Pembina County, ND Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 93 mortgage applications in Pembina County, ND totaling $11.5 million, down 6% from 2023. The average application was for $123,000, and applicants reported an average income of $94,000. 65% of applications resulted in an originated loan and 14% were denied. The most active lender was Kodabank, with 13 applications, followed by Mortgage Research Center and United Wholesale Mortgage.
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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 | 93 |
| Total Mortgage Loan Application Amount | $11,515,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $442,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Kodabank 104 S MAIN ST DRAYTON, ND 58225 |
* | $ n/a | 13 | $ 1,095,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 1,355,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 1,130,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 5 | $ 795,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 5 | $ 795,000 |
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ n/a | 4 | $ 300,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 4 | $ 610,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 4 | $ 560,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ n/a | 3 | $ 375,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 290,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 100,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 220,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 500,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 260,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 80,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 2 | $ 340,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 260,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 2 | $ 280,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 410,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 90,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 105,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 235,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 145,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 85,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 155,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 25,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ n/a | 1 | $ 125,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ n/a | 1 | $ 25,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 235,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 135,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 145,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 85,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2024 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 2024
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 | 60 | $8,750,000 | $145,000 | $335,000 | $91,000 | $442,000 |
| Refinancing | 14 | $1,410,000 | $100,000 | $175,000 | $117,000 | $211,000 |
| Home Improvement | 8 | $380,000 | $47,000 | $155,000 | $83,000 | $150,000 |
| Other Purpose | 7 | $385,000 | $55,000 | $85,000 | $106,000 | $241,000 |
| Cash-out Refinancing | 4 | $590,000 | $147,000 | $325,000 | $76,000 | $135,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 65 | $7,595,000 | $116,000 | $325,000 | $99,000 | $442,000 |
| Not Provided | 11 | $1,305,000 | $118,000 | $305,000 | $72,000 | $241,000 |
| Not applicable | 8 | $1,210,000 | $151,000 | $225,000 | $0 | $0 |
| Hispanic | 4 | $360,000 | $90,000 | $185,000 | $95,000 | $150,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $235,000 | $73,000 | $106,000 |
| Asian | 2 | $440,000 | $220,000 | $225,000 | $72,000 | $72,000 |
| Black or African American | 1 | $335,000 | $335,000 | $335,000 | $103,000 | $103,000 |
| 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) | 68 | $7,630,000 | $112,000 | $325,000 | $101,000 | $442,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,760,000 | $197,000 | $335,000 | $97,000 | $151,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,030,000 | $103,000 | $235,000 | $45,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $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 | 60 | $8,090,000 | $134,000 | $335,000 | $100,000 | $442,000 |
| Application Denied By Financial Institution | 13 | $1,265,000 | $97,000 | $325,000 | $76,000 | $241,000 |
| Application Withdrawn By Applicant | 10 | $1,110,000 | $111,000 | $305,000 | $89,000 | $163,000 |
| Loan Purchased By The Institution | 5 | $625,000 | $125,000 | $155,000 | $51,000 | $51,000 |
| Application Approved But Not Accepted | 3 | $215,000 | $71,000 | $135,000 | $70,000 | $85,000 |
| File Closed For Incompleteness | 2 | $210,000 | $105,000 | $165,000 | $117,000 | $160,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 59 | $8,105,000 | $137,000 | $335,000 | $83,000 | $197,000 |
| Debt-To-Income Ratio | 24 | $2,640,000 | $110,000 | $325,000 | $125,000 | $442,000 |
| Credit History | 4 | $130,000 | $32,000 | $45,000 | $117,000 | $241,000 |
| Other | 2 | $330,000 | $165,000 | $225,000 | $72,000 | $72,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $150,000 | $150,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $44,000 | $44,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $41,000 | $41,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $50,000 | $50,000 |
| 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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