Stutsman County, ND Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 851 mortgage applications in Stutsman County, ND totaling $122.9 million, up 22% from 2015. The average application was for $144,000, and applicants reported an average income of $70,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was Gate City Bank, with 119 applications, followed by First Community Credit Union and Unison Bank.
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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 | 851 |
| Total Mortgage Loan Application Amount | $122,941,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $2,400,000 |
* 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 AVE N FARGO, ND 58102 |
* | $ 1,888,081,000 | 119 | $ 13,648,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 542,525,000 | 112 | $ 12,210,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 266,241,000 | 81 | $ 9,614,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 58 | $ 8,136,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 45 | $ 6,767,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 42 | $ 6,191,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 510,317,000 | 38 | $ 6,186,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 33 | $ 6,633,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 30 | $ 5,117,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 29 | $ 6,086,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 28 | $ 4,091,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 19 | $ 2,569,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 15 | $ 2,746,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 13 | $ 2,514,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 10 | $ 1,932,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 8 | $ 1,842,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 8 | $ 1,129,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,227,404,000 | 8 | $ 798,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,115,257,000 | 8 | $ 1,768,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 903,318,000 | 8 | $ 1,549,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 401,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 6 | $ 1,902,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 977,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,136,230,000 | 4 | $ 585,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 441,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 486,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 303,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 85,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 797,442,000 | 3 | $ 1,230,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 515,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,200,081,000 | 3 | $ 486,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,738,618,000 | 2 | $ 353,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 2 | $ 74,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 288,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 915,092,000 | 2 | $ 264,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 200,335,000 | 2 | $ 138,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 245,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 366,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 156,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 303,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 2 | $ 308,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 2 | $ 608,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 2 | $ 321,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 10,643,549,000 | 2 | $ 254,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 6,656,748,000 | 1 | $ 206,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 123,000 |
| Cuso Mortgage, Inc. 5601 E LA PALMA AVENUE ANAHEIM, CA 92807 |
* | $ 10,000,000 | 1 | $ 344,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 126,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 148,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 130,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 185,225,000 | 1 | $ 725,000 |
| Central Bank and Trust Co. 700 EAST 30TH HUTCHINSON, KS 67502 |
* | $ 292,902,000 | 1 | $ 42,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 45,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ 9,774,230,000 | 1 | $ 124,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 146,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 243,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 784,567,000 | 1 | $ 344,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 1 | $ 337,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 260,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 831,999,000 | 1 | $ 180,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 1 | $ 106,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 103,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 91,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 3,656,580,000 | 1 | $ 57,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 33,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 75,743,098,000 | 1 | $ 378,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 238,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 169,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 84,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 169,000 |
The tables below break down 2016 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 2016
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 | 364 | $53,849,000 | $147,000 | $865,000 | $70,000 | $2,400,000 |
| Home Purchase | 334 | $58,007,000 | $173,000 | $725,000 | $65,000 | $375,000 |
| Home Improvement | 153 | $11,085,000 | $72,000 | $400,000 | $78,000 | $287,000 |
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 | 667 | $93,858,000 | $140,000 | $640,000 | $80,000 | $2,400,000 |
| Not applicable | 110 | $19,724,000 | $179,000 | $865,000 | $0 | $34,000 |
| Not Provided | 47 | $6,612,000 | $140,000 | $323,000 | $82,000 | $423,000 |
| American Indian or Alaskan Native | 9 | $1,005,000 | $111,000 | $245,000 | $67,000 | $130,000 |
| Hispanic | 9 | $763,000 | $84,000 | $175,000 | $71,000 | $138,000 |
| Asian | 5 | $660,000 | $132,000 | $169,000 | $56,000 | $74,000 |
| Black or African American | 2 | $50,000 | $25,000 | $25,000 | $56,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $269,000 | $134,000 | $190,000 | $55,000 | $73,000 |
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) | 610 | $84,705,000 | $138,000 | $865,000 | $81,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 143 | $21,556,000 | $150,000 | $276,000 | $39,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 54 | $10,993,000 | $203,000 | $530,000 | $45,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $5,687,000 | $129,000 | $206,000 | $41,000 | $83,000 |
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 | $74,589,000 | $140,000 | $865,000 | $78,000 | $543,000 |
| Application Denied By Financial Institution | 121 | $15,601,000 | $128,000 | $404,000 | $80,000 | $2,400,000 |
| Loan Purchased By The Institution | 100 | $19,049,000 | $190,000 | $417,000 | $20,000 | $375,000 |
| Application Withdrawn By Applicant | 68 | $9,755,000 | $143,000 | $375,000 | $65,000 | $186,000 |
| File Closed For Incompleteness | 18 | $1,810,000 | $100,000 | $206,000 | $52,000 | $124,000 |
| Application Approved But Not Accepted | 13 | $2,137,000 | $164,000 | $386,000 | $76,000 | $202,000 |
| 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 | 19 | $1,822,000 | $95,000 | $374,000 | $74,000 | $170,000 |
| Collateral | 12 | $1,333,000 | $111,000 | $225,000 | $63,000 | $105,000 |
| Debt-To-Income Ratio | 10 | $1,273,000 | $127,000 | $204,000 | $36,000 | $66,000 |
| Credit Application Incomplete | 9 | $1,030,000 | $114,000 | $195,000 | $45,000 | $127,000 |
| Other | 6 | $918,000 | $153,000 | $236,000 | $68,000 | $97,000 |
| Unverifiable Information | 2 | $321,000 | $160,000 | $219,000 | $59,000 | $76,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $14,000 | $14,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $176,000 | $176,000 | $176,000 | $0 | $0 |
| 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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