Stark County, ND Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,278 mortgage applications in Stark County, ND totaling $323.0 million, up 23% from 2024. The average application was for $252,000, and applicants reported an average income of $127,000. 56% of applications resulted in an originated loan and 12% were denied. The most active lender was Gate City Bank, with 139 applications, followed by Dakota Community Bank & Trust, NA 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 1,278
Total Mortgage Loan Application Amount $323,040,000
Average Mortgage Loan Application Amount $252,000
Highest Mortgage Loan Application Amount $7,095,000
Average Applicant Income $127,000
Highest Applicant Income $1,600,000

Mortgage Company List for Lending in Stark County, ND for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ n/a 139 $ 22,995,000
Dakota Community Bank & Trust, NA
608 MAIN STREET
HEBRON, ND 58638
* $ n/a 112 $ 38,310,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ n/a 65 $ 18,685,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 65 $ 16,255,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ n/a 65 $ 18,685,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 58 $ 18,830,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 53 $ 2,845,000
Western Cooperative Credit Union
PO BOX 2237/1300 BISON DR
WILLISTON, ND 58801
* $ n/a 50 $ 8,200,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 47 $ 14,185,000
Granite Bank
202 2ND AVENUE SOUTH, P.O. BOX 416
COLD SPRING, MN 56320
* $ n/a 43 $ 12,365,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 39 $ 8,845,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 37 $ 11,835,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 31 $ 9,795,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 30 $ 9,580,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 25 $ 6,265,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 25 $ 7,935,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ n/a 21 $ 3,725,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 20 $ 5,760,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 18 $ 5,900,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 16 $ 2,140,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 15 $ 4,435,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 15 $ 4,765,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 14 $ 1,700,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 14 $ 4,160,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 12 $ 3,140,000
Cornerstone Bank
2280 45TH STREET SOUTH
FARGO, ND 58104
* $ n/a 12 $ 1,630,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 12 $ 1,930,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 12 $ 3,030,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ n/a 12 $ 2,090,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ n/a 11 $ 1,665,000
Kirkwood Bank & Trust Co.
2911 N 14TH STREET
BISMARCK, ND 58503
* $ n/a 10 $ 3,720,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 10 $ 2,800,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 8 $ 2,490,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 8 $ 2,220,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 8 $ 2,360,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 7 $ 2,085,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 7 $ 1,925,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ n/a 7 $ 1,145,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 7 $ 405,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 7 $ 395,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 6 $ 490,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 6 $ 1,030,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 5 $ 1,815,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 1,035,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 2,005,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 1,270,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 4 $ 1,540,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 510,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 1,230,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 4 $ 480,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 4 $ 2,010,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 3 $ 1,105,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 490,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 120,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 480,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ n/a 2 $ 820,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 2 $ 470,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 740,000
Security First Bank of North Dakota
700 ASH AVENUE
NEW SALEM, ND 58563
* $ n/a 2 $ 120,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 2 $ 470,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 2 $ 850,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 810,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 2 $ 310,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 890,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 400,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 280,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 2 $ 540,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 130,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 2 $ 610,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 650,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 2 $ 710,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 2 $ 520,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 370,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 1,100,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 220,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 550,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 75,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ n/a 1 $ 315,000
Old Plank Trail Community Bank, N.A.
280 VETERANS PARKWAY
NEW LENOX, IL 60451
* $ n/a 1 $ 485,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 425,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ n/a 1 $ 315,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 115,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 285,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ n/a 1 $ 215,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ n/a 1 $ 4,935,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 285,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 175,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 105,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 555,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 295,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 65,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 425,000
Midwest Bank
613 HWY 10 E PO BOX 703
DETROIT LAKES, MN 56501
* $ n/a 1 $ 85,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 385,000
Dakota West Credit Union
340 MAIN ST N #209
WATFORD CITY, ND 58854
* $ n/a 1 $ 215,000
Nextmortgage, LLC
3160 CROW CANYON RD
SAN RAMON, CA 94583
* $ n/a 1 $ 305,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 105,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ n/a 1 $ 85,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 105,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 465,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 1 $ 195,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 55,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 315,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 455,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 225,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 315,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 245,000

The tables below break down 2025 mortgage applications in Stark 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 Stark County, ND in 2025

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 768 $216,150,000 $281,000 $7,095,000 $122,000 $858,000
Refinancing 190 $59,840,000 $314,000 $4,935,000 $138,000 $670,000
Cash-out Refinancing 140 $32,520,000 $232,000 $815,000 $132,000 $1,183,000
Home Improvement 98 $7,500,000 $76,000 $505,000 $133,000 $380,000
Other Purpose 80 $6,670,000 $83,000 $505,000 $133,000 $1,600,000
Not Applicable 2 $360,000 $180,000 $235,000 $69,000 $69,000

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 873 $208,895,000 $239,000 $915,000 $126,000 $1,183,000
Not applicable 203 $72,045,000 $354,000 $7,095,000 $128,000 $246,000
Not Provided 77 $17,855,000 $231,000 $645,000 $163,000 $1,600,000
Hispanic 77 $13,995,000 $181,000 $625,000 $107,000 $441,000
Black or African American 24 $5,360,000 $223,000 $595,000 $103,000 $262,000
Asian 14 $2,820,000 $201,000 $485,000 $126,000 $504,000
American Indian or Alaskan Native 10 $2,070,000 $207,000 $525,000 $120,000 $255,000
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) 841 $191,695,000 $227,000 $7,095,000 $134,000 $1,600,000
FHA-insured (Federal Housing Administration) 290 $83,780,000 $288,000 $535,000 $105,000 $275,000
VA-guaranteed (Veterans Administration) 112 $39,720,000 $354,000 $915,000 $134,000 $350,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 35 $7,845,000 $224,000 $335,000 $84,000 $126,000

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 721 $189,265,000 $262,000 $7,095,000 $129,000 $677,000
Loan Purchased By The Institution 178 $52,580,000 $295,000 $805,000 $146,000 $441,000
Application Denied By Financial Institution 154 $23,250,000 $150,000 $575,000 $101,000 $1,183,000
Application Withdrawn By Applicant 146 $39,840,000 $272,000 $815,000 $131,000 $858,000
File Closed For Incompleteness 48 $10,300,000 $214,000 $895,000 $169,000 $1,600,000
Application Approved But Not Accepted 23 $5,655,000 $245,000 $625,000 $120,000 $236,000
Preapproval Denied by Financial Institution 5 $1,315,000 $263,000 $435,000 $87,000 $117,000
Preapproval Approved but not Accepted 3 $835,000 $278,000 $375,000 $106,000 $125,000

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 1,041 $275,865,000 $265,000 $7,095,000 $130,000 $1,600,000
Debt-To-Income Ratio 129 $30,115,000 $233,000 $2,195,000 $114,000 $858,000
Credit History 52 $6,690,000 $128,000 $475,000 $89,000 $185,000
Collateral 21 $2,575,000 $122,000 $285,000 $117,000 $233,000
Credit Application Incomplete 20 $4,180,000 $209,000 $455,000 $149,000 $650,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,250,000 $208,000 $285,000 $84,000 $134,000
Other 5 $1,445,000 $289,000 $495,000 $118,000 $165,000
Unverifiable Information 4 $920,000 $230,000 $295,000 $351,000 $1,183,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment 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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