Pembina County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 187 mortgage applications in Pembina County, ND totaling $16.4 million, down 3% from 2012. The average application was for $87,000, and applicants reported an average income of $69,000. 49% of applications resulted in an originated loan and 16% were denied. The most active lender was US Bank, N.A., with 25 applications, followed by Wells Fargo Bank NA and Valley Mortgage, 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 | 187 |
| Total Mortgage Loan Application Amount | $16,435,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $286,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,110,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 25 | $ 2,542,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 23 | $ 1,888,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 20 | $ 2,007,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 14 | $ 1,465,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 231,088,000 | 12 | $ 400,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 10 | $ 757,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 9 | $ 696,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 981,868,000 | 9 | $ 603,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 651,968,000 | 8 | $ 553,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 259,175,000 | 7 | $ 434,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 464,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 339,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 4 | $ 378,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 481,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 333,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 154,039,000 | 3 | $ 419,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 379,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 136,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 304,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 206,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 57,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 92,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 127,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 108,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 168,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 154,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 1 | $ 64,000 |
| Star Bank of Texas 3930 BOAT CLUB RD FORT WORTH, TX 76135 |
* | $ 138,333,000 | 1 | $ 15,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 589,329,000 | 1 | $ 86,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 103,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 485,210,000 | 1 | $ 54,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 433,610,000 | 1 | $ 24,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 768,613,000 | 1 | $ 110,000 |
The tables below break down 2013 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 2013
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 | 103 | $10,032,000 | $97,000 | $286,000 | $84,000 | $1,110,000 |
| Home Purchase | 64 | $5,370,000 | $83,000 | $240,000 | $46,000 | $292,000 |
| Home Improvement | 20 | $1,033,000 | $51,000 | $185,000 | $68,000 | $148,000 |
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 | 146 | $13,134,000 | $89,000 | $286,000 | $79,000 | $1,110,000 |
| Not applicable | 20 | $1,816,000 | $90,000 | $200,000 | $10,000 | $74,000 |
| Not Provided | 17 | $1,279,000 | $75,000 | $171,000 | $63,000 | $179,000 |
| American Indian or Alaskan Native | 2 | $54,000 | $27,000 | $52,000 | $46,000 | $66,000 |
| Black or African American | 1 | $108,000 | $108,000 | $108,000 | $71,000 | $71,000 |
| Hispanic | 1 | $44,000 | $44,000 | $44,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 139 | $11,882,000 | $85,000 | $286,000 | $80,000 | $1,110,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,162,000 | $90,000 | $169,000 | $35,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,298,000 | $81,000 | $122,000 | $33,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,093,000 | $136,000 | $187,000 | $56,000 | $96,000 |
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 | 92 | $8,123,000 | $88,000 | $234,000 | $67,000 | $169,000 |
| Loan Purchased By The Institution | 30 | $2,834,000 | $94,000 | $200,000 | $22,000 | $84,000 |
| Application Denied By Financial Institution | 30 | $2,205,000 | $73,000 | $286,000 | $107,000 | $1,110,000 |
| Application Withdrawn By Applicant | 17 | $1,707,000 | $100,000 | $240,000 | $83,000 | $292,000 |
| Application Approved But Not Accepted | 11 | $978,000 | $88,000 | $200,000 | $82,000 | $384,000 |
| File Closed For Incompleteness | 7 | $588,000 | $84,000 | $144,000 | $82,000 | $179,000 |
| 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 | 7 | $902,000 | $128,000 | $286,000 | $218,000 | $1,110,000 |
| Credit History | 4 | $209,000 | $52,000 | $78,000 | $42,000 | $73,000 |
| Debt-To-Income Ratio | 2 | $156,000 | $78,000 | $86,000 | $41,000 | $49,000 |
| Employment History | 2 | $100,000 | $50,000 | $52,000 | $32,000 | $38,000 |
| Other | 2 | $101,000 | $50,000 | $66,000 | $103,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $57,000 | $57,000 | $57,000 | $41,000 | $41,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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