Ramsey County, ND Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 328 mortgage applications in Ramsey County, ND totaling $31.2 million, down 10% from 2009. The average application was for $95,000, and applicants reported an average income of $71,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Gate City Bank, with 85 applications, followed by Bremer Bank NA (Fargo) 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 | 328 |
| Total Mortgage Loan Application Amount | $31,216,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $328,000 |
| 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 |
* | $ 1,146,346,000 | 85 | $ 6,421,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,475,384,000 | 26 | $ 2,769,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 26 | $ 2,740,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 203,315,000 | 26 | $ 1,791,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 23 | $ 2,617,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 20 | $ 1,367,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 416,536,000 | 20 | $ 1,432,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 19 | $ 2,319,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 10 | $ 1,405,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 907,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 830,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 1,126,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 539,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 5 | $ 514,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 221,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 990,482,000 | 2 | $ 199,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 2 | $ 103,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 400,815,000 | 2 | $ 227,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,652,838,000 | 2 | $ 404,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,120,512,000 | 2 | $ 254,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 749,809,000 | 2 | $ 137,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 147,169,000 | 2 | $ 287,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 548,226,000 | 1 | $ 250,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 20,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 215,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 74,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 493,146,000 | 1 | $ 230,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 1 | $ 70,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 42,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 315,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 545,135,000 | 1 | $ 25,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 86,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 159,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 1 | $ 10,000 |
The tables below break down 2010 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 2010
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 | 182 | $19,302,000 | $106,000 | $315,000 | $74,000 | $314,000 |
| Home Purchase | 111 | $10,637,000 | $95,000 | $325,000 | $65,000 | $298,000 |
| Home Improvement | 35 | $1,277,000 | $36,000 | $160,000 | $75,000 | $328,000 |
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 | 267 | $25,386,000 | $95,000 | $325,000 | $73,000 | $328,000 |
| Not Provided | 33 | $2,740,000 | $83,000 | $174,000 | $89,000 | $314,000 |
| Not applicable | 18 | $2,069,000 | $114,000 | $250,000 | $4,000 | $79,000 |
| American Indian or Alaskan Native | 4 | $421,000 | $105,000 | $250,000 | $89,000 | $190,000 |
| Black or African American | 3 | $323,000 | $107,000 | $117,000 | $102,000 | $127,000 |
| Hispanic | 2 | $107,000 | $53,000 | $73,000 | $33,000 | $47,000 |
| Asian | 1 | $170,000 | $170,000 | $170,000 | $31,000 | $31,000 |
| 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) | 254 | $22,673,000 | $89,000 | $325,000 | $75,000 | $328,000 |
| FHA-insured (Federal Housing Administration) | 58 | $6,135,000 | $105,000 | $210,000 | $54,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,408,000 | $150,000 | $315,000 | $65,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 197 | $18,315,000 | $92,000 | $325,000 | $78,000 | $328,000 |
| Application Denied By Financial Institution | 54 | $4,543,000 | $84,000 | $250,000 | $60,000 | $190,000 |
| Loan Purchased By The Institution | 34 | $4,652,000 | $136,000 | $315,000 | $54,000 | $314,000 |
| Application Withdrawn By Applicant | 31 | $2,464,000 | $79,000 | $230,000 | $58,000 | $192,000 |
| File Closed For Incompleteness | 6 | $623,000 | $103,000 | $145,000 | $116,000 | $269,000 |
| Application Approved But Not Accepted | 6 | $619,000 | $103,000 | $215,000 | $68,000 | $109,000 |
| 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 | 23 | $1,521,000 | $66,000 | $250,000 | $62,000 | $190,000 |
| Debt-To-Income Ratio | 16 | $1,690,000 | $105,000 | $208,000 | $40,000 | $85,000 |
| Collateral | 8 | $747,000 | $93,000 | $176,000 | $82,000 | $126,000 |
| Other | 2 | $260,000 | $130,000 | $140,000 | $83,000 | $103,000 |
| Employment History | 2 | $111,000 | $55,000 | $71,000 | $108,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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