Walsh County, ND Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 370 mortgage applications in Walsh County, ND totaling $19.2 million, down 7% from 2004. The average application was for $51,000, and applicants reported an average income of $45,000. 48% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 44 applications, followed by Bremer Bank NA (Grand Forks) and Citifinancial, 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 | 370 |
| Total Mortgage Loan Application Amount | $19,235,000 |
| Average Mortgage Loan Application Amount | $51,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $45,000 |
| 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 |
* | $ 366,256,000,000 | 44 | $ 1,796,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 637,365,000 | 41 | $ 2,202,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 29 | $ 1,326,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 24 | $ 1,548,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 639,000 |
| Wells Fargo Fin'l North Dakota 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 68,103,000 | 18 | $ 899,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 14 | $ 1,279,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 767,323,000 | 13 | $ 378,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 13 | $ 509,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 9 | $ 660,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 8 | $ 410,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 483,291,000 | 8 | $ 473,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 7 | $ 338,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 6 | $ 473,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 6 | $ 312,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 161,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 5 | $ 413,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 5 | $ 201,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 385,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 631,033,000 | 4 | $ 179,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 4 | $ 137,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 280,789,000 | 4 | $ 134,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,201,351,000 | 4 | $ 137,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 88,568,000 | 3 | $ 26,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 3 | $ 228,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 3 | $ 104,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 3 | $ 136,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 204,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 3 | $ 266,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 27,779,034,000 | 3 | $ 89,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 200,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 3 | $ 242,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 3 | $ 145,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 2 | $ 64,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 2 | $ 176,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 2 | $ 75,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 2 | $ 119,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 2 | $ 69,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 90,000 |
| Community Bank of the Rrv 1616 S WASHINGTON ST GRAND FORKS, ND 58201 |
* | $ 228,836,000 | 2 | $ 139,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 2 | $ 146,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 2 | $ 87,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 104,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 133,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 2 | $ 160,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 60,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 59,000 |
| The Lending Connection, Inc 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 1 | $ 60,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 36,000 |
| Quick Loan Funding Inc 535 ANTON BLVD, SUITE 600 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 66,000 |
| Citibank (West), FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 101,916,468,000 | 1 | $ 50,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 243,421,000 | 1 | $ 41,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,025,674,000 | 1 | $ 22,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 72,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 1 | $ 25,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 1 | $ 49,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 1 | $ 24,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 1 | $ 73,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 1 | $ 88,000 |
The tables below break down 2005 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 2005
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 | 198 | $11,313,000 | $57,000 | $300,000 | $54,000 | $720,000 |
| Home Purchase | 123 | $6,807,000 | $55,000 | $205,000 | $35,000 | $94,000 |
| Home Improvement | 49 | $1,115,000 | $22,000 | $105,000 | $44,000 | $96,000 |
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 | 304 | $15,764,000 | $51,000 | $300,000 | $45,000 | $720,000 |
| Not Provided | 29 | $1,512,000 | $52,000 | $126,000 | $72,000 | $600,000 |
| Not applicable | 22 | $1,155,000 | $52,000 | $205,000 | $5,000 | $56,000 |
| Hispanic | 10 | $516,000 | $51,000 | $120,000 | $43,000 | $87,000 |
| American Indian or Alaskan Native | 4 | $213,000 | $53,000 | $67,000 | $35,000 | $50,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $43,000 | $43,000 |
| Asian | 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) | 333 | $17,480,000 | $52,000 | $300,000 | $47,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 25 | $1,121,000 | $44,000 | $99,000 | $29,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $397,000 | $66,000 | $102,000 | $43,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 6 | $237,000 | $39,000 | $60,000 | $36,000 | $50,000 |
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 | 176 | $8,901,000 | $50,000 | $205,000 | $46,000 | $267,000 |
| Application Denied By Financial Institution | 87 | $4,030,000 | $46,000 | $120,000 | $39,000 | $331,000 |
| Loan Purchased By The Institution | 41 | $2,392,000 | $58,000 | $205,000 | $19,000 | $97,000 |
| Application Withdrawn By Applicant | 30 | $1,665,000 | $55,000 | $130,000 | $59,000 | $720,000 |
| Application Approved But Not Accepted | 24 | $1,244,000 | $51,000 | $105,000 | $47,000 | $97,000 |
| File Closed For Incompleteness | 12 | $1,003,000 | $83,000 | $300,000 | $126,000 | $600,000 |
| 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 | 19 | $651,000 | $34,000 | $72,000 | $34,000 | $82,000 |
| Other | 18 | $1,033,000 | $57,000 | $104,000 | $48,000 | $331,000 |
| Collateral | 7 | $376,000 | $53,000 | $81,000 | $53,000 | $100,000 |
| Debt-To-Income Ratio | 7 | $349,000 | $49,000 | $120,000 | $31,000 | $45,000 |
| Credit Application Incomplete | 4 | $218,000 | $54,000 | $63,000 | $35,000 | $45,000 |
| Unverifiable Information | 1 | $54,000 | $54,000 | $54,000 | $62,000 | $62,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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