Stark County, ND Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,702 mortgage applications in Stark County, ND totaling $222.7 million, up 3% from 2009. The average application was for $130,000, and applicants reported an average income of $67,000. 62% of applications resulted in an originated loan and 11% were denied. The most active lender was Dakota Community Bank & Trust, NA, with 308 applications, followed by Wells Fargo Bank, NA and Gate City 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 | 1,702 |
| Total Mortgage Loan Application Amount | $222,682,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,635,000 |
* 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 |
|---|---|---|---|---|
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 387,029,000 | 308 | $ 42,629,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 227 | $ 29,023,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,146,346,000 | 168 | $ 16,845,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 548,226,000 | 154 | $ 19,066,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 178,564,000 | 141 | $ 16,297,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 119 | $ 18,145,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 80 | $ 13,319,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,652,838,000 | 58 | $ 6,655,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 43 | $ 7,073,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 33 | $ 5,161,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 32 | $ 4,656,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 32 | $ 4,193,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 31 | $ 4,313,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 147,169,000 | 28 | $ 3,532,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 25 | $ 3,463,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 19 | $ 1,647,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 18 | $ 2,724,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 17 | $ 2,516,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 16 | $ 1,580,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 15 | $ 1,816,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 2,242,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 951,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 11 | $ 1,734,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,483,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 10 | $ 1,727,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 749,809,000 | 7 | $ 438,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 5 | $ 966,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 5 | $ 607,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 912,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 549,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 4 | $ 219,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,475,384,000 | 4 | $ 461,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 3 | $ 255,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 530,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 295,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 2 | $ 137,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 2 | $ 32,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 127,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 203,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 2 | $ 457,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 712,559,000 | 2 | $ 313,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 126,762,000 | 2 | $ 156,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 286,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,113,169,000 | 1 | $ 15,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 361,363,000 | 1 | $ 97,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,967,973,000 | 1 | $ 42,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 198,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 124,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,648,392,000 | 1 | $ 142,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 141,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 234,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 49,097,000 | 1 | $ 39,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 241,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 104,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 110,000 |
The tables below break down 2010 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 2010
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 | 797 | $116,336,000 | $145,000 | $595,000 | $64,000 | $1,635,000 |
| Refinancing | 775 | $98,985,000 | $127,000 | $458,000 | $70,000 | $864,000 |
| Home Improvement | 130 | $7,361,000 | $56,000 | $268,000 | $65,000 | $220,000 |
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 | 1,472 | $188,465,000 | $128,000 | $458,000 | $73,000 | $1,635,000 |
| Not applicable | 162 | $25,665,000 | $158,000 | $595,000 | $10,000 | $181,000 |
| Not Provided | 52 | $6,826,000 | $131,000 | $350,000 | $78,000 | $458,000 |
| Hispanic | 10 | $1,023,000 | $102,000 | $237,000 | $74,000 | $95,000 |
| Black or African American | 4 | $401,000 | $100,000 | $167,000 | $43,000 | $46,000 |
| American Indian or Alaskan Native | 2 | $302,000 | $151,000 | $151,000 | $64,000 | $86,000 |
| Asian | 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) | 1,133 | $137,895,000 | $121,000 | $595,000 | $74,000 | $1,635,000 |
| FHA-insured (Federal Housing Administration) | 366 | $55,034,000 | $150,000 | $263,000 | $54,000 | $864,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 158 | $21,942,000 | $138,000 | $275,000 | $48,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 45 | $7,811,000 | $173,000 | $335,000 | $44,000 | $154,000 |
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 | 1,057 | $132,065,000 | $124,000 | $595,000 | $72,000 | $1,635,000 |
| Loan Purchased By The Institution | 295 | $46,151,000 | $156,000 | $396,000 | $45,000 | $383,000 |
| Application Denied By Financial Institution | 189 | $23,626,000 | $125,000 | $458,000 | $63,000 | $476,000 |
| Application Withdrawn By Applicant | 98 | $12,634,000 | $128,000 | $257,000 | $76,000 | $864,000 |
| Application Approved But Not Accepted | 47 | $6,025,000 | $128,000 | $382,000 | $76,000 | $419,000 |
| File Closed For Incompleteness | 16 | $2,181,000 | $136,000 | $195,000 | $82,000 | $325,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 43 | $3,982,000 | $92,000 | $251,000 | $62,000 | $144,000 |
| Debt-To-Income Ratio | 37 | $4,981,000 | $134,000 | $375,000 | $54,000 | $171,000 |
| Collateral | 31 | $4,718,000 | $152,000 | $446,000 | $93,000 | $476,000 |
| Credit Application Incomplete | 13 | $1,522,000 | $117,000 | $243,000 | $71,000 | $158,000 |
| Other | 12 | $1,320,000 | $110,000 | $194,000 | $75,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,879,000 | $170,000 | $458,000 | $51,000 | $102,000 |
| Employment History | 3 | $346,000 | $115,000 | $212,000 | $69,000 | $135,000 |
| Unverifiable Information | 1 | $252,000 | $252,000 | $252,000 | $88,000 | $88,000 |
| 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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