Pembina County, ND Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 310 mortgage applications in Pembina County, ND totaling $17.4 million, down 27% from 2003. The average application was for $56,000, and applicants reported an average income of $48,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was First Holding Company of Cavalier, Inc., with 46 applications, followed by Wells Fargo Bank, NA and Ameriquest 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 | 310 |
| Total Mortgage Loan Application Amount | $17,414,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $190,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $340,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 80,704,000 | 46 | $ 1,557,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 29 | $ 1,337,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 28 | $ 2,487,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 16 | $ 1,188,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 14 | $ 533,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 13 | $ 1,002,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 782,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 11 | $ 488,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 148,377,000 | 10 | $ 252,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 993,545,000 | 8 | $ 383,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 442,007,000 | 8 | $ 663,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 580,792,000 | 7 | $ 288,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 547,895,000 | 6 | $ 323,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 6 | $ 269,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 6 | $ 285,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 5 | $ 299,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 332,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 5 | $ 225,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 5 | $ 277,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 354,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 4 | $ 168,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 4 | $ 314,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 4 | $ 180,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 4 | $ 294,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 222,605,000 | 3 | $ 177,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 119,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 3 | $ 283,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 3 | $ 134,000 |
| Tcf Mortgage Corporation 801 MARQUETTE AVENUE (002-01-P) MINNEAPOLIS, MN 55402 |
* | $ 3,586,805,000 | 2 | $ 151,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 124,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 93,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 725,598,000 | 2 | $ 75,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 2 | $ 107,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 107,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 1 | $ 113,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 69,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 42,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 1 | $ 116,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 47,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 22,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 45,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 529,880,000 | 1 | $ 19,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 67,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 609,769,000 | 1 | $ 75,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 33,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Summit Mortgage 510 INDEPENDENCE PARKWAY, SUITE 200 CHESAPEAKE, VA 23320 |
* | $ 220,267,000 | 1 | $ 56,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 45,247,734,000 | 1 | $ 75,000 |
The tables below break down 2004 mortgage applications in Pembina 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 Pembina County, ND in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 176 | $11,610,000 | $65,000 | $190,000 | $47,000 | $340,000 |
| Home Purchase | 80 | $4,292,000 | $53,000 | $150,000 | $50,000 | $265,000 |
| Home Improvement | 54 | $1,512,000 | $28,000 | $160,000 | $48,000 | $183,000 |
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 | 247 | $13,896,000 | $56,000 | $190,000 | $51,000 | $340,000 |
| Not Provided | 36 | $2,540,000 | $70,000 | $178,000 | $46,000 | $98,000 |
| Not applicable | 15 | $675,000 | $45,000 | $91,000 | $5,000 | $50,000 |
| Hispanic | 10 | $226,000 | $22,000 | $113,000 | $64,000 | $231,000 |
| American Indian or Alaskan Native | 2 | $77,000 | $38,000 | $55,000 | $49,000 | $52,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 287 | $16,280,000 | $56,000 | $190,000 | $50,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 13 | $613,000 | $47,000 | $64,000 | $34,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 10 | $521,000 | $52,000 | $67,000 | $22,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 163 | $8,624,000 | $52,000 | $150,000 | $54,000 | $265,000 |
| Application Denied By Financial Institution | 63 | $3,050,000 | $48,000 | $160,000 | $34,000 | $96,000 |
| Application Approved But Not Accepted | 22 | $1,576,000 | $71,000 | $150,000 | $71,000 | $183,000 |
| Application Withdrawn By Applicant | 21 | $1,419,000 | $67,000 | $178,000 | $55,000 | $239,000 |
| File Closed For Incompleteness | 21 | $1,786,000 | $85,000 | $190,000 | $62,000 | $340,000 |
| Loan Purchased By The Institution | 20 | $959,000 | $47,000 | $91,000 | $8,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 14 | $823,000 | $58,000 | $144,000 | $33,000 | $88,000 |
| Credit History | 12 | $320,000 | $26,000 | $70,000 | $33,000 | $55,000 |
| Debt-To-Income Ratio | 7 | $325,000 | $46,000 | $64,000 | $37,000 | $58,000 |
| Credit Application Incomplete | 5 | $371,000 | $74,000 | $100,000 | $37,000 | $96,000 |
| Collateral | 4 | $201,000 | $50,000 | $66,000 | $23,000 | $34,000 |
| Unverifiable Information | 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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