Oliver County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 51 mortgage applications in Oliver County, ND totaling $5.9 million, down 6% from 2013. The average application was for $114,000, and applicants reported an average income of $67,000. 69% of applications resulted in an originated loan and 18% were denied. The most active lender was Security First Bank of North Dakota, with 16 applications, followed by Wells Fargo Bank NA and Franklin American Mortgage Company.
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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 | $5,857,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $199,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 175,766,000 | 16 | $ 1,983,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 4 | $ 159,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 404,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 521,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 705,470,000 | 2 | $ 313,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 237,168,000 | 2 | $ 184,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 961,215,000 | 2 | $ 51,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 471,727,000 | 2 | $ 69,000 |
| Union Bank, the PO BOX 789 BEULAH, ND 58523 |
* | $ 132,946,000 | 2 | $ 149,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 84,377,000 | 1 | $ 63,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 250,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 32,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 1 | $ 30,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 61,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 121,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 101,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 284,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 180,000 |
| The State Bank 124 COLORADO AVE LA JUNTA, CO 81050 |
* | $ 95,540,000 | 1 | $ 244,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 850,750,000 | 1 | $ 101,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 377,882,000 | 1 | $ 163,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,129,209,000 | 1 | $ 159,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 351,442,000 | 1 | $ 73,000 |
The tables below break down 2014 mortgage applications in Oliver 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 Oliver County, ND in 2014
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 | 21 | $3,092,000 | $147,000 | $320,000 | $78,000 | $157,000 |
| Refinancing | 19 | $2,061,000 | $108,000 | $284,000 | $62,000 | $199,000 |
| Home Improvement | 11 | $704,000 | $64,000 | $170,000 | $53,000 | $115,000 |
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 | 43 | $4,992,000 | $116,000 | $320,000 | $70,000 | $199,000 |
| Not applicable | 3 | $377,000 | $125,000 | $180,000 | $0 | $0 |
| Not Provided | 3 | $442,000 | $147,000 | $224,000 | $91,000 | $109,000 |
| Hispanic | 2 | $46,000 | $23,000 | $26,000 | $64,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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 |
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) | 47 | $5,449,000 | $115,000 | $320,000 | $70,000 | $199,000 |
| FHA-insured (Federal Housing Administration) | 3 | $293,000 | $97,000 | $121,000 | $30,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $115,000 | $115,000 | $115,000 | $46,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 35 | $4,156,000 | $118,000 | $320,000 | $70,000 | $157,000 |
| Application Denied By Financial Institution | 9 | $1,013,000 | $112,000 | $250,000 | $79,000 | $199,000 |
| Application Approved But Not Accepted | 3 | $231,000 | $77,000 | $101,000 | $85,000 | $103,000 |
| Loan Purchased By The Institution | 3 | $377,000 | $125,000 | $180,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $80,000 | $80,000 | $80,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $409,000 | $102,000 | $163,000 | $60,000 | $135,000 |
| Credit History | 3 | $326,000 | $108,000 | $250,000 | $75,000 | $115,000 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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