Walsh County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 211 mortgage applications in Walsh County, ND totaling $37.0 million, up 9% from 2024. The average application was for $175,000, and applicants reported an average income of $103,000. 57% of applications resulted in an originated loan and 19% were denied. The most active lender was First United Bank, with 17 applications, followed by Alerus Financial NA and Old National Bank.
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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 | 211 |
| Total Mortgage Loan Application Amount | $37,045,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $660,000 |
* 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 |
|---|---|---|---|---|
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ n/a | 17 | $ 2,855,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 16 | $ 1,750,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 13 | $ 1,545,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 13 | $ 1,285,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 11 | $ 8,825,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 1,710,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 1,755,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 1,120,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 615,000 |
| Kodabank 104 S MAIN ST DRAYTON, ND 58225 |
* | $ n/a | 6 | $ 700,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 6 | $ 510,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 555,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 5 | $ 755,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 5 | $ 545,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 660,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 1,420,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 645,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 295,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 525,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 425,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 275,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 2 | $ 350,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 180,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 370,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 2 | $ 640,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 200,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 620,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 2 | $ 230,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 70,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 200,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 145,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 105,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 1 | $ 195,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 1 | $ 245,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 215,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 235,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ n/a | 1 | $ 215,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 55,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 1 | $ 85,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 105,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 35,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 335,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 1 | $ 225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 205,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 135,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 125,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ n/a | 1 | $ 75,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2025 mortgage applications in Walsh 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 Walsh 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 | 91 | $23,385,000 | $256,000 | $8,005,000 | $99,000 | $355,000 |
| Cash-out Refinancing | 44 | $5,190,000 | $117,000 | $225,000 | $81,000 | $190,000 |
| Refinancing | 38 | $5,170,000 | $136,000 | $335,000 | $122,000 | $660,000 |
| Other Purpose | 23 | $2,285,000 | $99,000 | $255,000 | $114,000 | $440,000 |
| Home Improvement | 15 | $1,015,000 | $67,000 | $245,000 | $134,000 | $321,000 |
| 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 | 143 | $20,385,000 | $142,000 | $445,000 | $109,000 | $660,000 |
| Not Provided | 27 | $3,285,000 | $121,000 | $345,000 | $92,000 | $251,000 |
| Not applicable | 18 | $10,540,000 | $585,000 | $8,005,000 | $58,000 | $71,000 |
| Hispanic | 16 | $1,960,000 | $122,000 | $355,000 | $83,000 | $140,000 |
| Black or African American | 4 | $520,000 | $130,000 | $205,000 | $36,000 | $57,000 |
| American Indian or Alaskan Native | 2 | $280,000 | $140,000 | $205,000 | $137,000 | $190,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $51,000 | $51,000 |
| 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) | 155 | $27,715,000 | $178,000 | $8,005,000 | $110,000 | $660,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,945,000 | $136,000 | $235,000 | $74,000 | $134,000 |
| VA-guaranteed (Veterans Administration) | 27 | $5,385,000 | $199,000 | $335,000 | $92,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 120 | $24,740,000 | $206,000 | $8,005,000 | $108,000 | $660,000 |
| Application Denied By Financial Institution | 41 | $5,035,000 | $122,000 | $445,000 | $84,000 | $253,000 |
| Application Withdrawn By Applicant | 28 | $3,780,000 | $135,000 | $335,000 | $109,000 | $251,000 |
| File Closed For Incompleteness | 9 | $1,245,000 | $138,000 | $215,000 | $107,000 | $190,000 |
| Loan Purchased By The Institution | 9 | $1,505,000 | $167,000 | $315,000 | $58,000 | $71,000 |
| Application Approved But Not Accepted | 4 | $740,000 | $185,000 | $345,000 | $129,000 | $187,000 |
| 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 | 146 | $28,240,000 | $193,000 | $8,005,000 | $105,000 | $660,000 |
| Debt-To-Income Ratio | 31 | $4,415,000 | $142,000 | $385,000 | $118,000 | $321,000 |
| Credit History | 22 | $3,350,000 | $152,000 | $445,000 | $89,000 | $253,000 |
| Collateral | 5 | $555,000 | $111,000 | $225,000 | $77,000 | $165,000 |
| Credit Application Incomplete | 3 | $105,000 | $35,000 | $45,000 | $70,000 | $80,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $14,000 | $14,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $122,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $41,000 | $41,000 |
| 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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