Towner County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 37 mortgage applications in Towner County, ND totaling $3.3 million, up 12% from 2014. The average application was for $88,000, and applicants reported an average income of $92,000. 76% of applications resulted in an originated loan and 14% were denied. The most active lender was Bravera Bank, with 7 applications, followed by Ramsey National Bank and Caliber Home Loans, Inc..
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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 | 37 |
| Total Mortgage Loan Application Amount | $3,268,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $213,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $755,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,229,285,000 | 7 | $ 753,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 266,273,000 | 6 | $ 296,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 613,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 4 | $ 306,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 3 | $ 390,000 |
| Horizon Financial Bank 416 MAIN ST MUNICH, ND 58352 |
* | $ 139,704,000 | 2 | $ 133,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,107,155,000 | 2 | $ 41,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,166,657,000 | 2 | $ 81,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,576,587,000 | 1 | $ 84,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,970,856,000 | 1 | $ 75,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 34,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 41,000 |
The tables below break down 2015 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 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 | 18 | $1,615,000 | $89,000 | $190,000 | $67,000 | $136,000 |
| Home Purchase | 15 | $1,331,000 | $88,000 | $213,000 | $118,000 | $755,000 |
| Home Improvement | 4 | $322,000 | $80,000 | $107,000 | $104,000 | $134,000 |
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 | 32 | $2,798,000 | $87,000 | $204,000 | $98,000 | $755,000 |
| Not Provided | 3 | $421,000 | $140,000 | $213,000 | $75,000 | $90,000 |
| Not applicable | 1 | $41,000 | $41,000 | $41,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $8,000 | $8,000 | $8,000 | $22,000 | $22,000 |
| 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) | 29 | $2,371,000 | $81,000 | $204,000 | $102,000 | $755,000 |
| VA-guaranteed (Veterans Administration) | 5 | $698,000 | $139,000 | $213,000 | $65,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 2 | $164,000 | $82,000 | $123,000 | $45,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $35,000 | $35,000 | $35,000 | $24,000 | $24,000 |
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 | 28 | $2,743,000 | $97,000 | $213,000 | $104,000 | $755,000 |
| Application Denied By Financial Institution | 5 | $319,000 | $63,000 | $157,000 | $39,000 | $73,000 |
| Application Withdrawn By Applicant | 1 | $37,000 | $37,000 | $37,000 | $167,000 | $167,000 |
| File Closed For Incompleteness | 1 | $53,000 | $53,000 | $53,000 | $40,000 | $40,000 |
| Application Approved But Not Accepted | 1 | $75,000 | $75,000 | $75,000 | $88,000 | $88,000 |
| Loan Purchased By The Institution | 1 | $41,000 | $41,000 | $41,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | $119,000 | $59,000 | $85,000 | $39,000 | $64,000 |
| Collateral | 1 | $157,000 | $157,000 | $157,000 | $73,000 | $73,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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