $52,000 |
| Debt-To-Income Ratio | 2 | $80,000 | $40,000 | $68,000 | $78,000 | $100,000 |
| Unverifiable Information | 2 | $124,000 | $62,000 | $72,000 | $73,000 | $98,000 |
| Other | 1 | $75,000 | $75,000 | $75,000 | $114,000 | $114,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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