Sargent County, ND Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 82 mortgage applications in Sargent County, ND totaling $7.0 million, down 13% from 2010. The average application was for $85,000, and applicants reported an average income of $80,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was First Community Credit Union, with 17 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 82 |
| Total Mortgage Loan Application Amount | $6,975,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $249,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $714,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 336,791,000 | 17 | $ 969,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 11 | $ 1,189,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 10 | $ 942,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 6 | $ 301,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 495,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 4 | $ 252,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,556,748,000 | 3 | $ 240,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 3 | $ 235,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 241,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 167,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 116,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 1 | $ 35,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 412,332,000 | 1 | $ 139,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 154,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 1 | $ 133,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 131,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 1 | $ 76,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 63,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 120,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 45,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 92,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 267,002,000 | 1 | $ 249,000 |
| Citizens State Bank PO BOX 255 FINLEY, ND 58230 |
* | $ 114,791,000 | 1 | $ 110,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,071,664,000 | 1 | $ 53,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 775,230,000 | 1 | $ 63,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,228,405,000 | 1 | $ 15,000 |
The tables below break down 2011 mortgage applications in Sargent 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 Sargent County, ND in 2011
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 | 41 | $4,591,000 | $111,000 | $249,000 | $92,000 | $688,000 |
| Home Purchase | 30 | $2,069,000 | $68,000 | $133,000 | $68,000 | $714,000 |
| Home Improvement | 11 | $315,000 | $28,000 | $71,000 | $69,000 | $99,000 |
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 | 77 | $6,433,000 | $83,000 | $249,000 | $84,000 | $714,000 |
| Not Provided | 3 | $381,000 | $127,000 | $139,000 | $48,000 | $69,000 |
| Not applicable | 2 | $161,000 | $80,000 | $116,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 57 | $4,633,000 | $81,000 | $249,000 | $88,000 | $714,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,561,000 | $97,000 | $183,000 | $69,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $518,000 | $74,000 | $131,000 | $44,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 2 | $263,000 | $131,000 | $139,000 | $67,000 | $73,000 |
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 | 46 | $3,387,000 | $73,000 | $249,000 | $84,000 | $714,000 |
| Application Denied By Financial Institution | 16 | $1,460,000 | $91,000 | $170,000 | $52,000 | $85,000 |
| Application Withdrawn By Applicant | 8 | $845,000 | $105,000 | $156,000 | $149,000 | $688,000 |
| Loan Purchased By The Institution | 7 | $904,000 | $129,000 | $249,000 | $57,000 | $110,000 |
| File Closed For Incompleteness | 3 | $275,000 | $91,000 | $106,000 | $47,000 | $58,000 |
| Application Approved But Not Accepted | 2 | $104,000 | $52,000 | $99,000 | $71,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $474,000 | $94,000 | $170,000 | $59,000 | $85,000 |
| Credit History | 4 | $317,000 | $79,000 | $159,000 | $43,000 | $73,000 |
| Debt-To-Income Ratio | 3 | $307,000 | $102,000 | $139,000 | $37,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $112,000 | $112,000 | $112,000 | $59,000 | $59,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $46,000 | $46,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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