Sargent County, ND Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 91 mortgage applications in Sargent County, ND totaling $13.6 million, down 40% from 2021. The average application was for $149,000, and applicants reported an average income of $87,000. 47% of applications resulted in an originated loan and 13% were denied. The most active lender was First Community Credit Union, with 16 applications, followed by First Savings Bank and United Wholesale Mortgage.
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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 | 91 |
| Total Mortgage Loan Application Amount | $13,585,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $412,000 |
| 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 |
* | $ 1,060,912,000 | 16 | $ 1,890,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 5 | $ 625,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 1,085,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 1,135,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,168,170,000 | 4 | $ 530,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 4 | $ 350,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 16,499,164,000 | 3 | $ 685,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 495,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 3 | $ 545,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 3 | $ 215,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 160,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 130,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 170,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 2 | $ 340,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 2 | $ 340,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 330,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 2 | $ 560,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,755,068,000 | 2 | $ 450,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 637,988,000 | 2 | $ 270,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 200,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 26,812,859,000 | 1 | $ 75,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 75,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,046,578,000 | 1 | $ 85,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 175,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 15,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 1 | $ 135,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 275,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 185,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 145,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 3,746,301,000 | 1 | $ 215,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2022 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 2022
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 | 36 | $6,100,000 | $169,000 | $325,000 | $101,000 | $412,000 |
| Cash-out Refinancing | 27 | $3,035,000 | $112,000 | $245,000 | $61,000 | $141,000 |
| Refinancing | 18 | $3,870,000 | $215,000 | $485,000 | $90,000 | $242,000 |
| Home Improvement | 8 | $510,000 | $63,000 | $125,000 | $113,000 | $259,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $55,000 | $98,000 | $136,000 |
| 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 | 63 | $8,695,000 | $138,000 | $345,000 | $85,000 | $412,000 |
| Not Provided | 13 | $2,205,000 | $169,000 | $485,000 | $102,000 | $242,000 |
| Not applicable | 11 | $2,265,000 | $205,000 | $325,000 | $102,000 | $153,000 |
| Hispanic | 3 | $335,000 | $111,000 | $155,000 | $62,000 | $68,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $84,000 | $84,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 73 | $10,595,000 | $145,000 | $485,000 | $87,000 | $259,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,730,000 | $173,000 | $285,000 | $68,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 6 | $870,000 | $145,000 | $275,000 | $114,000 | $412,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $390,000 | $195,000 | $235,000 | $80,000 | $80,000 |
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 | 43 | $7,045,000 | $163,000 | $485,000 | $100,000 | $412,000 |
| Application Withdrawn By Applicant | 14 | $1,920,000 | $137,000 | $285,000 | $74,000 | $134,000 |
| Application Denied By Financial Institution | 12 | $1,030,000 | $85,000 | $275,000 | $84,000 | $182,000 |
| File Closed For Incompleteness | 11 | $1,425,000 | $129,000 | $215,000 | $62,000 | $149,000 |
| Loan Purchased By The Institution | 10 | $2,040,000 | $204,000 | $325,000 | $102,000 | $153,000 |
| Application Approved But Not Accepted | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
| 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 | 79 | $12,555,000 | $158,000 | $485,000 | $88,000 | $412,000 |
| Credit History | 7 | $425,000 | $60,000 | $135,000 | $86,000 | $182,000 |
| Debt-To-Income Ratio | 2 | $210,000 | $105,000 | $175,000 | $65,000 | $82,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $72,000 | $72,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 1 | $275,000 | $275,000 | $275,000 | $140,000 | $140,000 |
| 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 |
| 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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