Oliver County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 76 mortgage applications in Oliver County, ND totaling $12.6 million, up 49% from 2014. The average application was for $166,000, and applicants reported an average income of $80,000. 66% of applications resulted in an originated loan and 13% were denied. The most active lender was Security First Bank of North Dakota, with 14 applications, followed by Wells Fargo Bank NA and Kirkwood Bank & Trust Co..
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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 | 76 |
| Total Mortgage Loan Application Amount | $12,627,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $270,000 |
| 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 |
* | $ 179,610,000 | 14 | $ 1,940,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 7 | $ 1,334,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 221,827,000 | 7 | $ 1,078,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 742,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 840,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,107,155,000 | 3 | $ 631,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 245,560,000 | 3 | $ 717,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 3 | $ 717,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 784,401,000 | 3 | $ 700,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,771,679,000 | 3 | $ 512,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 378,840,000 | 2 | $ 368,000 |
| Bank of Glen Ullin PO BOX 99 GLEN ULLIN, ND 58631 |
* | $ 52,090,000 | 2 | $ 233,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 383,287,000 | 2 | $ 282,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 374,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 80,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 755,957,000 | 1 | $ 94,000 |
| Union Bank, the PO BOX 789 BEULAH, ND 58523 |
* | $ 145,870,000 | 1 | $ 140,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 152,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 324,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 247,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 889,163,000 | 1 | $ 94,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 138,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 71,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 135,000 |
The tables below break down 2015 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 2015
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 | 38 | $6,841,000 | $180,000 | $360,000 | $86,000 | $228,000 |
| Refinancing | 27 | $4,228,000 | $156,000 | $284,000 | $63,000 | $153,000 |
| Home Improvement | 11 | $1,558,000 | $141,000 | $310,000 | $103,000 | $270,000 |
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 | 62 | $10,233,000 | $165,000 | $360,000 | $92,000 | $270,000 |
| Not applicable | 9 | $1,883,000 | $209,000 | $324,000 | $13,000 | $123,000 |
| Not Provided | 5 | $511,000 | $102,000 | $137,000 | $53,000 | $63,000 |
| 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) | 60 | $9,934,000 | $165,000 | $360,000 | $87,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,138,000 | $178,000 | $247,000 | $65,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $297,000 | $148,000 | $180,000 | $26,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 2 | $258,000 | $129,000 | $138,000 | $29,000 | $58,000 |
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 | 50 | $7,965,000 | $159,000 | $360,000 | $91,000 | $228,000 |
| Loan Purchased By The Institution | 13 | $2,850,000 | $219,000 | $324,000 | $42,000 | $136,000 |
| Application Denied By Financial Institution | 10 | $1,495,000 | $149,000 | $305,000 | $89,000 | $270,000 |
| Application Withdrawn By Applicant | 3 | $317,000 | $105,000 | $138,000 | $32,000 | $53,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 3 | $460,000 | $153,000 | $220,000 | $69,000 | $98,000 |
| Credit Application Incomplete | 3 | $379,000 | $126,000 | $162,000 | $62,000 | $82,000 |
| Credit History | 1 | $100,000 | $100,000 | $100,000 | $72,000 | $72,000 |
| 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 |
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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