Pembina County, ND Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 236 mortgage applications in Pembina County, ND totaling $14.4 million, down 2% from 2006. The average application was for $61,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank, NA, with 33 applications, followed by First Holding Company of Cavalier, Inc. and Citifinancial, Inc..
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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 | 236 |
| Total Mortgage Loan Application Amount | $14,435,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $185,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $303,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 33 | $ 1,948,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 131,577,000 | 24 | $ 763,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 816,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 15 | $ 915,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 14 | $ 1,037,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 374,120,000 | 10 | $ 532,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 10 | $ 791,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 8 | $ 340,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 693,481,000 | 8 | $ 229,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,626,791,000 | 7 | $ 590,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 7 | $ 609,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 6 | $ 490,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 394,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 6 | $ 414,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 5 | $ 272,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 174,753,000 | 5 | $ 240,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 883,195,000 | 5 | $ 303,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 4 | $ 315,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 3 | $ 229,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 196,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 2 | $ 33,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 2 | $ 157,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 709,825,000 | 2 | $ 78,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 2 | $ 135,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 124,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 90,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,667,948,000 | 1 | $ 54,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,301,425,000 | 1 | $ 59,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 1 | $ 68,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 60,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 1 | $ 84,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,660,337,000 | 1 | $ 69,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 35,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 135,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Nationwide Lending Corporation 165 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 25,616,472,000 | 1 | $ 47,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 490,969,000 | 1 | $ 101,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,270,555,000 | 1 | $ 102,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 1 | $ 69,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 14,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 83,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 1 | $ 157,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 1 | $ 29,000 |
The tables below break down 2007 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 2007
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 | 124 | $8,187,000 | $66,000 | $185,000 | $58,000 | $303,000 |
| Home Purchase | 77 | $5,326,000 | $69,000 | $172,000 | $51,000 | $115,000 |
| Home Improvement | 35 | $922,000 | $26,000 | $150,000 | $56,000 | $203,000 |
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 | 183 | $11,092,000 | $60,000 | $185,000 | $56,000 | $203,000 |
| Not Provided | 26 | $1,690,000 | $65,000 | $145,000 | $59,000 | $303,000 |
| Not applicable | 14 | $978,000 | $69,000 | $135,000 | $21,000 | $83,000 |
| Hispanic | 6 | $323,000 | $53,000 | $108,000 | $83,000 | $121,000 |
| American Indian or Alaskan Native | 4 | $260,000 | $65,000 | $76,000 | $56,000 | $66,000 |
| Black or African American | 2 | $69,000 | $34,000 | $54,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $23,000 | $23,000 | $23,000 | $44,000 | $44,000 |
| Asian | 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) | 206 | $12,078,000 | $58,000 | $172,000 | $56,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,901,000 | $79,000 | $185,000 | $52,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 4 | $266,000 | $66,000 | $75,000 | $29,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $190,000 | $95,000 | $140,000 | $43,000 | $64,000 |
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 | 118 | $6,626,000 | $56,000 | $185,000 | $57,000 | $203,000 |
| Application Denied By Financial Institution | 47 | $3,092,000 | $65,000 | $157,000 | $52,000 | $104,000 |
| Loan Purchased By The Institution | 29 | $2,001,000 | $69,000 | $135,000 | $38,000 | $109,000 |
| Application Withdrawn By Applicant | 19 | $1,354,000 | $71,000 | $124,000 | $79,000 | $303,000 |
| Application Approved But Not Accepted | 16 | $838,000 | $52,000 | $104,000 | $63,000 | $108,000 |
| File Closed For Incompleteness | 7 | $524,000 | $74,000 | $150,000 | $38,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $520,000 | $65,000 | $145,000 | $54,000 | $84,000 |
| Credit History | 5 | $283,000 | $56,000 | $127,000 | $47,000 | $84,000 |
| Other | 2 | $261,000 | $130,000 | $157,000 | $71,000 | $85,000 |
| Unverifiable Information | 1 | $157,000 | $157,000 | $157,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $67,000 | $67,000 | $67,000 | $39,000 | $39,000 |
| Debt-To-Income Ratio | 1 | $39,000 | $39,000 | $39,000 | $86,000 | $86,000 |
| Credit Application Incomplete | 1 | $130,000 | $130,000 | $130,000 | $66,000 | $66,000 |
| Employment History | 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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