Stutsman County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 561 mortgage applications in Stutsman County, ND totaling $70.2 million, down 23% from 2013. The average application was for $125,000, and applicants reported an average income of $76,000. 68% of applications resulted in an originated loan and 9% were denied. The most active lender was Gate City Bank, with 136 applications, followed by First Community Credit Union and Wells Fargo Bank NA.
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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 | 561 |
| Total Mortgage Loan Application Amount | $70,212,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $2,363,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $2,200,000 |
Top Mortgage Lenders in Stutsman County, ND (2014)
Ranked by the number of mortgage applications each lender reported in Stutsman County, ND in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Gate City Bank Fargo, ND |
136 | $12,879,000 | $94,000 | $80,000 |
| 2 | First Community Credit Union Jamestown, ND |
77 | $7,605,000 | $98,000 | $62,000 |
| 3 | Wells Fargo Bank NA Minneapolis, MN |
73 | $10,405,000 | $142,000 | $86,000 |
| 4 | Bank Forward Fargo, ND |
38 | $5,570,000 | $146,000 | $107,000 |
| 5 | US Bank, N.A. Cincinnati, OH |
32 | $4,171,000 | $130,000 | $76,000 |
| 6 | Bank of North Dakota Bismarck, ND |
14 | $2,003,000 | $143,000 | $0 |
| 7 | Freedom Mortgage Corporation Boca Raton, FL |
13 | $1,661,000 | $127,000 | $31,000 |
| 8 | Guild Mortgage Company San Diego, CA |
10 | $1,233,000 | $123,000 | $53,000 |
| 9 | Northland Financial Steele, ND |
9 | $868,000 | $96,000 | $18,000 |
| 10 | Embrace Home Loans, Inc. Middletown, RI |
8 | $725,000 | $90,000 | $33,000 |
The tables below break down 2014 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 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 | 291 | $43,369,000 | $149,000 | $2,363,000 | $64,000 | $368,000 |
| Refinancing | 173 | $22,758,000 | $131,000 | $500,000 | $91,000 | $2,200,000 |
| Home Improvement | 97 | $4,085,000 | $42,000 | $250,000 | $84,000 | $506,000 |
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 | 463 | $56,204,000 | $121,000 | $500,000 | $83,000 | $2,200,000 |
| Not applicable | 53 | $7,968,000 | $150,000 | $2,363,000 | $9,000 | $135,000 |
| Not Provided | 39 | $5,706,000 | $146,000 | $576,000 | $90,000 | $368,000 |
| Asian | 5 | $271,000 | $54,000 | $145,000 | $64,000 | $152,000 |
| Hispanic | 1 | $63,000 | $63,000 | $63,000 | $27,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 400 | $48,372,000 | $120,000 | $2,363,000 | $87,000 | $2,200,000 |
| FHA-insured (Federal Housing Administration) | 76 | $10,558,000 | $138,000 | $276,000 | $57,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,474,000 | $122,000 | $234,000 | $36,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 32 | $4,808,000 | $150,000 | $323,000 | $51,000 | $150,000 |
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 | 381 | $47,349,000 | $124,000 | $2,363,000 | $85,000 | $2,200,000 |
| Loan Purchased By The Institution | 74 | $10,499,000 | $141,000 | $269,000 | $36,000 | $135,000 |
| Application Denied By Financial Institution | 49 | $5,327,000 | $108,000 | $300,000 | $60,000 | $164,000 |
| Application Withdrawn By Applicant | 41 | $4,816,000 | $117,000 | $400,000 | $85,000 | $226,000 |
| File Closed For Incompleteness | 9 | $1,544,000 | $171,000 | $276,000 | $69,000 | $123,000 |
| Application Approved But Not Accepted | 7 | $677,000 | $96,000 | $268,000 | $58,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 12 | $1,804,000 | $150,000 | $300,000 | $75,000 | $164,000 |
| Credit History | 10 | $619,000 | $61,000 | $168,000 | $38,000 | $73,000 |
| Collateral | 3 | $201,000 | $67,000 | $101,000 | $81,000 | $132,000 |
| Other | 3 | $293,000 | $97,000 | $228,000 | $94,000 | $109,000 |
| Unverifiable Information | 2 | $345,000 | $172,000 | $210,000 | $66,000 | $83,000 |
| Credit Application Incomplete | 2 | $300,000 | $150,000 | $150,000 | $101,000 | $103,000 |
| 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 |
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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