Stutsman County, ND Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 857 mortgage applications in Stutsman County, ND totaling $80.8 million, up 5% from 2008. The average application was for $94,000, and applicants reported an average income of $62,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was Gate City Bank, with 180 applications, followed by Wells Fargo Bank, NA and First Community Credit Union.
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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 | 857 |
| Total Mortgage Loan Application Amount | $80,791,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $2,275,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $372,000 |
* 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 |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,038,359,000 | 180 | $ 14,765,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 157 | $ 17,338,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 282,398,000 | 136 | $ 7,501,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 458,913,000 | 61 | $ 5,658,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 40 | $ 4,272,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 39 | $ 4,550,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 30 | $ 2,454,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 20 | $ 2,291,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 17 | $ 1,496,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 13 | $ 1,450,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 1,372,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 11 | $ 1,270,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 11 | $ 1,306,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,926,633,000 | 10 | $ 2,776,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 9 | $ 541,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 870,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 8 | $ 1,477,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 8 | $ 667,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 8 | $ 862,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 7 | $ 541,000 |
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 153,670,000 | 5 | $ 196,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 346,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,499,798,000 | 4 | $ 442,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 4 | $ 478,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 3 | $ 30,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 413,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,585,164,000 | 3 | $ 273,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 740,031,000 | 2 | $ 114,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 756,324,000 | 2 | $ 174,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 2 | $ 134,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 133,464,000 | 2 | $ 296,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 2 | $ 405,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 147,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 36,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 115,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 10,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 190,686,000 | 1 | $ 92,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 109,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 633,776,000 | 1 | $ 85,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 955,409,000 | 1 | $ 84,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 110,793,000 | 1 | $ 40,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,207,000 | 1 | $ 126,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 125,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 6,513,521,000 | 1 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 230,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 146,000 |
| Bremer Bank NA (St Cloud) 1100 ST GERMAIN ST CLOUD, MN 56301 |
* | $ 665,781,000 | 1 | $ 274,000 |
| Henry State Bank 700 SECOND ST HENRY, IL 61537 |
* | $ 89,547,000 | 1 | $ 31,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 102,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 359,621,000 | 1 | $ 175,000 |
The tables below break down 2009 mortgage applications in Stutsman 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 Stutsman 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 | 464 | $48,967,000 | $105,000 | $391,000 | $67,000 | $372,000 |
| Home Purchase | 276 | $28,788,000 | $104,000 | $2,275,000 | $53,000 | $365,000 |
| Home Improvement | 117 | $3,036,000 | $25,000 | $110,000 | $65,000 | $351,000 |
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 | 740 | $66,225,000 | $89,000 | $391,000 | $66,000 | $372,000 |
| Not Provided | 65 | $7,166,000 | $110,000 | $322,000 | $49,000 | $276,000 |
| Not applicable | 38 | $5,937,000 | $156,000 | $2,275,000 | $24,000 | $88,000 |
| Hispanic | 8 | $585,000 | $73,000 | $118,000 | $47,000 | $95,000 |
| American Indian or Alaskan Native | 2 | $230,000 | $115,000 | $194,000 | $84,000 | $127,000 |
| Asian | 2 | $322,000 | $161,000 | $280,000 | $151,000 | $202,000 |
| Black or African American | 2 | $326,000 | $163,000 | $200,000 | $48,000 | $49,000 |
| 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) | 594 | $53,788,000 | $90,000 | $2,275,000 | $70,000 | $372,000 |
| FHA-insured (Federal Housing Administration) | 191 | $20,239,000 | $105,000 | $269,000 | $48,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $3,765,000 | $78,000 | $171,000 | $37,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 24 | $2,999,000 | $124,000 | $230,000 | $48,000 | $109,000 |
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 | 531 | $48,953,000 | $92,000 | $2,275,000 | $68,000 | $372,000 |
| Application Withdrawn By Applicant | 117 | $11,403,000 | $97,000 | $322,000 | $58,000 | $195,000 |
| Application Denied By Financial Institution | 109 | $10,398,000 | $95,000 | $306,000 | $55,000 | $307,000 |
| Loan Purchased By The Institution | 55 | $5,867,000 | $106,000 | $274,000 | $34,000 | $319,000 |
| File Closed For Incompleteness | 25 | $2,705,000 | $108,000 | $280,000 | $65,000 | $202,000 |
| Application Approved But Not Accepted | 20 | $1,465,000 | $73,000 | $178,000 | $66,000 | $156,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 28 | $3,159,000 | $112,000 | $221,000 | $75,000 | $276,000 |
| Credit History | 23 | $1,903,000 | $82,000 | $220,000 | $58,000 | $196,000 |
| Debt-To-Income Ratio | 16 | $1,468,000 | $91,000 | $292,000 | $40,000 | $100,000 |
| Credit Application Incomplete | 4 | $721,000 | $180,000 | $306,000 | $90,000 | $307,000 |
| Other | 4 | $131,000 | $32,000 | $48,000 | $41,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $293,000 | $97,000 | $147,000 | $55,000 | $61,000 |
| Unverifiable Information | 2 | $302,000 | $151,000 | $153,000 | $80,000 | $84,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $26,000 | $26,000 |
| 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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