Rolette County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 193 mortgage applications in Rolette County, ND totaling $13.2 million, up 2% from 2014. The average application was for $68,000, and applicants reported an average income of $58,000. 51% of applications resulted in an originated loan and 26% were denied. The most active lender was Starion Bank, with 66 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 | 193 |
| Total Mortgage Loan Application Amount | $13,202,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $216,000 |
| 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 |
* | $ 1,107,155,000 | 66 | $ 2,461,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,166,657,000 | 36 | $ 2,121,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 10 | $ 911,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 9 | $ 1,078,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 729,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 889,163,000 | 6 | $ 468,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 305,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 326,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,771,679,000 | 4 | $ 267,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 108,323,000 | 3 | $ 587,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 594,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 266,273,000 | 2 | $ 69,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 186,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 76,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 113,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 593,777,000 | 1 | $ 178,000 |
| Department of the Interior FCU 12201 SUNRISE VALLEY DR WASHINGTON, DC 20240 |
* | $ 148,146,000 | 1 | $ 8,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 202,275,000 | 1 | $ 78,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 178,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 79,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 1 | $ 52,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,017,998,000 | 1 | $ 144,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 70,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 47,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 131,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 573,850,000 | 1 | $ 86,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 755,957,000 | 1 | $ 25,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 100,000 |
| Horizon Financial Bank 416 MAIN ST MUNICH, ND 58352 |
* | $ 139,704,000 | 1 | $ 78,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 67,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 33,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 51,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 58,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 60,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 1 | $ 76,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 59,000 |
The tables below break down 2015 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 2015
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 | 79 | $7,443,000 | $94,000 | $275,000 | $65,000 | $216,000 |
| Home Improvement | 68 | $1,404,000 | $20,000 | $272,000 | $53,000 | $210,000 |
| Refinancing | 46 | $4,355,000 | $94,000 | $275,000 | $54,000 | $123,000 |
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 | 117 | $6,582,000 | $56,000 | $275,000 | $56,000 | $169,000 |
| White | 53 | $4,538,000 | $85,000 | $275,000 | $66,000 | $216,000 |
| Not Provided | 13 | $1,110,000 | $85,000 | $220,000 | $55,000 | $150,000 |
| Not applicable | 8 | $870,000 | $108,000 | $244,000 | $26,000 | $103,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $97,000 | $97,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $42,000 | $42,000 | $42,000 | $151,000 | $151,000 |
| 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) | 148 | $8,296,000 | $56,000 | $275,000 | $60,000 | $216,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,975,000 | $120,000 | $275,000 | $56,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 8 | $657,000 | $82,000 | $170,000 | $57,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $274,000 | $68,000 | $71,000 | $33,000 | $59,000 |
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 | 99 | $5,802,000 | $58,000 | $275,000 | $61,000 | $216,000 |
| Application Denied By Financial Institution | 51 | $3,011,000 | $59,000 | $273,000 | $49,000 | $129,000 |
| Application Withdrawn By Applicant | 21 | $2,156,000 | $102,000 | $275,000 | $70,000 | $169,000 |
| Application Approved But Not Accepted | 9 | $868,000 | $96,000 | $153,000 | $66,000 | $94,000 |
| Loan Purchased By The Institution | 9 | $1,021,000 | $113,000 | $244,000 | $52,000 | $216,000 |
| File Closed For Incompleteness | 4 | $344,000 | $86,000 | $146,000 | $42,000 | $79,000 |
| 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 | 6 | $132,000 | $22,000 | $90,000 | $42,000 | $120,000 |
| Collateral | 3 | $323,000 | $107,000 | $213,000 | $80,000 | $115,000 |
| Debt-To-Income Ratio | 2 | $134,000 | $67,000 | $95,000 | $69,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $147,000 | $73,000 | $86,000 | $24,000 | $48,000 |
| Other | 2 | $325,000 | $162,000 | $273,000 | $80,000 | $129,000 |
| Unverifiable Information | 1 | $47,000 | $47,000 | $47,000 | $37,000 | $37,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 1 | $178,000 | $178,000 | $178,000 | $95,000 | $95,000 |
| 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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