Steele County, ND Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 65 mortgage applications in Steele County, ND totaling $5.6 million, up 25% from 2008. The average application was for $85,000, and applicants reported an average income of $77,000. 43% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank, NA, with 10 applications, followed by Citizens State Bank and Bank of America, N.A..
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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 | 65 |
| Total Mortgage Loan Application Amount | $5,566,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $277,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $622,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 10 | $ 957,000 |
| Citizens State Bank PO BOX 255 FINLEY, ND 58230 |
* | $ 99,322,000 | 9 | $ 478,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 375,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 301,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 201,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,038,359,000 | 4 | $ 483,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 756,324,000 | 3 | $ 132,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,499,798,000 | 2 | $ 410,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 861,269,000 | 2 | $ 189,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 359,621,000 | 2 | $ 201,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,926,633,000 | 2 | $ 114,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 458,913,000 | 2 | $ 56,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 270,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 51,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 48,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 70,581,000 | 1 | $ 31,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 72,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 45,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,585,164,000 | 1 | $ 20,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 277,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 122,000 |
The tables below break down 2009 mortgage applications in Steele 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 Steele County, ND in 2009
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 | 43 | $4,579,000 | $106,000 | $277,000 | $74,000 | $231,000 |
| Home Purchase | 18 | $810,000 | $45,000 | $74,000 | $85,000 | $622,000 |
| Home Improvement | 4 | $177,000 | $44,000 | $73,000 | $82,000 | $130,000 |
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 | 52 | $4,665,000 | $89,000 | $277,000 | $85,000 | $622,000 |
| Not Provided | 6 | $361,000 | $60,000 | $118,000 | $37,000 | $65,000 |
| Not applicable | 5 | $470,000 | $94,000 | $133,000 | $33,000 | $84,000 |
| Hispanic | 2 | $70,000 | $35,000 | $55,000 | $110,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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 |
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) | 48 | $3,920,000 | $81,000 | $277,000 | $90,000 | $622,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,588,000 | $99,000 | $260,000 | $44,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 1 | $58,000 | $58,000 | $58,000 | $26,000 | $26,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 28 | $2,322,000 | $82,000 | $277,000 | $99,000 | $622,000 |
| Application Denied By Financial Institution | 12 | $667,000 | $55,000 | $152,000 | $57,000 | $149,000 |
| Loan Purchased By The Institution | 10 | $1,110,000 | $111,000 | $277,000 | $57,000 | $143,000 |
| Application Withdrawn By Applicant | 6 | $1,009,000 | $168,000 | $260,000 | $71,000 | $120,000 |
| Application Approved But Not Accepted | 6 | $298,000 | $49,000 | $87,000 | $66,000 | $152,000 |
| File Closed For Incompleteness | 2 | $148,000 | $74,000 | $108,000 | $80,000 | $88,000 |
| Preapproval Denied by Financial Institution | 1 | $12,000 | $12,000 | $12,000 | $11,000 | $11,000 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $225,000 | $75,000 | $152,000 | $21,000 | $26,000 |
| Collateral | 2 | $159,000 | $79,000 | $104,000 | $109,000 | $149,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $12,000 | $12,000 | $12,000 | $11,000 | $11,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $71,000 | $71,000 |
| Credit History | 1 | $40,000 | $40,000 | $40,000 | $72,000 | $72,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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