Traill County, ND Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 323 mortgage applications in Traill County, ND totaling $32.9 million, up 13% from 2010. The average application was for $101,000, and applicants reported an average income of $63,000. 58% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 91 applications, followed by Gate City Bank and First Community Credit Union.
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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 | 323 |
| Total Mortgage Loan Application Amount | $32,901,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $530,000 |
* 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 MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 91 | $ 9,640,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,216,393,000 | 31 | $ 2,641,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 336,791,000 | 22 | $ 1,673,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 17 | $ 1,980,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,112,179,000 | 14 | $ 1,039,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,130,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 12 | $ 1,434,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 11 | $ 1,053,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 579,650,000 | 9 | $ 671,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 139,356,000 | 8 | $ 1,324,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 247,890,000 | 5 | $ 508,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,071,664,000 | 5 | $ 562,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 978,893,000 | 5 | $ 595,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 5 | $ 522,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 4 | $ 222,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 581,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 4 | $ 310,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 4 | $ 229,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 460,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 278,418,000 | 3 | $ 187,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 156,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 270,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 340,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 335,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 267,002,000 | 2 | $ 310,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 881,299,000 | 2 | $ 255,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 1 | $ 80,000 |
| Northwestern Bank, National Association 4 NORTH MAIN - PO BOX 10 DILWORTH, MN 56547 |
* | $ 138,817,000 | 1 | $ 400,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 554,688,000 | 1 | $ 56,000 |
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 161,077,000 | 1 | $ 146,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 86,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 151,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 50,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,556,748,000 | 1 | $ 61,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,181,819,000 | 1 | $ 61,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 72,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 174,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 72,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 80,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 120,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 256,084,000 | 1 | $ 171,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 485,068,000 | 1 | $ 1,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 419,995,000 | 1 | $ 300,000 |
| Citizens State Bank PO BOX 255 FINLEY, ND 58230 |
* | $ 114,791,000 | 1 | $ 46,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 114,569,000 | 1 | $ 135,000 |
| 1st Liberty 6200 3RD AVE N GREAT FALLS, MT 59401 |
* | $ 135,947,000 | 1 | $ 10,000 |
| Air Academy Federal Credit Union 9810 N UNION BLVD COLORADO SPRINGS, CO 80924 |
* | $ 417,559,000 | 1 | $ 51,000 |
The tables below break down 2011 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 2011
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 | 180 | $19,414,000 | $107,000 | $400,000 | $69,000 | $530,000 |
| Home Purchase | 112 | $12,308,000 | $109,000 | $300,000 | $51,000 | $283,000 |
| Home Improvement | 31 | $1,179,000 | $38,000 | $135,000 | $69,000 | $178,000 |
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 | 277 | $28,011,000 | $101,000 | $364,000 | $68,000 | $530,000 |
| Not applicable | 23 | $2,927,000 | $127,000 | $400,000 | $0 | $0 |
| Not Provided | 17 | $1,634,000 | $96,000 | $203,000 | $62,000 | $106,000 |
| Hispanic | 5 | $301,000 | $60,000 | $118,000 | $55,000 | $80,000 |
| American Indian or Alaskan Native | 1 | $28,000 | $28,000 | $28,000 | $77,000 | $77,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 214 | $21,130,000 | $98,000 | $400,000 | $72,000 | $530,000 |
| FHA-insured (Federal Housing Administration) | 64 | $7,118,000 | $111,000 | $233,000 | $46,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 27 | $3,107,000 | $115,000 | $197,000 | $43,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,546,000 | $85,000 | $159,000 | $42,000 | $59,000 |
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 | 186 | $20,073,000 | $107,000 | $400,000 | $72,000 | $530,000 |
| Application Denied By Financial Institution | 66 | $5,331,000 | $80,000 | $197,000 | $56,000 | $178,000 |
| Loan Purchased By The Institution | 33 | $4,255,000 | $128,000 | $210,000 | $24,000 | $88,000 |
| Application Withdrawn By Applicant | 20 | $1,721,000 | $86,000 | $233,000 | $66,000 | $111,000 |
| Application Approved But Not Accepted | 11 | $899,000 | $81,000 | $154,000 | $65,000 | $255,000 |
| File Closed For Incompleteness | 7 | $622,000 | $88,000 | $187,000 | $43,000 | $65,000 |
| 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 | 22 | $1,423,000 | $64,000 | $148,000 | $66,000 | $178,000 |
| Debt-To-Income Ratio | 13 | $1,244,000 | $95,000 | $156,000 | $45,000 | $127,000 |
| Collateral | 10 | $702,000 | $70,000 | $126,000 | $47,000 | $116,000 |
| Employment History | 4 | $214,000 | $53,000 | $72,000 | $24,000 | $33,000 |
| Unverifiable Information | 3 | $453,000 | $151,000 | $197,000 | $93,000 | $158,000 |
| Credit Application Incomplete | 2 | $289,000 | $144,000 | $176,000 | $52,000 | $104,000 |
| Other | 1 | $52,000 | $52,000 | $52,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $66,000 | $66,000 |
| 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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