Pierce County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 111 mortgage applications in Pierce County, ND totaling $16.4 million, down 3% from 2020. The average application was for $147,000, and applicants reported an average income of $80,000. 65% of applications resulted in an originated loan and 15% were denied. The most active lender was Bremer Bank NA, with 19 applications, followed by First International Bank & Trust 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 | 111 |
| Total Mortgage Loan Application Amount | $16,395,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $338,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 19 | $ 2,445,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 19 | $ 2,745,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 10 | $ 1,560,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 725,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 485,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 4 | $ 590,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 890,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 275,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 3 | $ 245,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 3 | $ 715,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 500,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 300,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 530,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 460,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 430,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 1 | $ 315,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 135,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 285,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 125,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,888,189,000 | 1 | $ 155,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 45,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 145,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 25,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 1 | $ 405,000 |
The tables below break down 2021 mortgage applications in Pierce 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 Pierce County, ND in 2021
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 | 38 | $5,570,000 | $146,000 | $385,000 | $63,000 | $128,000 |
| Refinancing | 33 | $4,755,000 | $144,000 | $395,000 | $82,000 | $193,000 |
| Cash-out Refinancing | 31 | $5,455,000 | $175,000 | $405,000 | $91,000 | $338,000 |
| Home Improvement | 3 | $115,000 | $38,000 | $85,000 | $87,000 | $120,000 |
| Not Applicable | 3 | $235,000 | $78,000 | $95,000 | $0 | $0 |
| Other Purpose | 3 | $265,000 | $88,000 | $205,000 | $135,000 | $305,000 |
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 | 87 | $12,615,000 | $145,000 | $405,000 | $80,000 | $338,000 |
| Not Provided | 9 | $1,495,000 | $166,000 | $355,000 | $96,000 | $188,000 |
| Not applicable | 7 | $895,000 | $127,000 | $405,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $705,000 | $141,000 | $285,000 | $46,000 | $74,000 |
| Black or African American | 3 | $685,000 | $228,000 | $315,000 | $79,000 | $81,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 73 | $11,025,000 | $151,000 | $405,000 | $90,000 | $338,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,980,000 | $149,000 | $315,000 | $48,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,815,000 | $139,000 | $275,000 | $54,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $575,000 | $115,000 | $155,000 | $50,000 | $74,000 |
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 | 72 | $11,750,000 | $163,000 | $405,000 | $84,000 | $305,000 |
| Application Denied By Financial Institution | 17 | $1,655,000 | $97,000 | $345,000 | $59,000 | $156,000 |
| Application Withdrawn By Applicant | 11 | $1,635,000 | $148,000 | $315,000 | $100,000 | $338,000 |
| Loan Purchased By The Institution | 6 | $890,000 | $148,000 | $405,000 | $0 | $0 |
| File Closed For Incompleteness | 4 | $300,000 | $75,000 | $85,000 | $31,000 | $46,000 |
| Application Approved But Not Accepted | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| 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 | 94 | $14,740,000 | $156,000 | $405,000 | $84,000 | $338,000 |
| Debt-To-Income Ratio | 5 | $385,000 | $77,000 | $255,000 | $45,000 | $86,000 |
| Collateral | 3 | $245,000 | $81,000 | $135,000 | $52,000 | $68,000 |
| Credit Application Incomplete | 3 | $585,000 | $195,000 | $345,000 | $84,000 | $156,000 |
| Credit History | 3 | $55,000 | $18,000 | $25,000 | $59,000 | $75,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $50,000 | $50,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $59,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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