Walsh County, ND Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 289 mortgage applications in Walsh County, ND totaling $37.8 million, up 3% from 2020. The average application was for $130,000, and applicants reported an average income of $80,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was Bremer Bank NA, with 37 applications, followed by Gate City Bank 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 | 289 |
| Total Mortgage Loan Application Amount | $37,795,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $399,000 |
* 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 |
|---|---|---|---|---|
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 37 | $ 4,635,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 36 | $ 3,980,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,379,086,000 | 29 | $ 3,475,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 14 | $ 1,560,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 10 | $ 910,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 9 | $ 1,215,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 260,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,390,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 7 | $ 625,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 225,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 775,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 850,203,000 | 7 | $ 995,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 780,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 1,090,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 5 | $ 1,045,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 625,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 496,400,000 | 4 | $ 480,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 830,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 570,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 4 | $ 610,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 560,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 2 | $ 310,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 240,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 628,546,000 | 2 | $ 310,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 240,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,671,850,000 | 2 | $ 430,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 150,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 65,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 1,995,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 275,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 165,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 109,857,000 | 1 | $ 225,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 295,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 185,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 445,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 85,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 155,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 85,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 3,466,051,000 | 1 | $ 125,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 35,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 279,086,000 | 1 | $ 205,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,708,246,000 | 1 | $ 85,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 85,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 85,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ -1,000 | 1 | $ 85,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 155,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 115,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2021 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 2021
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 | 141 | $17,585,000 | $124,000 | $445,000 | $68,000 | $399,000 |
| Refinancing | 89 | $11,415,000 | $128,000 | $325,000 | $99,000 | $336,000 |
| Cash-out Refinancing | 39 | $5,005,000 | $128,000 | $255,000 | $78,000 | $279,000 |
| Home Improvement | 13 | $1,355,000 | $104,000 | $175,000 | $110,000 | $281,000 |
| Other Purpose | 5 | $395,000 | $79,000 | $185,000 | $87,000 | $185,000 |
| Not Applicable | 2 | $2,040,000 | $1,020,000 | $1,995,000 | $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 | 193 | $25,025,000 | $129,000 | $445,000 | $82,000 | $399,000 |
| Not Provided | 36 | $4,700,000 | $130,000 | $295,000 | $92,000 | $251,000 |
| Not applicable | 30 | $5,670,000 | $189,000 | $1,995,000 | $0 | $0 |
| Hispanic | 17 | $1,235,000 | $72,000 | $175,000 | $57,000 | $109,000 |
| American Indian or Alaskan Native | 5 | $305,000 | $61,000 | $205,000 | $62,000 | $91,000 |
| Asian | 3 | $265,000 | $88,000 | $105,000 | $36,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Black or African American | 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) | 220 | $28,570,000 | $129,000 | $1,995,000 | $86,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 47 | $5,665,000 | $120,000 | $245,000 | $53,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,905,000 | $170,000 | $445,000 | $72,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $655,000 | $131,000 | $155,000 | $55,000 | $74,000 |
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 | 174 | $25,100,000 | $144,000 | $1,995,000 | $90,000 | $399,000 |
| Application Denied By Financial Institution | 40 | $4,270,000 | $106,000 | $235,000 | $56,000 | $180,000 |
| Application Withdrawn By Applicant | 32 | $3,810,000 | $119,000 | $295,000 | $77,000 | $218,000 |
| Loan Purchased By The Institution | 21 | $2,995,000 | $142,000 | $325,000 | $0 | $0 |
| File Closed For Incompleteness | 14 | $900,000 | $64,000 | $105,000 | $56,000 | $109,000 |
| Application Approved But Not Accepted | 8 | $720,000 | $90,000 | $275,000 | $57,000 | $92,000 |
| 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 | 248 | $33,300,000 | $134,000 | $1,995,000 | $85,000 | $399,000 |
| Credit History | 18 | $1,750,000 | $97,000 | $235,000 | $56,000 | $93,000 |
| Credit Application Incomplete | 8 | $1,160,000 | $145,000 | $205,000 | $59,000 | $88,000 |
| Debt-To-Income Ratio | 5 | $675,000 | $135,000 | $225,000 | $81,000 | $180,000 |
| Collateral | 4 | $340,000 | $85,000 | $125,000 | $44,000 | $73,000 |
| Other | 3 | $155,000 | $51,000 | $105,000 | $53,000 | $79,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $155,000 | $45,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 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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