Walsh County, ND Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 247 mortgage applications in Walsh County, ND totaling $19.5 million, up 8% from 2011. The average application was for $78,000, and applicants reported an average income of $73,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank NA, with 64 applications, followed by Bremer Bank NA (Grand Forks) and Choice Financial Group.
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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 | 247 |
| Total Mortgage Loan Application Amount | $19,494,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $254,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,091,000 |
| 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 |
* | $ 1,161,490,000,000 | 64 | $ 4,539,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 898,474,000 | 33 | $ 2,324,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 593,779,000 | 24 | $ 1,926,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 23 | $ 2,443,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 20 | $ 1,161,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 14 | $ 1,275,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,403,013,000 | 14 | $ 930,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 10 | $ 949,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 707,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,439,611,000 | 3 | $ 121,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,154,398,000 | 3 | $ 225,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 212,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 2 | $ 218,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 325,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 161,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 439,564,000 | 2 | $ 216,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 32,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 1 | $ 120,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,088,724,000 | 1 | $ 110,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 78,000 |
| First Holding Company of Cavalier, Inc. PO BOX 170 CAVALIER, ND 58220 |
* | $ 225,584,000 | 1 | $ 51,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 145,486,000 | 1 | $ 108,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,226,619,000 | 1 | $ 200,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 65,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 41,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 1 | $ 40,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 62,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 91,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 116,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 1 | $ 77,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 105,000 |
The tables below break down 2012 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 2012
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 | 145 | $12,169,000 | $83,000 | $254,000 | $84,000 | $1,091,000 |
| Home Purchase | 80 | $6,298,000 | $78,000 | $207,000 | $54,000 | $184,000 |
| Home Improvement | 22 | $1,027,000 | $46,000 | $106,000 | $64,000 | $161,000 |
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 | 213 | $17,163,000 | $80,000 | $254,000 | $76,000 | $1,091,000 |
| Not Provided | 14 | $1,030,000 | $73,000 | $180,000 | $70,000 | $270,000 |
| Hispanic | 9 | $349,000 | $38,000 | $72,000 | $64,000 | $157,000 |
| Not applicable | 7 | $703,000 | $100,000 | $195,000 | $0 | $0 |
| Asian | 3 | $185,000 | $61,000 | $66,000 | $30,000 | $49,000 |
| Black or African American | 1 | $64,000 | $64,000 | $64,000 | $39,000 | $39,000 |
| 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) | 190 | $14,992,000 | $78,000 | $254,000 | $81,000 | $1,091,000 |
| FHA-insured (Federal Housing Administration) | 40 | $3,275,000 | $81,000 | $195,000 | $44,000 | $161,000 |
| VA-guaranteed (Veterans Administration) | 10 | $736,000 | $73,000 | $105,000 | $50,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $491,000 | $70,000 | $89,000 | $40,000 | $45,000 |
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 | 141 | $11,395,000 | $80,000 | $240,000 | $82,000 | $1,091,000 |
| Application Denied By Financial Institution | 38 | $2,495,000 | $65,000 | $160,000 | $60,000 | $240,000 |
| Application Withdrawn By Applicant | 35 | $2,782,000 | $79,000 | $254,000 | $63,000 | $272,000 |
| Application Approved But Not Accepted | 14 | $1,060,000 | $75,000 | $120,000 | $88,000 | $153,000 |
| Loan Purchased By The Institution | 12 | $1,008,000 | $84,000 | $195,000 | $22,000 | $95,000 |
| File Closed For Incompleteness | 7 | $754,000 | $107,000 | $253,000 | $67,000 | $104,000 |
| 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 | 15 | $963,000 | $64,000 | $160,000 | $55,000 | $105,000 |
| Collateral | 6 | $351,000 | $58,000 | $112,000 | $55,000 | $83,000 |
| Credit Application Incomplete | 5 | $344,000 | $68,000 | $116,000 | $61,000 | $100,000 |
| Debt-To-Income Ratio | 4 | $219,000 | $54,000 | $75,000 | $42,000 | $54,000 |
| Other | 3 | $193,000 | $64,000 | $71,000 | $110,000 | $240,000 |
| Employment History | 2 | $218,000 | $109,000 | $144,000 | $63,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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