Traill County, ND Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 294 mortgage applications in Traill County, ND totaling $35.7 million, up 14% from 2014. The average application was for $121,000, and applicants reported an average income of $64,000. 60% of applications resulted in an originated loan and 17% were denied. The most active lender was Gate City Bank, with 28 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in North Dakota.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 294 |
| Total Mortgage Loan Application Amount | $35,683,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $861,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $378,000 |
* 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 |
* | $ 1,771,679,000 | 28 | $ 2,508,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 26 | $ 3,391,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 18 | $ 2,691,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 172,672,000 | 15 | $ 2,474,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 14 | $ 2,356,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 13 | $ 1,604,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,477,918,000 | 13 | $ 917,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 515,308,000 | 12 | $ 747,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 9 | $ 874,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 245,560,000 | 8 | $ 984,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 899,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,970,856,000 | 7 | $ 977,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 3,271,040,000 | 6 | $ 602,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 6 | $ 877,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 6 | $ 566,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 723,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 5 | $ 640,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 674,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,576,587,000 | 5 | $ 533,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 452,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 287,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 433,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 755,957,000 | 4 | $ 368,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 167,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 378,840,000 | 3 | $ 358,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 345,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 3 | $ 222,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 3 | $ 360,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 616,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 490,173,000 | 3 | $ 648,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 365,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 346,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 367,299,000 | 2 | $ 176,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 2 | $ 194,000 |
| Dakota Heritage Bank of Nd 109 MAIN STREET PO BOX 268 HUNTER, ND 58048 |
* | $ 148,476,000 | 2 | $ 152,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 915,590,000 | 2 | $ 224,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 72,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 161,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 40,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 64,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 249,622,000 | 1 | $ 30,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 17,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 184,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 90,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 383,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 479,751,000 | 1 | $ 120,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 222,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 1 | $ 60,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 1 | $ 105,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 231,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 93,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 87,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 222,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 1 | $ 121,000 |
The tables below break down 2015 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 171 | $22,154,000 | $129,000 | $861,000 | $58,000 | $378,000 |
| Refinancing | 90 | $11,330,000 | $125,000 | $375,000 | $70,000 | $356,000 |
| Home Improvement | 33 | $2,199,000 | $66,000 | $354,000 | $81,000 | $300,000 |
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 | 233 | $28,257,000 | $121,000 | $861,000 | $76,000 | $378,000 |
| Not applicable | 39 | $4,875,000 | $125,000 | $295,000 | $0 | $0 |
| Not Provided | 19 | $2,309,000 | $121,000 | $354,000 | $56,000 | $142,000 |
| Hispanic | 2 | $176,000 | $88,000 | $151,000 | $55,000 | $60,000 |
| Asian | 1 | $66,000 | $66,000 | $66,000 | $51,000 | $51,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 169 | $20,959,000 | $124,000 | $861,000 | $79,000 | $378,000 |
| FHA-insured (Federal Housing Administration) | 57 | $5,890,000 | $103,000 | $227,000 | $44,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,275,000 | $146,000 | $267,000 | $51,000 | $249,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,559,000 | $111,000 | $222,000 | $34,000 | $74,000 |
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 | 177 | $20,585,000 | $116,000 | $778,000 | $76,000 | $378,000 |
| Application Denied By Financial Institution | 51 | $6,674,000 | $130,000 | $861,000 | $68,000 | $356,000 |
| Loan Purchased By The Institution | 45 | $5,371,000 | $119,000 | $295,000 | $10,000 | $74,000 |
| Application Withdrawn By Applicant | 16 | $2,169,000 | $135,000 | $375,000 | $73,000 | $286,000 |
| Application Approved But Not Accepted | 3 | $403,000 | $134,000 | $227,000 | $48,000 | $54,000 |
| File Closed For Incompleteness | 2 | $481,000 | $240,000 | $250,000 | $98,000 | $137,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 11 | $1,199,000 | $109,000 | $223,000 | $40,000 | $98,000 |
| Credit History | 10 | $852,000 | $85,000 | $232,000 | $60,000 | $105,000 |
| Collateral | 5 | $1,404,000 | $280,000 | $861,000 | $138,000 | $332,000 |
| Credit Application Incomplete | 3 | $472,000 | $157,000 | $192,000 | $105,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $92,000 | $92,000 | $92,000 | $22,000 | $22,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $96,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About