Stark County, ND Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 2,354 mortgage applications in Stark County, ND totaling $547.0 million, down 8% from 2020. The average application was for $232,000, and applicants reported an average income of $99,000. 63% of applications resulted in an originated loan and 7% were denied. The most active lender was Dakota Community Bank & Trust, NA, with 246 applications, followed by Bank of England and Gate City Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,354
Total Mortgage Loan Application Amount $546,970,000
Average Mortgage Loan Application Amount $232,000
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $99,000
Highest Applicant Income $1,979,000

Mortgage Company List for Lending in Stark County, ND for 2021

* 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
* $ 862,614,000 246 $ 58,890,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 235 $ 60,955,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 2,380,296,000 170 $ 31,010,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 166 $ 38,000,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ 1,671,850,000 124 $ 26,590,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 95 $ 22,415,000
Western Cooperative Credit Union
PO BOX 2237/1300 BISON DR
WILLISTON, ND 58801
* $ 358,802,000 82 $ 15,200,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 75 $ 17,735,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 66 $ 14,740,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 62 $ 14,930,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 60 $ 17,890,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 54 $ 11,460,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 47 $ 10,595,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 42 $ 9,700,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 2,689,384,000 40 $ 7,680,000
Unify Home Lending Inc.
2101 MT RUSHMORE RD #300
PIERRE, SD 57701
* $ -1,000 40 $ 10,590,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 38 $ 9,200,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 37 $ 9,005,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 35 $ 9,515,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 35 $ 8,615,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 33 $ 8,345,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ 2,379,086,000 31 $ 9,795,000
Kirkwood Bank & Trust Co.
2911 N 14TH STREET
BISMARCK, ND 58503
* $ 246,223,000 31 $ 7,075,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 29 $ 6,535,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 28 $ 7,320,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 28 $ 5,640,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 27 $ 2,035,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 21 $ 5,415,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 19 $ 5,065,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 19 $ 4,655,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 15 $ 4,625,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 11 $ 2,705,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 13,105,582,000 9 $ 1,505,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 9 $ 3,025,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 9 $ 2,365,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 8 $ 2,130,000
Cornerstone Bank
2280 45TH STREET SOUTH
FARGO, ND 58104
* $ 983,657,000 7 $ 1,005,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 7 $ 1,505,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 7 $ 1,645,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 1,685,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 7 $ 1,545,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,585,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,260,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 6 $ 440,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 1,145,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 5 $ 1,515,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,205,032,000 5 $ 705,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 5 $ 1,865,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 895,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 1,960,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 4 $ 1,180,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 853,065,000 4 $ 1,310,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 4 $ 990,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 4 $ 1,200,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ 540,918,000 3 $ 675,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 665,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 865,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 625,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 565,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 795,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 3 $ 725,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 605,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 3,466,051,000 3 $ 1,055,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 855,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 605,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 320,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 2 $ 520,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 2 $ 350,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 490,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 530,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 2 $ 160,000
Starion Bank
109 1ST STREET NW
MANDAN, ND 58554
* $ 1,376,396,000 2 $ 640,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 3,986,026,000 2 $ 250,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 2 $ 490,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 1 $ 35,000
First Western Bank & Trust
900 SOUTH BROADWAY
MINOT, ND 58701
* $ 1,089,559,000 1 $ 115,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 355,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,864,126,000 1 $ 55,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 5,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 205,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 175,000
Town and Country Credit Union
615 S BROADWAY ST
MINOT, ND 58701
* $ 484,003,000 1 $ 255,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 205,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 265,000
Black Hills Community Bank, NA
840 MT. RUSHMORE RD.
RAPID CITY, SD 57701
* $ 299,697,000 1 $ 405,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 185,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 285,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 215,000
Railway Credit Union
1006 E MAIN STREET
MANDAN, ND 58554
* $ 122,122,000 1 $ 205,000
North Shore Bank of Commerce
131 WEST SUPERIOR STREET
DULUTH, MN 55802
* $ 286,645,000 1 $ 255,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,399,512,000 1 $ 195,000
Security First Bank of North Dakota
700 ASH AVENUE
NEW SALEM, ND 58563
* $ 185,281,000 1 $ 285,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 12,848,070,000 1 $ 95,000
Cortrust Mortgage, Inc.
2101 S MINNESOTA AVENUE
SIOUX FALLS, SD 57105
* $ -1,000 1 $ 225,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 9,073,675,000 1 $ 335,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 275,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 115,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 265,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 215,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 185,000
First Community Credit Union
111 9TH ST SW
JAMESTOWN, ND 58401
* $ 850,203,000 1 $ 145,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 217,610,000 1 $ 275,000
Bank Forward
390 WHEAT STREET, PO BOX 100
FARGO, ND 58104
* $ 717,012,000 1 $ 185,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 235,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 255,000
Border Bank
4530 17TH AVENUE SOUTH
FARGO, ND 58103
* $ 109,857,000 1 $ 65,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 285,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 295,000

The tables below break down 2021 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 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
Refinancing 994 $235,480,000 $236,000 $1,305,000 $104,000 $1,979,000
Home Purchase 969 $233,545,000 $241,000 $925,000 $93,000 $852,000
Cash-out Refinancing 300 $69,470,000 $231,000 $545,000 $102,000 $415,000
Other Purpose 39 $2,745,000 $70,000 $225,000 $102,000 $252,000
Home Improvement 33 $2,455,000 $74,000 $355,000 $129,000 $512,000
Not Applicable 19 $3,275,000 $172,000 $275,000 $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 1,736 $400,020,000 $230,000 $635,000 $99,000 $1,979,000
Not applicable 280 $73,690,000 $263,000 $1,305,000 $96,000 $180,000
Not Provided 224 $49,540,000 $221,000 $925,000 $107,000 $852,000
Hispanic 65 $12,315,000 $189,000 $385,000 $83,000 $234,000
Black or African American 23 $5,255,000 $228,000 $365,000 $83,000 $137,000
American Indian or Alaskan Native 10 $2,040,000 $204,000 $395,000 $77,000 $118,000
Asian 10 $2,710,000 $271,000 $425,000 $94,000 $179,000
Native Hawaiian or Other Pacific Islander 3 $605,000 $201,000 $335,000 $81,000 $81,000

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) 1,543 $351,225,000 $227,000 $1,305,000 $109,000 $1,979,000
FHA-insured (Federal Housing Administration) 340 $77,970,000 $229,000 $365,000 $72,000 $200,000
VA-guaranteed (Veterans Administration) 253 $68,905,000 $272,000 $635,000 $82,000 $600,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 218 $48,870,000 $224,000 $545,000 $69,000 $166,000

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 1,485 $344,175,000 $231,000 $1,305,000 $100,000 $852,000
Loan Purchased By The Institution 327 $84,465,000 $258,000 $545,000 $102,000 $375,000
Application Withdrawn By Applicant 246 $54,670,000 $222,000 $575,000 $102,000 $1,979,000
Application Denied By Financial Institution 173 $35,685,000 $206,000 $545,000 $81,000 $458,000
File Closed For Incompleteness 70 $15,430,000 $220,000 $485,000 $97,000 $292,000
Application Approved But Not Accepted 50 $12,000,000 $240,000 $495,000 $120,000 $600,000
Preapproval Approved but not Accepted 2 $340,000 $170,000 $185,000 $77,000 $104,000
Preapproval Denied by Financial Institution 1 $205,000 $205,000 $205,000 $60,000 $60,000

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 2,146 $503,450,000 $234,000 $1,305,000 $101,000 $1,979,000
Debt-To-Income Ratio 84 $18,590,000 $221,000 $545,000 $77,000 $276,000
Credit Application Incomplete 37 $8,325,000 $225,000 $485,000 $92,000 $217,000
Credit History 33 $6,325,000 $191,000 $435,000 $104,000 $458,000
Other 24 $4,830,000 $201,000 $455,000 $83,000 $189,000
Collateral 18 $2,630,000 $146,000 $315,000 $93,000 $212,000
Unverifiable Information 5 $1,265,000 $253,000 $425,000 $90,000 $193,000
Employment History 3 $515,000 $171,000 $245,000 $54,000 $72,000
Insufficient Cash (Downpayment, Closing Cost) 3 $795,000 $265,000 $335,000 $67,000 $109,000
Mortgage Insurance Denied 1 $245,000 $245,000 $245,000 $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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