Ramsey County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 348 mortgage applications in Ramsey County, ND totaling $43.2 million, down 10% from 2013. The average application was for $124,000, and applicants reported an average income of $79,000. 68% of applications resulted in an originated loan and 11% were denied. The most active lender was Western State Bank, with 60 applications, followed by Gate City Bank 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 | 348 |
| Total Mortgage Loan Application Amount | $43,210,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $986,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $1,109,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 688,805,000 | 60 | $ 8,795,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 59 | $ 4,329,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 48 | $ 7,711,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,129,209,000 | 27 | $ 2,170,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 25 | $ 3,269,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 259,591,000 | 22 | $ 1,463,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 17 | $ 2,852,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 9 | $ 915,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 1,423,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 8 | $ 1,488,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 7 | $ 815,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 745,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 472,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 656,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 157,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 2 | $ 425,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 2 | $ 206,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 358,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 96,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 15,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 98,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 233,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 130,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 232,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 125,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 1 | $ 200,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 653,119,000 | 1 | $ 145,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 175,766,000 | 1 | $ 73,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,630,992,000 | 1 | $ 133,000 |
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 75,586,000 | 1 | $ 68,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 490,836,000 | 1 | $ 280,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 371,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 27,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 371,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 83,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 247,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 672,943,000 | 1 | $ 133,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 227,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 15,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 208,575,000 | 1 | $ 134,000 |
The tables below break down 2014 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 2014
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 | 181 | $25,511,000 | $140,000 | $986,000 | $76,000 | $469,000 |
| Refinancing | 120 | $16,271,000 | $135,000 | $380,000 | $83,000 | $1,109,000 |
| Home Improvement | 47 | $1,428,000 | $30,000 | $122,000 | $79,000 | $288,000 |
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 | 262 | $30,531,000 | $116,000 | $417,000 | $90,000 | $1,109,000 |
| Not applicable | 51 | $9,794,000 | $192,000 | $986,000 | $1,000 | $80,000 |
| Not Provided | 28 | $2,202,000 | $78,000 | $371,000 | $123,000 | $913,000 |
| American Indian or Alaskan Native | 3 | $338,000 | $112,000 | $142,000 | $40,000 | $92,000 |
| Black or African American | 2 | $133,000 | $66,000 | $103,000 | $97,000 | $97,000 |
| Hispanic | 2 | $212,000 | $106,000 | $144,000 | $36,000 | $73,000 |
| 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) | 263 | $32,158,000 | $122,000 | $986,000 | $90,000 | $1,109,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,515,000 | $106,000 | $268,000 | $37,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,761,000 | $174,000 | $362,000 | $62,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,776,000 | $93,000 | $151,000 | $33,000 | $61,000 |
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 | 235 | $27,369,000 | $116,000 | $986,000 | $90,000 | $913,000 |
| Loan Purchased By The Institution | 48 | $8,107,000 | $168,000 | $380,000 | $4,000 | $143,000 |
| Application Denied By Financial Institution | 39 | $4,265,000 | $109,000 | $370,000 | $70,000 | $234,000 |
| Application Withdrawn By Applicant | 20 | $2,402,000 | $120,000 | $329,000 | $92,000 | $329,000 |
| Application Approved But Not Accepted | 4 | $377,000 | $94,000 | $135,000 | $91,000 | $151,000 |
| File Closed For Incompleteness | 2 | $690,000 | $345,000 | $362,000 | $588,000 | $1,109,000 |
| 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 | 9 | $527,000 | $58,000 | $133,000 | $68,000 | $135,000 |
| Collateral | 7 | $749,000 | $107,000 | $244,000 | $95,000 | $163,000 |
| Other | 4 | $685,000 | $171,000 | $314,000 | $55,000 | $98,000 |
| Credit Application Incomplete | 3 | $285,000 | $95,000 | $115,000 | $37,000 | $76,000 |
| Debt-To-Income Ratio | 3 | $233,000 | $77,000 | $192,000 | $56,000 | $63,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $56,000 | $56,000 |
| 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 |
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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