Towner County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 44 mortgage applications in Towner County, ND totaling $8.1 million, up 63% from 2024. The average application was for $184,000, and applicants reported an average income of $108,000. 59% of applications resulted in an originated loan and 14% were denied. The most active lender was First Community Credit Union, with 7 applications, followed by Bravera Bank and Bravera 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 | 44 |
| Total Mortgage Loan Application Amount | $8,100,000 |
| Average Mortgage Loan Application Amount | $184,000 |
| Highest Mortgage Loan Application Amount | $1,135,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $341,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 7 | $ 645,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 3 | $ 415,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 3 | $ 415,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 100,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 1,610,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 2 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 145,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 1 | $ 575,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 125,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ n/a | 1 | $ 75,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 55,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 105,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 405,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 995,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 105,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 135,000 |
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ n/a | 1 | $ 325,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2025 mortgage applications in Towner 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 Towner County, ND in 2025
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 | 19 | $4,945,000 | $260,000 | $1,135,000 | $122,000 | $341,000 |
| Refinancing | 12 | $2,100,000 | $175,000 | $475,000 | $111,000 | $340,000 |
| Cash-out Refinancing | 6 | $510,000 | $85,000 | $125,000 | $77,000 | $150,000 |
| Other Purpose | 4 | $260,000 | $65,000 | $105,000 | $94,000 | $130,000 |
| Home Improvement | 3 | $285,000 | $95,000 | $155,000 | $95,000 | $155,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 30 | $6,380,000 | $212,000 | $1,135,000 | $114,000 | $341,000 |
| Not Provided | 6 | $620,000 | $103,000 | $225,000 | $88,000 | $130,000 |
| Not applicable | 3 | $435,000 | $145,000 | $205,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $230,000 | $115,000 | $115,000 | $54,000 | $54,000 |
| Hispanic | 2 | $330,000 | $165,000 | $225,000 | $163,000 | $163,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $74,000 | $74,000 |
| Black or African American | 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) | 30 | $5,210,000 | $173,000 | $995,000 | $112,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,075,000 | $153,000 | $225,000 | $78,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,555,000 | $311,000 | $1,135,000 | $123,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $260,000 | $130,000 | $135,000 | $71,000 | $71,000 |
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 | 26 | $5,330,000 | $205,000 | $1,135,000 | $117,000 | $341,000 |
| Application Withdrawn By Applicant | 7 | $1,615,000 | $230,000 | $995,000 | $124,000 | $261,000 |
| Application Denied By Financial Institution | 6 | $620,000 | $103,000 | $225,000 | $64,000 | $120,000 |
| File Closed For Incompleteness | 3 | $305,000 | $101,000 | $175,000 | $58,000 | $70,000 |
| Loan Purchased By The Institution | 2 | $230,000 | $115,000 | $125,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 34 | $6,740,000 | $198,000 | $1,135,000 | $116,000 | $341,000 |
| Debt-To-Income Ratio | 4 | $740,000 | $185,000 | $325,000 | $102,000 | $127,000 |
| Credit History | 3 | $155,000 | $51,000 | $55,000 | $75,000 | $120,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $39,000 | $39,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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