Oliver County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 29 mortgage applications in Oliver County, ND totaling $5.7 million, down 43% from 2022. The average application was for $198,000, and applicants reported an average income of $117,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Capital Credit Union, with 6 applications, followed by Gate City Bank and Vue 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 | 29 |
| Total Mortgage Loan Application Amount | $5,745,000 |
| Average Mortgage Loan Application Amount | $198,000 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $662,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 724,151,000 | 6 | $ 770,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 3 | $ 295,000 |
| Vue Community Credit Union 818 E MAIN AVE BISMARCK, ND 58501 |
* | $ 89,099,000 | 2 | $ 520,000 |
| The Union Bank 1700 HWY 49 NORTH BEULAH, ND 58523 |
* | $ 259,560,000 | 2 | $ 830,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 1,240,396,000 | 2 | $ 260,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 245,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 245,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 475,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,576,574,000 | 1 | $ 355,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 239,388,000 | 1 | $ 85,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ -1,000 | 1 | $ 175,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 195,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 85,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 285,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,398,640,000 | 1 | $ 175,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 162,148,000 | 1 | $ 65,000 |
The tables below break down 2023 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 2023
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 | 16 | $3,710,000 | $231,000 | $475,000 | $82,000 | $142,000 |
| Cash-out Refinancing | 5 | $1,205,000 | $241,000 | $285,000 | $128,000 | $183,000 |
| Other Purpose | 4 | $370,000 | $92,000 | $215,000 | $248,000 | $662,000 |
| Home Improvement | 3 | $165,000 | $55,000 | $85,000 | $114,000 | $156,000 |
| Refinancing | 1 | $295,000 | $295,000 | $295,000 | $62,000 | $62,000 |
| 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 | 25 | $4,665,000 | $186,000 | $475,000 | $118,000 | $662,000 |
| Not applicable | 3 | $795,000 | $265,000 | $375,000 | $92,000 | $98,000 |
| Not Provided | 1 | $285,000 | $285,000 | $285,000 | $129,000 | $129,000 |
| 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) | 26 | $5,350,000 | $205,000 | $475,000 | $123,000 | $662,000 |
| FHA-insured (Federal Housing Administration) | 3 | $395,000 | $131,000 | $245,000 | $62,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 14 | $2,740,000 | $195,000 | $475,000 | $137,000 | $662,000 |
| Application Denied By Financial Institution | 6 | $950,000 | $158,000 | $355,000 | $79,000 | $130,000 |
| Application Withdrawn By Applicant | 4 | $1,120,000 | $280,000 | $475,000 | $147,000 | $183,000 |
| File Closed For Incompleteness | 3 | $365,000 | $121,000 | $245,000 | $63,000 | $131,000 |
| Loan Purchased By The Institution | 2 | $570,000 | $285,000 | $375,000 | $98,000 | $98,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 19 | $3,445,000 | $181,000 | $475,000 | $133,000 | $662,000 |
| Debt-To-Income Ratio | 7 | $1,855,000 | $265,000 | $475,000 | $84,000 | $142,000 |
| Collateral | 1 | $145,000 | $145,000 | $145,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $80,000 | $80,000 |
| Unverifiable Information | 1 | $245,000 | $245,000 | $245,000 | $130,000 | $130,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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