Walsh County, ND Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 284 mortgage applications in Walsh County, ND totaling $25.8 million, up 15% from 2012. The average application was for $90,000, and applicants reported an average income of $70,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank NA, with 45 applications, followed by Bremer Bank NA (Grand Forks) and US Bank, N.A..
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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 | 284 |
| Total Mortgage Loan Application Amount | $25,835,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $504,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $569,000 |
| 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 |
* | $ 1,266,125,000,000 | 45 | $ 3,094,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 981,868,000 | 37 | $ 3,146,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 34 | $ 3,401,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,537,823,000 | 23 | $ 1,141,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,281,268,000 | 19 | $ 2,270,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 651,968,000 | 17 | $ 1,488,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 15 | $ 1,616,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,315,127,000 | 13 | $ 1,175,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 12 | $ 1,409,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 154,039,000 | 11 | $ 1,494,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 277,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 5 | $ 590,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 391,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,460,729,000 | 4 | $ 344,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 150,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 337,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,553,174,000 | 3 | $ 236,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 120,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 485,210,000 | 2 | $ 464,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 174,218,000 | 2 | $ 278,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 192,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 90,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 37,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 59,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 259,175,000 | 1 | $ 120,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 50,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 43,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 125,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 67,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 236,589,000 | 1 | $ 120,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 114,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 114,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 79,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 86,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 128,000 |
The tables below break down 2013 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 2013
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 | 142 | $14,605,000 | $102,000 | $504,000 | $85,000 | $569,000 |
| Home Purchase | 103 | $9,351,000 | $90,000 | $240,000 | $53,000 | $267,000 |
| Home Improvement | 39 | $1,879,000 | $48,000 | $325,000 | $57,000 | $166,000 |
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 | 237 | $21,586,000 | $91,000 | $300,000 | $79,000 | $569,000 |
| Not applicable | 27 | $3,324,000 | $123,000 | $504,000 | $2,000 | $70,000 |
| Not Provided | 9 | $505,000 | $56,000 | $115,000 | $62,000 | $112,000 |
| Hispanic | 9 | $322,000 | $35,000 | $63,000 | $41,000 | $97,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $101,000 | $101,000 |
| Asian | 1 | $3,000 | $3,000 | $3,000 | $36,000 | $36,000 |
| Black or African American | 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) | 214 | $19,575,000 | $91,000 | $504,000 | $79,000 | $569,000 |
| FHA-insured (Federal Housing Administration) | 44 | $3,700,000 | $84,000 | $148,000 | $38,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,714,000 | $95,000 | $128,000 | $41,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 8 | $846,000 | $105,000 | $151,000 | $56,000 | $108,000 |
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 | 151 | $13,357,000 | $88,000 | $504,000 | $75,000 | $569,000 |
| Application Denied By Financial Institution | 51 | $4,407,000 | $86,000 | $280,000 | $66,000 | $327,000 |
| Loan Purchased By The Institution | 41 | $4,099,000 | $99,000 | $268,000 | $44,000 | $315,000 |
| Application Withdrawn By Applicant | 19 | $2,108,000 | $110,000 | $232,000 | $84,000 | $175,000 |
| Application Approved But Not Accepted | 16 | $1,499,000 | $93,000 | $240,000 | $80,000 | $267,000 |
| File Closed For Incompleteness | 6 | $365,000 | $60,000 | $79,000 | $56,000 | $126,000 |
| 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 | 14 | $805,000 | $57,000 | $160,000 | $56,000 | $108,000 |
| Debt-To-Income Ratio | 10 | $925,000 | $92,000 | $232,000 | $44,000 | $138,000 |
| Collateral | 7 | $1,143,000 | $163,000 | $280,000 | $129,000 | $327,000 |
| Credit Application Incomplete | 5 | $330,000 | $66,000 | $111,000 | $64,000 | $90,000 |
| Other | 3 | $112,000 | $37,000 | $71,000 | $60,000 | $70,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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