Traill County, ND Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 341 mortgage applications in Traill County, ND totaling $26.1 million, down 27% from 2006. The average application was for $76,000, and applicants reported an average income of $55,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 41 applications, followed by Gate City Bank and Wells Fargo Fin'l North Dakota.
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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 | 341 |
| Total Mortgage Loan Application Amount | $26,070,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $270,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $720,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 41 | $ 2,432,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 883,195,000 | 20 | $ 1,271,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 19 | $ 1,051,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 17 | $ 1,116,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 17 | $ 1,643,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 15 | $ 1,295,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 15 | $ 1,178,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 13 | $ 1,061,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,626,791,000 | 12 | $ 674,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 11 | $ 1,111,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 709,825,000 | 10 | $ 621,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 903,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 780,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 8 | $ 706,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 772,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 693,481,000 | 8 | $ 577,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 159,153,000 | 7 | $ 556,000 |
| Citizens State Bank PO BOX 255 FINLEY, ND 58230 |
* | $ 72,463,000 | 7 | $ 362,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 54,964,000 | 5 | $ 279,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 5 | $ 470,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 5 | $ 397,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 75,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 3 | $ 360,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 264,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 3 | $ 315,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 230,000 |
| Community Bank of the Rrv 1616 S WASHINGTON ST GRAND FORKS, ND 58201 |
* | $ 278,208,000 | 3 | $ 148,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 127,247,000 | 3 | $ 231,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 131,577,000 | 3 | $ 140,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 92,622,000 | 3 | $ 180,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 262,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 3 | $ 350,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 2 | $ 138,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 180,228,000 | 2 | $ 106,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 292,997,000 | 2 | $ 73,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 374,120,000 | 2 | $ 62,000 |
| Colorado Federal Savings Bank 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 57,237,000 | 2 | $ 298,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 304,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 2 | $ 195,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 2 | $ 90,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 2 | $ 91,000 |
| Northwestern Bank, National Association 4 NORTH MAIN - PO BOX 10 DILWORTH, MN 56547 |
* | $ 126,982,000 | 1 | $ 219,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 17,125,177,000 | 1 | $ 23,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 50,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 174,753,000 | 1 | $ 6,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 270,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 150,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 170,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 1 | $ 116,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 10,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 165,000 |
| The Lending Connection, Inc 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 1 | $ 65,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 856,202,000 | 1 | $ 66,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,249,177,000 | 1 | $ 225,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 1 | $ 54,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 124,913,000 | 1 | $ 103,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 1 | $ 20,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 270,676,000 | 1 | $ 136,000 |
The tables below break down 2007 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 2007
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 | 145 | $11,851,000 | $81,000 | $220,000 | $53,000 | $173,000 |
| Home Purchase | 140 | $12,253,000 | $87,000 | $270,000 | $53,000 | $720,000 |
| Home Improvement | 56 | $1,966,000 | $35,000 | $151,000 | $64,000 | $400,000 |
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 | 288 | $21,657,000 | $75,000 | $270,000 | $59,000 | $720,000 |
| Not applicable | 31 | $2,874,000 | $92,000 | $220,000 | $19,000 | $132,000 |
| Not Provided | 17 | $1,192,000 | $70,000 | $150,000 | $49,000 | $101,000 |
| Hispanic | 5 | $347,000 | $69,000 | $109,000 | $42,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 304 | $22,967,000 | $75,000 | $270,000 | $57,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,707,000 | $81,000 | $124,000 | $29,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,284,000 | $91,000 | $183,000 | $45,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $112,000 | $56,000 | $56,000 | $79,000 | $79,000 |
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 | 163 | $12,697,000 | $77,000 | $270,000 | $64,000 | $720,000 |
| Application Denied By Financial Institution | 65 | $3,996,000 | $61,000 | $164,000 | $47,000 | $162,000 |
| Loan Purchased By The Institution | 64 | $6,022,000 | $94,000 | $225,000 | $36,000 | $135,000 |
| Application Withdrawn By Applicant | 24 | $1,736,000 | $72,000 | $151,000 | $61,000 | $208,000 |
| Application Approved But Not Accepted | 18 | $1,123,000 | $62,000 | $208,000 | $56,000 | $95,000 |
| File Closed For Incompleteness | 7 | $496,000 | $70,000 | $118,000 | $73,000 | $140,000 |
| 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 | 16 | $749,000 | $46,000 | $152,000 | $58,000 | $162,000 |
| Debt-To-Income Ratio | 7 | $216,000 | $30,000 | $72,000 | $28,000 | $46,000 |
| Collateral | 7 | $580,000 | $82,000 | $152,000 | $63,000 | $151,000 |
| Credit Application Incomplete | 4 | $344,000 | $86,000 | $145,000 | $52,000 | $90,000 |
| Other | 4 | $151,000 | $37,000 | $91,000 | $54,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $155,000 | $77,000 | $85,000 | $40,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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