Richland County, ND Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 690 mortgage applications in Richland County, ND totaling $78.4 million, up 21% from 2011. The average application was for $113,000, and applicants reported an average income of $69,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 143 applications, followed by US Bank, N.A. and Gate City 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 | 690 |
| Total Mortgage Loan Application Amount | $78,418,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $1,680,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $691,000 |
* 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 MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 143 | $ 16,248,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 72 | $ 10,236,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,403,013,000 | 69 | $ 5,229,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 381,178,000 | 64 | $ 4,851,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,226,619,000 | 59 | $ 6,521,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 32 | $ 3,819,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 31 | $ 2,067,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 439,564,000 | 29 | $ 4,168,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 21 | $ 1,703,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 17 | $ 2,700,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 296,912,000 | 12 | $ 1,340,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,182,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 266,422,000 | 11 | $ 1,753,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,154,398,000 | 10 | $ 1,411,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,562,058,000 | 7 | $ 705,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 6 | $ 716,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 6 | $ 670,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 457,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,088,724,000 | 6 | $ 2,432,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 5 | $ 624,000 |
| Riverwood Bank 14091 BAXTER DR #117 BAXTER, MN 56425 |
* | $ 162,319,000 | 4 | $ 214,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 3 | $ 45,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 283,605,000 | 3 | $ 1,426,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 69,906,000 | 3 | $ 411,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 162,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 3 | $ 431,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 335,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 3 | $ 426,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 3 | $ 426,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 566,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 192,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 226,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 190,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 242,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 150,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 235,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 11,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 61,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 896,529,000 | 1 | $ 146,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 515,461,000 | 1 | $ 257,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 471,627,000 | 1 | $ 42,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 488,840,000 | 1 | $ 36,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 120,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,459,365,000 | 1 | $ 138,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 144,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 65,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 98,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 1 | $ 37,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 1 | $ 151,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 389,000,000 | 1 | $ 16,000 |
| Aires Mortgage Solutions, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 1 | $ 188,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 143,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 180,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 924,641,000 | 1 | $ 565,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 140,214,000 | 1 | $ 50,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 224,000 |
The tables below break down 2012 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 2012
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 | 408 | $48,693,000 | $119,000 | $950,000 | $77,000 | $509,000 |
| Home Purchase | 211 | $26,773,000 | $126,000 | $1,680,000 | $51,000 | $290,000 |
| Home Improvement | 71 | $2,952,000 | $41,000 | $165,000 | $78,000 | $691,000 |
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 | 575 | $63,660,000 | $110,000 | $1,680,000 | $76,000 | $691,000 |
| Not applicable | 75 | $11,352,000 | $151,000 | $1,656,000 | $5,000 | $286,000 |
| Not Provided | 29 | $2,149,000 | $74,000 | $168,000 | $79,000 | $446,000 |
| Hispanic | 5 | $632,000 | $126,000 | $166,000 | $69,000 | $82,000 |
| American Indian or Alaskan Native | 3 | $156,000 | $52,000 | $75,000 | $169,000 | $442,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $137,000 | $68,000 | $112,000 | $120,000 | $192,000 |
| Black or African American | 1 | $332,000 | $332,000 | $332,000 | $156,000 | $156,000 |
| 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) | 504 | $58,776,000 | $116,000 | $1,680,000 | $77,000 | $691,000 |
| FHA-insured (Federal Housing Administration) | 110 | $11,857,000 | $107,000 | $238,000 | $50,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $4,383,000 | $89,000 | $176,000 | $41,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 27 | $3,402,000 | $126,000 | $275,000 | $57,000 | $171,000 |
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 | 399 | $47,286,000 | $118,000 | $1,680,000 | $77,000 | $691,000 |
| Loan Purchased By The Institution | 106 | $13,075,000 | $123,000 | $344,000 | $29,000 | $286,000 |
| Application Denied By Financial Institution | 95 | $8,346,000 | $87,000 | $379,000 | $77,000 | $419,000 |
| Application Withdrawn By Applicant | 58 | $6,382,000 | $110,000 | $275,000 | $60,000 | $183,000 |
| Application Approved But Not Accepted | 24 | $2,518,000 | $104,000 | $253,000 | $96,000 | $446,000 |
| File Closed For Incompleteness | 8 | $811,000 | $101,000 | $179,000 | $55,000 | $104,000 |
| 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 | 35 | $2,145,000 | $61,000 | $193,000 | $66,000 | $192,000 |
| Collateral | 23 | $2,779,000 | $120,000 | $379,000 | $125,000 | $419,000 |
| Debt-To-Income Ratio | 13 | $1,420,000 | $109,000 | $276,000 | $33,000 | $71,000 |
| Other | 8 | $774,000 | $96,000 | $141,000 | $83,000 | $158,000 |
| Credit Application Incomplete | 7 | $672,000 | $96,000 | $163,000 | $89,000 | $139,000 |
| Unverifiable Information | 2 | $145,000 | $72,000 | $113,000 | $27,000 | $35,000 |
| Employment History | 1 | $63,000 | $63,000 | $63,000 | $74,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $63,000 | $63,000 | $63,000 | $53,000 | $53,000 |
| 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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