Rolette County, ND Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 191 mortgage applications in Rolette County, ND totaling $7.7 million, up 101% from 2011. The average application was for $40,000, and applicants reported an average income of $51,000. 75% of applications resulted in an originated loan and 14% were denied. The most active lender was Starion Bank, with 94 applications, followed by Dacotah Bank and Wells Fargo Bank NA.
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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 | 191 |
| Total Mortgage Loan Application Amount | $7,676,000 |
| Average Mortgage Loan Application Amount | $40,000 |
| Highest Mortgage Loan Application Amount | $207,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $183,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 924,641,000 | 94 | $ 1,560,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,902,620,000 | 38 | $ 1,067,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 21 | $ 2,279,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,403,013,000 | 4 | $ 203,000 |
| Department of the Interior FCU 12201 SUNRISE VALLEY DR WASHINGTON, DC 20240 |
* | $ 132,704,000 | 3 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 3 | $ 192,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 896,529,000 | 3 | $ 176,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 191,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,562,058,000 | 2 | $ 115,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 130,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 241,087,000 | 1 | $ 115,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 199,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,534,000 | 1 | $ 90,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 89,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 1 | $ 98,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 47,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 15,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 76,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 115,000 |
| Xceed Financial 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 756,147,000 | 1 | $ 10,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 381,178,000 | 1 | $ 138,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 296,912,000 | 1 | $ 39,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 1 | $ 101,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 593,779,000 | 1 | $ 23,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 58,000 |
The tables below break down 2012 mortgage applications in Rolette 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 Rolette 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 105 | $964,000 | $9,000 | $102,000 | $48,000 | $183,000 |
| Home Purchase | 44 | $3,020,000 | $68,000 | $188,000 | $52,000 | $127,000 |
| Refinancing | 42 | $3,692,000 | $87,000 | $207,000 | $57,000 | $146,000 |
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 |
|---|---|---|---|---|---|---|
| American Indian or Alaskan Native | 132 | $3,569,000 | $27,000 | $207,000 | $48,000 | $183,000 |
| White | 46 | $3,353,000 | $72,000 | $199,000 | $62,000 | $146,000 |
| Not Provided | 7 | $305,000 | $43,000 | $86,000 | $58,000 | $78,000 |
| Not applicable | 4 | $284,000 | $71,000 | $131,000 | $0 | $0 |
| Asian | 1 | $50,000 | $50,000 | $50,000 | $41,000 | $41,000 |
| Hispanic | 1 | $115,000 | $115,000 | $115,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 163 | $4,914,000 | $30,000 | $199,000 | $52,000 | $183,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,403,000 | $104,000 | $207,000 | $45,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $359,000 | $71,000 | $138,000 | $37,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 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 | 144 | $4,766,000 | $33,000 | $207,000 | $52,000 | $183,000 |
| Application Denied By Financial Institution | 27 | $1,334,000 | $49,000 | $197,000 | $44,000 | $127,000 |
| Application Approved But Not Accepted | 7 | $504,000 | $72,000 | $155,000 | $59,000 | $120,000 |
| Application Withdrawn By Applicant | 6 | $621,000 | $103,000 | $199,000 | $63,000 | $123,000 |
| Loan Purchased By The Institution | 6 | $436,000 | $72,000 | $131,000 | $31,000 | $122,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $72,000 | $72,000 |
| 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 | 5 | $255,000 | $51,000 | $115,000 | $52,000 | $78,000 |
| Debt-To-Income Ratio | 2 | $277,000 | $138,000 | $197,000 | $61,000 | $72,000 |
| Unverifiable Information | 2 | $177,000 | $88,000 | $98,000 | $15,000 | $31,000 |
| Credit Application Incomplete | 1 | $76,000 | $76,000 | $76,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 1 | $60,000 | $60,000 | $60,000 | $25,000 | $25,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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