Richland County, ND Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 637 mortgage applications in Richland County, ND totaling $70.1 million, down 7% from 2009. The average application was for $110,000, and applicants reported an average income of $68,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank, NA, with 171 applications, followed by Gate City Bank and Bell Bank.
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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 | 637 |
| Total Mortgage Loan Application Amount | $70,104,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,185,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $569,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 171 | $ 17,502,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,146,346,000 | 59 | $ 4,868,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,967,973,000 | 57 | $ 5,970,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 36 | $ 4,985,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 31 | $ 3,646,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 30 | $ 2,646,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 323,323,000 | 30 | $ 1,561,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 27 | $ 3,384,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 18 | $ 2,939,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 15 | $ 1,920,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 15 | $ 1,259,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 13 | $ 1,612,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 400,815,000 | 11 | $ 1,400,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,475,384,000 | 9 | $ 1,121,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 8 | $ 803,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 361,363,000 | 7 | $ 1,057,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,120,512,000 | 6 | $ 797,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 837,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 267,000 |
| Riverwood Bank 14091 BAXTER DR #117 BAXTER, MN 56425 |
* | $ 183,164,000 | 5 | $ 421,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 226,806,000 | 5 | $ 866,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 731,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 4 | $ 679,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 3 | $ 303,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 387,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 990,482,000 | 3 | $ 560,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 588,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 2 | $ 232,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 2 | $ 330,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 2 | $ 280,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 2 | $ 234,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 198,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 60,597,000 | 2 | $ 149,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 138,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 203,315,000 | 2 | $ 230,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 416,536,000 | 2 | $ 1,052,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 545,135,000 | 1 | $ 165,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 252,949,000 | 1 | $ 83,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 77,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 131,041,000 | 1 | $ 146,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 137,680,000 | 1 | $ 202,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 84,748,000 | 1 | $ 142,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 100,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,108,831,000 | 1 | $ 36,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 852,055,000 | 1 | $ 169,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 53,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 144,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 219,000 |
| Bank of Kansas City P.O. BOX 2300 TULSA, OK 74192 |
* | $ 140,357,000 | 1 | $ 39,000 |
| River City Mortgage and Financ 5001 AMERICAN BLVD SUITE 1000 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 112,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 62,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 115,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 119,000 |
The tables below break down 2010 mortgage applications in Richland 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 Richland 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 | 401 | $49,026,000 | $122,000 | $1,185,000 | $74,000 | $569,000 |
| Home Purchase | 166 | $18,348,000 | $110,000 | $810,000 | $55,000 | $360,000 |
| Home Improvement | 70 | $2,730,000 | $39,000 | $300,000 | $68,000 | $497,000 |
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 | 553 | $58,478,000 | $105,000 | $645,000 | $73,000 | $569,000 |
| Not applicable | 39 | $7,154,000 | $183,000 | $1,185,000 | $0 | $0 |
| Not Provided | 37 | $3,713,000 | $100,000 | $300,000 | $59,000 | $194,000 |
| American Indian or Alaskan Native | 2 | $193,000 | $96,000 | $110,000 | $65,000 | $108,000 |
| Hispanic | 2 | $150,000 | $75,000 | $125,000 | $87,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $250,000 | $125,000 | $237,000 | $71,000 | $103,000 |
| Asian | 1 | $162,000 | $162,000 | $162,000 | $360,000 | $360,000 |
| Black or African American | 1 | $4,000 | $4,000 | $4,000 | $12,000 | $12,000 |
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) | 462 | $50,643,000 | $109,000 | $1,185,000 | $75,000 | $569,000 |
| FHA-insured (Federal Housing Administration) | 139 | $14,966,000 | $107,000 | $277,000 | $52,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,930,000 | $154,000 | $306,000 | $55,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,565,000 | $92,000 | $230,000 | $46,000 | $88,000 |
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 | 356 | $38,719,000 | $108,000 | $1,185,000 | $79,000 | $569,000 |
| Application Denied By Financial Institution | 104 | $10,673,000 | $102,000 | $325,000 | $58,000 | $180,000 |
| Loan Purchased By The Institution | 75 | $9,055,000 | $120,000 | $261,000 | $37,000 | $209,000 |
| Application Withdrawn By Applicant | 70 | $8,663,000 | $123,000 | $417,000 | $68,000 | $470,000 |
| Application Approved But Not Accepted | 20 | $1,739,000 | $86,000 | $320,000 | $65,000 | $190,000 |
| File Closed For Incompleteness | 12 | $1,255,000 | $104,000 | $242,000 | $58,000 | $120,000 |
| 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 | 29 | $2,469,000 | $85,000 | $323,000 | $67,000 | $180,000 |
| Debt-To-Income Ratio | 23 | $2,743,000 | $119,000 | $256,000 | $44,000 | $85,000 |
| Collateral | 19 | $2,799,000 | $147,000 | $325,000 | $67,000 | $111,000 |
| Other | 7 | $616,000 | $88,000 | $200,000 | $61,000 | $87,000 |
| Credit Application Incomplete | 4 | $327,000 | $81,000 | $140,000 | $61,000 | $129,000 |
| Unverifiable Information | 1 | $151,000 | $151,000 | $151,000 | $61,000 | $61,000 |
| Employment History | 1 | $30,000 | $30,000 | $30,000 | $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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