Traill County, ND Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 249 mortgage applications in Traill County, ND totaling $35.8 million, down 11% from 2016. The average application was for $143,000, and applicants reported an average income of $87,000. 60% of applications resulted in an originated loan and 10% were denied. The most active lender was Wells Fargo Bank NA, with 23 applications, followed by Gate City Bank and Valley Mortgage, 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 | 249 |
| Total Mortgage Loan Application Amount | $35,798,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,310,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $4,000,000 |
* 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 |
* | $ 1,727,235,000,000 | 23 | $ 2,467,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,952,398,000 | 21 | $ 2,962,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 18 | $ 2,949,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 15 | $ 2,491,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 14 | $ 2,075,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,048,652,000 | 13 | $ 2,023,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 565,398,000 | 13 | $ 1,061,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,262,003,000 | 9 | $ 1,513,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,035,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 389,693,000 | 7 | $ 886,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 182,364,000 | 7 | $ 1,041,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 750,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,496,234,000 | 5 | $ 526,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 737,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 1,174,850,000 | 4 | $ 1,136,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 345,855,000 | 4 | $ 562,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 570,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 820,967,000 | 3 | $ 1,583,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 536,907,000 | 3 | $ 162,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 618,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 960,808,000 | 3 | $ 255,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 404,000 |
| Hometown Bank 1000 EAST COOK STREET REDWOOD FALLS, MN 56283 |
* | $ 263,903,000 | 2 | $ 347,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 274,000 |
| United Savings Credit Union 1001 1ST AVE N FARGO, ND 58102 |
* | $ 57,979,000 | 2 | $ 63,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 2 | $ 457,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 492,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 366,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 436,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 297,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 203,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 70,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ -1,000 | 1 | $ 122,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 387,051,000 | 1 | $ 173,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 15,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 301,057,000 | 1 | $ 315,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 4,181,458,000 | 1 | $ 219,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,435,339,000 | 1 | $ 57,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 81,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 69,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 203,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 150,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 275,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 290,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 83,730,044,000 | 1 | $ 18,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 51,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 179,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 240,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,717,614,000 | 1 | $ 128,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 96,773,000 | 1 | $ 49,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 84,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 62,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 75,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2017 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 2017
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 | 123 | $19,091,000 | $155,000 | $1,020,000 | $69,000 | $470,000 |
| Refinancing | 92 | $13,761,000 | $149,000 | $1,310,000 | $65,000 | $184,000 |
| Home Improvement | 34 | $2,946,000 | $86,000 | $388,000 | $209,000 | $4,000,000 |
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 | 176 | $23,429,000 | $133,000 | $400,000 | $108,000 | $4,000,000 |
| Not applicable | 40 | $8,765,000 | $219,000 | $1,310,000 | $8,000 | $184,000 |
| Not Provided | 24 | $2,402,000 | $100,000 | $375,000 | $68,000 | $154,000 |
| Hispanic | 5 | $337,000 | $67,000 | $136,000 | $33,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $294,000 | $294,000 | $294,000 | $96,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $388,000 | $388,000 | $388,000 | $384,000 | $384,000 |
| Asian | 1 | $123,000 | $123,000 | $123,000 | $34,000 | $34,000 |
| Black or African American | 1 | $60,000 | $60,000 | $60,000 | $27,000 | $27,000 |
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) | 167 | $24,251,000 | $145,000 | $1,310,000 | $107,000 | $4,000,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,798,000 | $175,000 | $375,000 | $50,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,558,000 | $118,000 | $214,000 | $46,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,191,000 | $115,000 | $319,000 | $34,000 | $86,000 |
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 | 149 | $22,258,000 | $149,000 | $1,310,000 | $87,000 | $470,000 |
| Loan Purchased By The Institution | 40 | $6,747,000 | $168,000 | $400,000 | $11,000 | $184,000 |
| Application Denied By Financial Institution | 24 | $2,420,000 | $100,000 | $284,000 | $57,000 | $129,000 |
| Application Withdrawn By Applicant | 22 | $3,057,000 | $138,000 | $319,000 | $254,000 | $4,000,000 |
| Application Approved But Not Accepted | 8 | $658,000 | $82,000 | $240,000 | $124,000 | $410,000 |
| File Closed For Incompleteness | 6 | $658,000 | $109,000 | $184,000 | $55,000 | $91,000 |
| 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 | 7 | $746,000 | $106,000 | $284,000 | $42,000 | $79,000 |
| Credit Application Incomplete | 4 | $362,000 | $90,000 | $132,000 | $69,000 | $84,000 |
| Credit History | 2 | $153,000 | $76,000 | $135,000 | $47,000 | $52,000 |
| Collateral | 2 | $233,000 | $116,000 | $180,000 | $88,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $33,000 | $33,000 | $33,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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