Pembina County, ND Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 170 mortgage applications in Pembina County, ND totaling $12.1 million, down 28% from 2007. The average application was for $71,000, and applicants reported an average income of $57,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 27 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 | 170 |
| Total Mortgage Loan Application Amount | $12,131,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $297,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $324,000 |
| 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 |
* | $ 467,861,000,000 | 27 | $ 2,045,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 139,959,000 | 21 | $ 868,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 12 | $ 537,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 11 | $ 943,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 784,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 446,971,000 | 9 | $ 467,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 617,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 485,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 704,621,000 | 5 | $ 315,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 599,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 721,911,000 | 5 | $ 249,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 5 | $ 261,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,815,913,000 | 4 | $ 335,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 4 | $ 366,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 951,979,000 | 4 | $ 306,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 3 | $ 253,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 178,205,000 | 3 | $ 171,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 3 | $ 332,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 216,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 180,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 90,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 112,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 51,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 156,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 156,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 84,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,354,950,000 | 1 | $ 89,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Community Bank of the Rrv 1616 S WASHINGTON ST GRAND FORKS, ND 58201 |
* | $ 280,630,000 | 1 | $ 42,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 291,390,000 | 1 | $ 53,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 65,000 |
| Colorado Federal Savings Bank 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 45,485,000 | 1 | $ 158,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 15,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 42,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 65,000 |
The tables below break down 2008 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 2008
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 | 90 | $7,123,000 | $79,000 | $297,000 | $61,000 | $324,000 |
| Home Purchase | 53 | $3,936,000 | $74,000 | $203,000 | $45,000 | $149,000 |
| Home Improvement | 27 | $1,072,000 | $39,000 | $130,000 | $69,000 | $190,000 |
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 | 142 | $9,922,000 | $69,000 | $297,000 | $59,000 | $206,000 |
| Not Provided | 12 | $887,000 | $73,000 | $158,000 | $82,000 | $324,000 |
| Not applicable | 11 | $1,089,000 | $99,000 | $158,000 | $7,000 | $82,000 |
| American Indian or Alaskan Native | 2 | $102,000 | $51,000 | $88,000 | $24,000 | $49,000 |
| Hispanic | 2 | $31,000 | $15,000 | $24,000 | $23,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $190,000 | $190,000 |
| 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) | 122 | $7,950,000 | $65,000 | $297,000 | $60,000 | $324,000 |
| FHA-insured (Federal Housing Administration) | 41 | $3,578,000 | $87,000 | $158,000 | $49,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 6 | $497,000 | $82,000 | $149,000 | $55,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $106,000 | $106,000 | $106,000 | $54,000 | $54,000 |
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 | 94 | $6,272,000 | $66,000 | $297,000 | $61,000 | $206,000 |
| Application Denied By Financial Institution | 33 | $2,363,000 | $71,000 | $185,000 | $50,000 | $114,000 |
| Application Withdrawn By Applicant | 14 | $1,031,000 | $73,000 | $158,000 | $65,000 | $125,000 |
| Loan Purchased By The Institution | 14 | $1,340,000 | $95,000 | $158,000 | $16,000 | $82,000 |
| Application Approved But Not Accepted | 9 | $600,000 | $66,000 | $125,000 | $55,000 | $100,000 |
| File Closed For Incompleteness | 6 | $525,000 | $87,000 | $119,000 | $118,000 | $324,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $452,000 | $64,000 | $103,000 | $53,000 | $114,000 |
| Collateral | 6 | $722,000 | $120,000 | $185,000 | $60,000 | $82,000 |
| Credit Application Incomplete | 2 | $267,000 | $133,000 | $156,000 | $100,000 | $111,000 |
| Debt-To-Income Ratio | 2 | $27,000 | $13,000 | $24,000 | $34,000 | $52,000 |
| Other | 1 | $22,000 | $22,000 | $22,000 | $65,000 | $65,000 |
| 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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