Steele County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 48 mortgage applications in Steele County, ND totaling $4.9 million, up 45% from 2014. The average application was for $101,000, and applicants reported an average income of $66,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 5 applications, followed by loanDepot.com LLC and Dakota Heritage Bank of Nd.
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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 | 48 |
| Total Mortgage Loan Application Amount | $4,882,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $296,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 5 | $ 633,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 351,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 148,476,000 | 4 | $ 235,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,477,918,000 | 3 | $ 323,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 3 | $ 165,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 367,299,000 | 3 | $ 363,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,771,679,000 | 2 | $ 167,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 755,957,000 | 2 | $ 160,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 225,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 247,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 196,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 24,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 1 | $ 145,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 1 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 140,000 |
| Citizens State Bank PO BOX 255 FINLEY, ND 58230 |
* | $ 130,066,000 | 1 | $ 300,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 40,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 3,271,040,000 | 1 | $ 133,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 110,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 515,308,000 | 1 | $ 30,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,970,856,000 | 1 | $ 24,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 172,672,000 | 1 | $ 247,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 493,891,000 | 1 | $ 37,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 856,467,000 | 1 | $ 245,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 149,169,000 | 1 | $ 58,000 |
The tables below break down 2015 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 2015
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 | 23 | $3,061,000 | $133,000 | $300,000 | $81,000 | $296,000 |
| Home Purchase | 17 | $1,110,000 | $65,000 | $128,000 | $46,000 | $89,000 |
| Home Improvement | 8 | $711,000 | $88,000 | $155,000 | $67,000 | $110,000 |
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 | 40 | $4,143,000 | $103,000 | $300,000 | $74,000 | $296,000 |
| Not applicable | 5 | $413,000 | $82,000 | $155,000 | $0 | $0 |
| Not Provided | 3 | $326,000 | $108,000 | $133,000 | $75,000 | $132,000 |
| 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) | 38 | $3,921,000 | $103,000 | $300,000 | $67,000 | $296,000 |
| FHA-insured (Federal Housing Administration) | 6 | $634,000 | $105,000 | $173,000 | $57,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 4 | $327,000 | $81,000 | $113,000 | $74,000 | $105,000 |
| 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 | 25 | $2,608,000 | $104,000 | $300,000 | $71,000 | $296,000 |
| Application Denied By Financial Institution | 9 | $917,000 | $101,000 | $145,000 | $68,000 | $116,000 |
| Application Withdrawn By Applicant | 6 | $746,000 | $124,000 | $245,000 | $90,000 | $132,000 |
| Loan Purchased By The Institution | 5 | $413,000 | $82,000 | $155,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $93,000 | $46,000 | $48,000 | $92,000 | $140,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $88,000 | $88,000 |
| 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 | 2 | $153,000 | $76,000 | $113,000 | $69,000 | $94,000 |
| Collateral | 2 | $225,000 | $112,000 | $145,000 | $106,000 | $116,000 |
| Debt-To-Income Ratio | 1 | $128,000 | $128,000 | $128,000 | $28,000 | $28,000 |
| 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 |
| 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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