Ramsey County, ND Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 283 mortgage applications in Ramsey County, ND totaling $24.8 million, down 22% from 2007. The average application was for $87,000, and applicants reported an average income of $60,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Gate City Bank, with 49 applications, followed by Western State Bank and Bremer Bank NA (Fargo).
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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 | 283 |
| Total Mortgage Loan Application Amount | $24,761,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $424,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 951,979,000 | 49 | $ 2,980,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 361,439,000 | 38 | $ 2,956,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,354,950,000 | 31 | $ 2,449,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 178,205,000 | 26 | $ 2,914,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 23 | $ 2,419,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 16 | $ 1,580,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 15 | $ 782,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 828,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 9 | $ 1,106,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 8 | $ 1,246,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 7 | $ 797,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 637,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 429,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 3 | $ 389,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 3 | $ 226,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 3 | $ 270,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 224,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 39,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 149,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 446,971,000 | 2 | $ 217,000 |
| Community Bank of the Rrv 1616 S WASHINGTON ST GRAND FORKS, ND 58201 |
* | $ 280,630,000 | 1 | $ 57,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 49,073,000 | 1 | $ 84,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 149,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 171,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 262,758,000 | 1 | $ 141,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 52,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 70,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 675,894,000 | 1 | $ 40,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 425,915,000 | 1 | $ 36,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 171,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 135,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 86,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 25,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 63,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 704,621,000 | 1 | $ 52,000 |
The tables below break down 2008 mortgage applications in Ramsey 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 Ramsey County, ND in 2008
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 | 149 | $13,857,000 | $93,000 | $1,100,000 | $62,000 | $371,000 |
| Home Purchase | 95 | $9,107,000 | $95,000 | $280,000 | $55,000 | $424,000 |
| Home Improvement | 39 | $1,797,000 | $46,000 | $280,000 | $62,000 | $180,000 |
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 | 217 | $17,772,000 | $81,000 | $280,000 | $63,000 | $424,000 |
| Not applicable | 28 | $4,257,000 | $152,000 | $1,100,000 | $35,000 | $135,000 |
| Not Provided | 23 | $1,249,000 | $54,000 | $131,000 | $54,000 | $156,000 |
| American Indian or Alaskan Native | 11 | $1,179,000 | $107,000 | $252,000 | $71,000 | $142,000 |
| Hispanic | 3 | $228,000 | $76,000 | $154,000 | $42,000 | $60,000 |
| Asian | 1 | $76,000 | $76,000 | $76,000 | $100,000 | $100,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 219 | $17,809,000 | $81,000 | $1,100,000 | $63,000 | $424,000 |
| FHA-insured (Federal Housing Administration) | 45 | $4,654,000 | $103,000 | $228,000 | $49,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,856,000 | $116,000 | $194,000 | $46,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $442,000 | $147,000 | $223,000 | $53,000 | $73,000 |
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 | 160 | $12,821,000 | $80,000 | $1,100,000 | $64,000 | $424,000 |
| Application Denied By Financial Institution | 43 | $3,903,000 | $90,000 | $280,000 | $59,000 | $168,000 |
| Application Withdrawn By Applicant | 33 | $2,995,000 | $90,000 | $280,000 | $55,000 | $110,000 |
| Loan Purchased By The Institution | 33 | $3,917,000 | $118,000 | $252,000 | $46,000 | $135,000 |
| Application Approved But Not Accepted | 10 | $500,000 | $50,000 | $118,000 | $55,000 | $113,000 |
| File Closed For Incompleteness | 4 | $625,000 | $156,000 | $223,000 | $66,000 | $89,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $1,603,000 | $89,000 | $280,000 | $53,000 | $98,000 |
| Collateral | 7 | $878,000 | $125,000 | $205,000 | $83,000 | $110,000 |
| Debt-To-Income Ratio | 4 | $369,000 | $92,000 | $191,000 | $36,000 | $66,000 |
| Unverifiable Information | 1 | $69,000 | $69,000 | $69,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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