Sheridan County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 14 mortgage applications in Sheridan County, ND totaling $2.6 million, down 56% from 2020. The average application was for $184,000, and applicants reported an average income of $87,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was Dacotah Bank, with 2 applications, followed by First International Bank & Trust and Flagstar 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 | 14 |
| Total Mortgage Loan Application Amount | $2,580,000 |
| Average Mortgage Loan Application Amount | $184,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $188,000 |
Top Mortgage Lenders in Sheridan County, ND (2021)
Ranked by the number of mortgage applications each lender reported in Sheridan County, ND in 2021.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Dacotah Bank Aberdeen, SD |
2 | $400,000 | $200,000 | $65,000 |
| 2 | First International Bank & Trust Minot, ND |
1 | $275,000 | $275,000 | $73,000 |
| 3 | Flagstar Bank NA Troy, MI |
1 | $175,000 | $175,000 | $143,000 |
| 4 | Town and Country Credit Union Minot, ND |
1 | $265,000 | $265,000 | $82,000 |
| 5 | Gate City Bank Fargo, ND |
1 | $45,000 | $45,000 | $188,000 |
| 6 | Capital Credit Union Bismarck, ND |
1 | $215,000 | $215,000 | $53,000 |
| 7 | Better Mortgage Corporation New York, NY |
1 | $295,000 | $295,000 | $73,000 |
| 8 | Freedom Mortgage Corporation Boca Raton, FL |
1 | $135,000 | $135,000 | $0 |
| 9 | USAA Federal Savings Bank San Antonio, TX |
1 | $205,000 | $205,000 | $68,000 |
| 10 | Cardinal Financial Company, Li Charlotte, NC |
1 | $155,000 | $155,000 | $114,000 |
The tables below break down 2021 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 2021
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 | 6 | $1,290,000 | $215,000 | $265,000 | $78,000 | $114,000 |
| Refinancing | 5 | $865,000 | $173,000 | $295,000 | $77,000 | $143,000 |
| Cash-out Refinancing | 2 | $380,000 | $190,000 | $275,000 | $79,000 | $86,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $188,000 | $188,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 12 | $2,180,000 | $181,000 | $295,000 | $87,000 | $188,000 |
| Not applicable | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Not Provided | 1 | $135,000 | $135,000 | $135,000 | $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) | 11 | $2,085,000 | $189,000 | $295,000 | $86,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 2 | $340,000 | $170,000 | $205,000 | $68,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $155,000 | $155,000 | $155,000 | $114,000 | $114,000 |
| 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 | 7 | $1,245,000 | $177,000 | $275,000 | $82,000 | $188,000 |
| Application Denied By Financial Institution | 3 | $535,000 | $178,000 | $205,000 | $104,000 | $143,000 |
| Application Withdrawn By Applicant | 2 | $400,000 | $200,000 | $295,000 | $79,000 | $86,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Loan Purchased By The Institution | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 11 | $2,045,000 | $185,000 | $295,000 | $81,000 | $188,000 |
| Credit Application Incomplete | 2 | $330,000 | $165,000 | $175,000 | $128,000 | $143,000 |
| Debt-To-Income Ratio | 1 | $205,000 | $205,000 | $205,000 | $57,000 | $57,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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