Traill County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 246 mortgage applications in Traill County, ND totaling $48.4 million, up 23% from 2024. The average application was for $196,000, and applicants reported an average income of $112,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was Gate City Bank, with 31 applications, followed by First Community Credit Union and First International Bank & Trust.
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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 | 246 |
| Total Mortgage Loan Application Amount | $48,360,000 |
| Average Mortgage Loan Application Amount | $196,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $862,000 |
* 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 |
* | $ n/a | 31 | $ 4,825,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 19 | $ 4,045,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 17 | $ 3,935,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ n/a | 13 | $ 2,295,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 13 | $ 2,725,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 10 | $ 2,210,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 1,820,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,660,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 1,035,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 5 | $ 1,015,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 5 | $ 605,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 410,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 250,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 850,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ n/a | 4 | $ 970,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 1,040,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 3 | $ 665,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 3 | $ 895,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 3 | $ 575,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 3 | $ 735,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 285,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 335,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 3 | $ 715,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 505,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 535,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 825,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 2 | $ 720,000 |
| Imagine Home Lending, LLC 1037 RIDERS CLUB RD ONALASKA, WI 54650 |
* | $ n/a | 2 | $ 400,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 2 | $ 720,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 310,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 180,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 480,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 2 | $ 440,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 90,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 2 | $ 380,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 640,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 2 | $ 560,000 |
| Dakota Heritage Bank RED LAKE FALLS, MN 56750 |
* | $ n/a | 2 | $ 220,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 380,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ n/a | 1 | $ 75,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 185,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 135,000 |
| 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 | $ 65,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 265,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ n/a | 1 | $ 295,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 295,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 425,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 165,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 1 | $ 405,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ n/a | 1 | $ 55,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 195,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 375,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 205,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 215,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 305,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 435,000 |
The tables below break down 2025 mortgage applications in Traill 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 Traill 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 | 138 | $32,110,000 | $232,000 | $595,000 | $105,000 | $862,000 |
| Refinancing | 37 | $7,845,000 | $212,000 | $805,000 | $156,000 | $688,000 |
| Cash-out Refinancing | 29 | $4,835,000 | $166,000 | $445,000 | $96,000 | $192,000 |
| Home Improvement | 21 | $1,645,000 | $78,000 | $305,000 | $89,000 | $155,000 |
| Other Purpose | 21 | $1,925,000 | $91,000 | $215,000 | $128,000 | $262,000 |
| 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 | 179 | $33,275,000 | $185,000 | $625,000 | $116,000 | $862,000 |
| Not applicable | 41 | $11,285,000 | $275,000 | $805,000 | $107,000 | $125,000 |
| Not Provided | 19 | $2,535,000 | $133,000 | $395,000 | $75,000 | $144,000 |
| Hispanic | 4 | $450,000 | $112,000 | $155,000 | $123,000 | $198,000 |
| Asian | 2 | $640,000 | $320,000 | $365,000 | $134,000 | $160,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $51,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 188 | $34,660,000 | $184,000 | $805,000 | $117,000 | $862,000 |
| FHA-insured (Federal Housing Administration) | 26 | $5,430,000 | $208,000 | $375,000 | $91,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 24 | $6,790,000 | $282,000 | $545,000 | $104,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,480,000 | $185,000 | $225,000 | $90,000 | $103,000 |
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 | 155 | $31,595,000 | $203,000 | $625,000 | $121,000 | $862,000 |
| Loan Purchased By The Institution | 29 | $6,935,000 | $239,000 | $545,000 | $102,000 | $126,000 |
| Application Withdrawn By Applicant | 26 | $4,390,000 | $168,000 | $445,000 | $94,000 | $182,000 |
| Application Denied By Financial Institution | 24 | $3,800,000 | $158,000 | $805,000 | $76,000 | $198,000 |
| File Closed For Incompleteness | 8 | $1,240,000 | $155,000 | $445,000 | $133,000 | $245,000 |
| Application Approved But Not Accepted | 4 | $400,000 | $100,000 | $265,000 | $75,000 | $113,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 204 | $41,270,000 | $202,000 | $595,000 | $115,000 | $862,000 |
| Debt-To-Income Ratio | 24 | $4,270,000 | $177,000 | $625,000 | $116,000 | $282,000 |
| Collateral | 6 | $780,000 | $130,000 | $165,000 | $61,000 | $71,000 |
| Credit History | 5 | $1,265,000 | $253,000 | $805,000 | $95,000 | $198,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $145,000 | $144,000 | $144,000 |
| Other | 2 | $150,000 | $75,000 | $95,000 | $52,000 | $67,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $65,000 | $65,000 |
| Employment History | 1 | $215,000 | $215,000 | $215,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $58,000 | $58,000 |
| 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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