Nelson County, ND Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 51 mortgage applications in Nelson County, ND totaling $6.9 million, down 22% from 2021. The average application was for $135,000, and applicants reported an average income of $83,000. 63% of applications resulted in an originated loan and 6% were denied. The most active lender was Gate City Bank, with 7 applications, followed by Bravera Bank and First Community Credit Union.
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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 | 51 |
| Total Mortgage Loan Application Amount | $6,905,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $364,000 |
| 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 |
* | $ 3,168,170,000 | 7 | $ 1,685,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,253,278,000 | 4 | $ 470,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,060,912,000 | 4 | $ 480,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 3,390,640,000 | 3 | $ 435,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 300,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 240,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 170,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 2 | $ 310,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 110,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 1,703,317,000 | 1 | $ 145,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 442,133,000 | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 115,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,965,063,000 | 1 | $ 45,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 1 | $ 25,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 95,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 85,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 321,585,000 | 1 | $ 135,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 1 | $ 165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 45,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 165,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 873,139,000 | 1 | $ 245,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 55,000 |
The tables below break down 2022 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 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 | 25 | $3,175,000 | $127,000 | $295,000 | $64,000 | $143,000 |
| Refinancing | 12 | $2,130,000 | $177,000 | $505,000 | $142,000 | $364,000 |
| Cash-out Refinancing | 11 | $1,505,000 | $136,000 | $255,000 | $81,000 | $150,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $35,000 | $70,000 | $96,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $106,000 | $106,000 |
| Not Applicable | 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 | 46 | $6,380,000 | $138,000 | $505,000 | $83,000 | $364,000 |
| Not Provided | 4 | $400,000 | $100,000 | $155,000 | $98,000 | $110,000 |
| Not applicable | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | $4,785,000 | $145,000 | $505,000 | $95,000 | $364,000 |
| VA-guaranteed (Veterans Administration) | 8 | $850,000 | $106,000 | $185,000 | $67,000 | $95,000 |
| FHA-insured (Federal Housing Administration) | 5 | $715,000 | $143,000 | $235,000 | $57,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $555,000 | $111,000 | $195,000 | $51,000 | $81,000 |
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 | 32 | $4,340,000 | $135,000 | $335,000 | $80,000 | $162,000 |
| Application Withdrawn By Applicant | 9 | $1,325,000 | $147,000 | $505,000 | $113,000 | $364,000 |
| File Closed For Incompleteness | 3 | $445,000 | $148,000 | $235,000 | $62,000 | $69,000 |
| Application Denied By Financial Institution | 3 | $445,000 | $148,000 | $295,000 | $70,000 | $86,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $105,000 | $0 | $0 |
| Loan Purchased By The Institution | 2 | $170,000 | $85,000 | $125,000 | $31,000 | $31,000 |
| 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 | 47 | $6,325,000 | $134,000 | $505,000 | $85,000 | $364,000 |
| Debt-To-Income Ratio | 2 | $200,000 | $100,000 | $135,000 | $54,000 | $70,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $86,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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