Richland County, ND Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 394 mortgage applications in Richland County, ND totaling $64.9 million, down 27% from 2022. The average application was for $164,000, and applicants reported an average income of $96,000. 69% of applications resulted in an originated loan and 11% were denied. The most active lender was Gate City Bank, with 76 applications, followed by Bell Bank and First Community Credit Union.
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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 | 394 |
| Total Mortgage Loan Application Amount | $64,900,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $3,015,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $620,000 |
* 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 |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 76 | $ 9,390,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 61 | $ 6,045,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 1,195,944,000 | 35 | $ 4,945,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 15,939,263,000 | 31 | $ 4,705,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 20 | $ 4,150,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 14 | $ 2,100,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 980,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 635,992,000 | 6 | $ 720,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 835,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 5 | $ 265,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 370,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 4 | $ 930,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 800,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 640,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 4,229,093,000 | 4 | $ 880,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 4 | $ 270,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 4 | $ 780,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 640,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 430,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 1,080,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 4,910,204,000 | 3 | $ 565,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 615,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 125,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 724,151,000 | 3 | $ 185,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 285,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 3 | $ 655,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 575,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 2,022,880,000 | 2 | $ 720,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 300,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 150,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 300,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 885,269,000 | 2 | $ 2,910,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 350,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 704,321,000 | 2 | $ 530,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 170,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 711,527,000 | 2 | $ 2,710,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 70,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 1,304,394,000 | 2 | $ 240,000 |
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ 676,375,000 | 2 | $ 3,400,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 260,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 2 | $ 300,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 252,801,000 | 2 | $ 780,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 95,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ 1,371,445,000 | 1 | $ 5,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 225,000 |
| Community Development Bank, FSB 516 MAIN ST OGEMA, MN 56569 |
* | $ 195,942,000 | 1 | $ 85,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 95,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 225,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 1 | $ 225,000 |
| Great River Federal CU 1532 W ST GERMAIN STREET ST CLOUD, MN 56301 |
* | $ 339,200,000 | 1 | $ 335,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,801,604,000 | 1 | $ 215,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 1 | $ 165,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 1 | $ 135,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 4,078,225,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ 2,613,205,000 | 1 | $ 385,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 162,148,000 | 1 | $ 85,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 45,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 225,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 235,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 75,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 91,580,361,000 | 1 | $ 65,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 175,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 170,957,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 255,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2023 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 2023
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 | 171 | $38,325,000 | $224,000 | $2,765,000 | $98,000 | $620,000 |
| Home Improvement | 83 | $4,925,000 | $59,000 | $335,000 | $97,000 | $603,000 |
| Other Purpose | 54 | $3,460,000 | $64,000 | $245,000 | $93,000 | $322,000 |
| Cash-out Refinancing | 49 | $8,075,000 | $164,000 | $685,000 | $90,000 | $226,000 |
| Refinancing | 37 | $10,115,000 | $273,000 | $3,015,000 | $95,000 | $197,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 286 | $41,540,000 | $145,000 | $645,000 | $96,000 | $603,000 |
| Not Provided | 47 | $5,625,000 | $119,000 | $465,000 | $104,000 | $620,000 |
| Not applicable | 45 | $15,975,000 | $355,000 | $3,015,000 | $117,000 | $117,000 |
| Hispanic | 8 | $620,000 | $77,000 | $225,000 | $70,000 | $177,000 |
| American Indian or Alaskan Native | 7 | $455,000 | $65,000 | $215,000 | $48,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $685,000 | $685,000 | $685,000 | $161,000 | $161,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 326 | $51,570,000 | $158,000 | $3,015,000 | $99,000 | $620,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,915,000 | $175,000 | $325,000 | $78,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,930,000 | $246,000 | $545,000 | $86,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $485,000 | $161,000 | $255,000 | $64,000 | $109,000 |
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 | 273 | $46,885,000 | $171,000 | $2,765,000 | $99,000 | $603,000 |
| Application Denied By Financial Institution | 45 | $4,705,000 | $104,000 | $255,000 | $73,000 | $322,000 |
| Application Withdrawn By Applicant | 34 | $7,490,000 | $220,000 | $3,015,000 | $101,000 | $620,000 |
| Loan Purchased By The Institution | 23 | $3,815,000 | $165,000 | $305,000 | $96,000 | $117,000 |
| File Closed For Incompleteness | 10 | $1,040,000 | $104,000 | $215,000 | $97,000 | $222,000 |
| Application Approved But Not Accepted | 9 | $965,000 | $107,000 | $215,000 | $84,000 | $141,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 342 | $53,270,000 | $155,000 | $1,355,000 | $99,000 | $620,000 |
| Debt-To-Income Ratio | 20 | $8,160,000 | $408,000 | $3,015,000 | $89,000 | $322,000 |
| Credit History | 17 | $1,545,000 | $90,000 | $245,000 | $60,000 | $122,000 |
| Collateral | 6 | $540,000 | $90,000 | $205,000 | $68,000 | $137,000 |
| Credit Application Incomplete | 6 | $790,000 | $131,000 | $225,000 | $85,000 | $192,000 |
| Other | 1 | $255,000 | $255,000 | $255,000 | $109,000 | $109,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $215,000 | $215,000 | $215,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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