Pierce County, ND Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 83 mortgage applications in Pierce County, ND totaling $10.2 million, down 25% from 2021. The average application was for $123,000, and applicants reported an average income of $88,000. 59% of applications resulted in an originated loan and 22% were denied. The most active lender was First International Bank & Trust, with 19 applications, followed by Bremer Bank NA and Mortgage Research Center.
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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 | 83 |
| Total Mortgage Loan Application Amount | $10,245,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $293,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,710,410,000 | 19 | $ 2,145,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 16,499,164,000 | 9 | $ 965,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 860,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 4 | $ 500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 3 | $ 385,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,168,170,000 | 3 | $ 505,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 2 | $ 120,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 180,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 280,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 2 | $ 80,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 480,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 375,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 55,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 692,597,000 | 1 | $ 35,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,060,912,000 | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 215,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 3,383,892,000 | 1 | $ 285,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 165,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 285,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 165,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 165,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 637,988,000 | 1 | $ 175,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 1,310,231,000 | 1 | $ 45,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 45,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2022 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 2022
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 | 45 | $6,325,000 | $140,000 | $375,000 | $78,000 | $293,000 |
| Cash-out Refinancing | 12 | $1,490,000 | $124,000 | $225,000 | $94,000 | $293,000 |
| Home Improvement | 9 | $515,000 | $57,000 | $205,000 | $92,000 | $175,000 |
| Refinancing | 9 | $1,235,000 | $137,000 | $405,000 | $86,000 | $180,000 |
| Other Purpose | 7 | $665,000 | $95,000 | $165,000 | $137,000 | $288,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $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 | 59 | $7,095,000 | $120,000 | $405,000 | $80,000 | $288,000 |
| Not Provided | 10 | $1,730,000 | $173,000 | $375,000 | $132,000 | $293,000 |
| American Indian or Alaskan Native | 7 | $755,000 | $107,000 | $165,000 | $77,000 | $131,000 |
| Not applicable | 5 | $285,000 | $57,000 | $85,000 | $132,000 | $132,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $39,000 | $39,000 |
| Hispanic | 1 | $285,000 | $285,000 | $285,000 | $123,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 64 | $7,750,000 | $121,000 | $375,000 | $94,000 | $293,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,185,000 | $131,000 | $215,000 | $66,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 6 | $870,000 | $145,000 | $405,000 | $69,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $440,000 | $110,000 | $185,000 | $52,000 | $67,000 |
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 | 49 | $6,405,000 | $130,000 | $405,000 | $88,000 | $293,000 |
| Application Denied By Financial Institution | 18 | $1,860,000 | $103,000 | $205,000 | $58,000 | $140,000 |
| Application Withdrawn By Applicant | 10 | $1,120,000 | $112,000 | $225,000 | $120,000 | $293,000 |
| Loan Purchased By The Institution | 4 | $530,000 | $132,000 | $375,000 | $293,000 | $293,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $82,000 | $82,000 |
| Application Approved But Not Accepted | 1 | $285,000 | $285,000 | $285,000 | $73,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 65 | $8,385,000 | $129,000 | $405,000 | $96,000 | $293,000 |
| Debt-To-Income Ratio | 5 | $445,000 | $89,000 | $175,000 | $29,000 | $66,000 |
| Collateral | 3 | $305,000 | $101,000 | $165,000 | $74,000 | $131,000 |
| Credit History | 3 | $235,000 | $78,000 | $105,000 | $68,000 | $85,000 |
| Unverifiable Information | 3 | $375,000 | $125,000 | $205,000 | $72,000 | $140,000 |
| Credit Application Incomplete | 2 | $140,000 | $70,000 | $75,000 | $45,000 | $57,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $67,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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