Sargent County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 126 mortgage applications in Sargent County, ND totaling $10.4 million, up 29% from 2012. The average application was for $82,000, and applicants reported an average income of $68,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was US Bank, N.A., with 23 applications, followed by Bremer Bank NA (Fargo) 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 | 126 |
| Total Mortgage Loan Application Amount | $10,355,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $419,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 23 | $ 2,246,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,685,770,000 | 11 | $ 967,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 433,610,000 | 10 | $ 442,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 10 | $ 1,175,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,524,004,000 | 10 | $ 687,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 8 | $ 441,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 7 | $ 362,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 978,576,000 | 6 | $ 427,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 368,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 4 | $ 280,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 320,442,000 | 4 | $ 447,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 3 | $ 59,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 366,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,608,821,000 | 3 | $ 296,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 184,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 196,979,000 | 2 | $ 28,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 256,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 84,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 1 | $ 202,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 1 | $ 103,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 250,475,000 | 1 | $ 24,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 49,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 56,000 |
The tables below break down 2013 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 2013
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 | 52 | $4,695,000 | $90,000 | $250,000 | $64,000 | $215,000 |
| Refinancing | 51 | $4,687,000 | $91,000 | $202,000 | $62,000 | $211,000 |
| Home Improvement | 23 | $973,000 | $42,000 | $192,000 | $92,000 | $419,000 |
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 | 97 | $7,695,000 | $79,000 | $250,000 | $76,000 | $419,000 |
| Not applicable | 18 | $1,896,000 | $105,000 | $186,000 | $24,000 | $167,000 |
| Not Provided | 9 | $548,000 | $60,000 | $182,000 | $76,000 | $113,000 |
| American Indian or Alaskan Native | 1 | $186,000 | $186,000 | $186,000 | $83,000 | $83,000 |
| Hispanic | 1 | $30,000 | $30,000 | $30,000 | $80,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 102 | $8,065,000 | $79,000 | $250,000 | $75,000 | $419,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,675,000 | $98,000 | $166,000 | $37,000 | $87,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $327,000 | $81,000 | $128,000 | $34,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 3 | $288,000 | $96,000 | $104,000 | $61,000 | $92,000 |
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 | 71 | $5,353,000 | $75,000 | $250,000 | $81,000 | $419,000 |
| Loan Purchased By The Institution | 21 | $2,202,000 | $104,000 | $186,000 | $30,000 | $167,000 |
| Application Denied By Financial Institution | 20 | $1,743,000 | $87,000 | $188,000 | $59,000 | $106,000 |
| Application Withdrawn By Applicant | 11 | $740,000 | $67,000 | $166,000 | $78,000 | $167,000 |
| Application Approved But Not Accepted | 2 | $231,000 | $115,000 | $168,000 | $74,000 | $95,000 |
| File Closed For Incompleteness | 1 | $86,000 | $86,000 | $86,000 | $46,000 | $46,000 |
| 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 | 8 | $735,000 | $91,000 | $188,000 | $67,000 | $106,000 |
| Credit History | 3 | $186,000 | $62,000 | $71,000 | $56,000 | $67,000 |
| Credit Application Incomplete | 2 | $134,000 | $67,000 | $77,000 | $33,000 | $67,000 |
| Other | 2 | $102,000 | $51,000 | $62,000 | $72,000 | $102,000 |
| Unverifiable Information | 1 | $160,000 | $160,000 | $160,000 | $62,000 | $62,000 |
| Debt-To-Income Ratio | 1 | $83,000 | $83,000 | $83,000 | $40,000 | $40,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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