Sheridan County, ND Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 24 mortgage applications in Sheridan County, ND totaling $3.5 million, up 60% from 2015. The average application was for $145,000, and applicants reported an average income of $54,000. 46% of applications resulted in an originated loan and 21% were denied. The most active lender was Railway Credit Union, with 3 applications, followed by First International Bank & Trust and Bravera Bank.
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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 | 24 |
| Total Mortgage Loan Application Amount | $3,503,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $283,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $112,000 |
Top Mortgage Lenders in Sheridan County, ND (2016)
Ranked by the number of mortgage applications each lender reported in Sheridan County, ND in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Railway Credit Union Mandan, ND |
3 | $187,000 | $62,000 | $65,000 |
| 2 | First International Bank & Trust Minot, ND |
2 | $416,000 | $208,000 | $54,000 |
| 3 | Bravera Bank Dickinson, ND |
1 | $191,000 | $191,000 | $60,000 |
| 4 | Premier Home Mortgage, Inc. Rapid City, SD |
1 | $216,000 | $216,000 | $78,000 |
| 5 | Pacific Union Financial, LLC Irving, TX |
1 | $134,000 | $134,000 | $0 |
| 6 | First Guaranty Mortgage Corporation Tysons Corner, VA |
1 | $216,000 | $216,000 | $64,000 |
| 7 | Ifreedom Direct Corporation Slc, UT |
1 | $109,000 | $109,000 | $70,000 |
| 8 | First Community Credit Union Jamestown, ND |
1 | $95,000 | $95,000 | $87,000 |
| 9 | Citizens Community Credit Unio Devils Lake, ND |
1 | $25,000 | $25,000 | $80,000 |
| 10 | Town and Country Credit Union Minot, ND |
1 | $234,000 | $234,000 | $112,000 |
The tables below break down 2016 mortgage applications in Sheridan 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 Sheridan County, ND in 2016
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 | 12 | $1,954,000 | $162,000 | $283,000 | $50,000 | $85,000 |
| Home Purchase | 11 | $1,524,000 | $138,000 | $234,000 | $57,000 | $112,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $80,000 | $80,000 |
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 | 16 | $1,962,000 | $122,000 | $283,000 | $59,000 | $112,000 |
| Not Provided | 5 | $890,000 | $178,000 | $216,000 | $57,000 | $78,000 |
| Not applicable | 3 | $651,000 | $217,000 | $283,000 | $26,000 | $79,000 |
| 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 Hawaiin 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) | 17 | $2,339,000 | $137,000 | $283,000 | $61,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,028,000 | $171,000 | $234,000 | $43,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $136,000 | $136,000 | $136,000 | $19,000 | $19,000 |
| FHA-insured (Federal Housing 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 | 11 | $1,314,000 | $119,000 | $283,000 | $64,000 | $112,000 |
| Application Denied By Financial Institution | 5 | $884,000 | $176,000 | $216,000 | $47,000 | $76,000 |
| Application Withdrawn By Applicant | 5 | $654,000 | $130,000 | $216,000 | $59,000 | $87,000 |
| Loan Purchased By The Institution | 3 | $651,000 | $217,000 | $283,000 | $26,000 | $79,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 2 | $432,000 | $216,000 | $216,000 | $56,000 | $64,000 |
| Debt-To-Income Ratio | 2 | $269,000 | $134,000 | $136,000 | $24,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $183,000 | $183,000 | $183,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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