Pembina County, ND Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 148 mortgage applications in Pembina County, ND totaling $14.3 million, down 3% from 2015. The average application was for $96,000, and applicants reported an average income of $61,000. 47% of applications resulted in an originated loan and 22% were denied. The most active lender was First Holding Company of Cavalier, Inc., with 17 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 148 |
| Total Mortgage Loan Application Amount | $14,327,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $312,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $270,000 |
| 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 |
* | $ 252,579,000 | 17 | $ 878,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 17 | $ 1,612,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 12 | $ 1,170,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,115,257,000 | 10 | $ 695,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 7 | $ 893,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 10,643,549,000 | 6 | $ 685,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 711,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 5 | $ 557,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,587,008,000 | 5 | $ 545,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,888,081,000 | 4 | $ 350,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 379,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 831,999,000 | 4 | $ 505,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 3 | $ 217,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,738,618,000 | 3 | $ 192,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 3 | $ 220,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 464,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 436,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 784,567,000 | 2 | $ 432,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 2 | $ 222,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 191,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 170,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 157,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 39,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 62,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 89,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 100,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 532,302,000 | 1 | $ 45,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 79,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 88,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 108,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 85,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 144,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 46,000 |
| Cuso Mortgage, Inc. 5601 E LA PALMA AVENUE ANAHEIM, CA 92807 |
* | $ 10,000,000 | 1 | $ 312,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 102,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 98,000 |
| Private Bank of Buckhead 3565 PIEDMONT ROAD, BLDG 3, STE 210 ATLANTA, GA 30305 |
* | $ 280,450,000 | 1 | $ 180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 78,000 |
The tables below break down 2016 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 2016
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 | 71 | $6,666,000 | $93,000 | $270,000 | $53,000 | $204,000 |
| Refinancing | 54 | $5,977,000 | $110,000 | $312,000 | $61,000 | $223,000 |
| Home Improvement | 23 | $1,684,000 | $73,000 | $312,000 | $86,000 | $270,000 |
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 | 120 | $10,688,000 | $89,000 | $291,000 | $67,000 | $270,000 |
| Not applicable | 18 | $2,114,000 | $117,000 | $291,000 | $0 | $0 |
| Not Provided | 6 | $1,072,000 | $178,000 | $312,000 | $130,000 | $223,000 |
| Hispanic | 2 | $160,000 | $80,000 | $85,000 | $65,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $149,000 | $149,000 | $149,000 | $103,000 | $103,000 |
| Black or African American | 1 | $144,000 | $144,000 | $144,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 108 | $10,536,000 | $97,000 | $312,000 | $69,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,134,000 | $81,000 | $159,000 | $34,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,370,000 | $105,000 | $170,000 | $46,000 | $102,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,287,000 | $99,000 | $185,000 | $40,000 | $90,000 |
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 | 70 | $6,287,000 | $89,000 | $312,000 | $63,000 | $223,000 |
| Application Denied By Financial Institution | 33 | $2,834,000 | $85,000 | $180,000 | $70,000 | $270,000 |
| Loan Purchased By The Institution | 21 | $2,564,000 | $122,000 | $312,000 | $14,000 | $223,000 |
| Application Withdrawn By Applicant | 12 | $1,568,000 | $130,000 | $270,000 | $86,000 | $204,000 |
| File Closed For Incompleteness | 9 | $844,000 | $93,000 | $180,000 | $90,000 | $188,000 |
| Application Approved But Not Accepted | 3 | $230,000 | $76,000 | $98,000 | $46,000 | $73,000 |
| 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 | 5 | $275,000 | $55,000 | $80,000 | $48,000 | $76,000 |
| Debt-To-Income Ratio | 4 | $419,000 | $104,000 | $149,000 | $115,000 | $270,000 |
| Credit History | 3 | $232,000 | $77,000 | $132,000 | $65,000 | $95,000 |
| Unverifiable Information | 2 | $187,000 | $93,000 | $125,000 | $54,000 | $87,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $95,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $51,000 | $51,000 | $51,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $103,000 | $103,000 |
| 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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