Steele County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 33 mortgage applications in Steele County, ND totaling $6.6 million, down 34% from 2013. The average application was for $200,000, and applicants reported an average income of $64,000. 58% of applications resulted in an originated loan and 15% were denied. The most active lender was Citizens State Bank, with 5 applications, followed by Bell Bank and Bank of North Dakota.
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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 | 33 |
| Total Mortgage Loan Application Amount | $6,620,000 |
| Average Mortgage Loan Application Amount | $200,000 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $442,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens State Bank PO BOX 255 FINLEY, ND 58230 |
* | $ 129,089,000 | 5 | $ 3,812,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,905,587,000 | 4 | $ 221,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 4 | $ 355,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 688,805,000 | 2 | $ 241,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 139,522,000 | 2 | $ 107,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 139,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 262,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 208,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 92,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,664,450,000 | 1 | $ 34,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 1 | $ 40,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 490,836,000 | 1 | $ 152,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 83,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 1 | $ 75,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 1 | $ 152,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 478,857,000 | 1 | $ 116,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 339,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 102,000 |
The tables below break down 2014 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 2014
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 | 17 | $1,416,000 | $83,000 | $339,000 | $44,000 | $123,000 |
| Refinancing | 15 | $5,164,000 | $344,000 | $3,600,000 | $90,000 | $442,000 |
| Home Improvement | 1 | $40,000 | $40,000 | $40,000 | $27,000 | $27,000 |
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 | 28 | $2,740,000 | $97,000 | $339,000 | $76,000 | $442,000 |
| Not applicable | 5 | $3,880,000 | $776,000 | $3,600,000 | $0 | $0 |
| Not Provided | 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 |
| 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) | 22 | $5,957,000 | $270,000 | $3,600,000 | $73,000 | $442,000 |
| FHA-insured (Federal Housing Administration) | 5 | $282,000 | $56,000 | $125,000 | $63,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $298,000 | $59,000 | $92,000 | $31,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 1 | $83,000 | $83,000 | $83,000 | $32,000 | $32,000 |
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 | 19 | $5,478,000 | $288,000 | $3,600,000 | $75,000 | $442,000 |
| Loan Purchased By The Institution | 5 | $488,000 | $97,000 | $208,000 | $12,000 | $61,000 |
| Application Denied By Financial Institution | 5 | $377,000 | $75,000 | $125,000 | $62,000 | $123,000 |
| Application Withdrawn By Applicant | 4 | $277,000 | $69,000 | $137,000 | $81,000 | $206,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1 | $40,000 | $40,000 | $40,000 | $27,000 | $27,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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