Nelson County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 65 mortgage applications in Nelson County, ND totaling $8.1 million, down 13% from 2020. The average application was for $125,000, and applicants reported an average income of $76,000. 63% of applications resulted in an originated loan and 15% were denied. The most active lender was Gate City Bank, with 12 applications, followed by Western State Bank and Mortgage Research Center.
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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 | 65 |
| Total Mortgage Loan Application Amount | $8,125,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $264,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 12 | $ 1,560,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 1,286,460,000 | 6 | $ 920,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 690,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 4 | $ 290,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 390,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,671,850,000 | 2 | $ 110,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 580,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 2 | $ 230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 210,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 45,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,399,512,000 | 1 | $ 25,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 85,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 628,546,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 65,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 484,003,000 | 1 | $ 335,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 1 | $ 115,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 336,858,000 | 1 | $ 85,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 225,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 235,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,379,086,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 55,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 45,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 85,000 |
The tables below break down 2021 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 2021
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 | 26 | $2,940,000 | $113,000 | $335,000 | $78,000 | $264,000 |
| Refinancing | 24 | $3,300,000 | $137,000 | $455,000 | $72,000 | $167,000 |
| Cash-out Refinancing | 13 | $1,725,000 | $132,000 | $315,000 | $77,000 | $127,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $77,000 | $77,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 52 | $6,350,000 | $122,000 | $455,000 | $77,000 | $264,000 |
| Not Provided | 5 | $625,000 | $125,000 | $225,000 | $27,000 | $44,000 |
| Not applicable | 4 | $600,000 | $150,000 | $335,000 | $0 | $0 |
| Hispanic | 2 | $320,000 | $160,000 | $205,000 | $130,000 | $185,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $64,000 | $64,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
| 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) | 42 | $5,220,000 | $124,000 | $455,000 | $82,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,755,000 | $135,000 | $305,000 | $57,000 | $98,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,020,000 | $127,000 | $205,000 | $67,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $130,000 | $65,000 | $85,000 | $34,000 | $34,000 |
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 | 41 | $5,175,000 | $126,000 | $335,000 | $83,000 | $264,000 |
| Application Denied By Financial Institution | 10 | $1,240,000 | $124,000 | $455,000 | $60,000 | $185,000 |
| Application Withdrawn By Applicant | 7 | $875,000 | $125,000 | $325,000 | $54,000 | $71,000 |
| Loan Purchased By The Institution | 4 | $600,000 | $150,000 | $335,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $65,000 | $69,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 54 | $6,800,000 | $125,000 | $335,000 | $80,000 | $264,000 |
| Debt-To-Income Ratio | 7 | $1,005,000 | $143,000 | $455,000 | $37,000 | $92,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $41,000 | $41,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $110,000 | $110,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $185,000 | $185,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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