Ward County, ND Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 2,017 mortgage applications in Ward County, ND totaling $458.3 million, up 21% from 2023. The average application was for $227,000, and applicants reported an average income of $125,000. 63% of applications resulted in an originated loan and 10% were denied. The most active lender was Gate City Bank, with 299 applications, followed by Town and Country Credit Union and First International Bank & Trust.
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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 | 2,017 |
| Total Mortgage Loan Application Amount | $458,285,000 |
| Average Mortgage Loan Application Amount | $227,000 |
| Highest Mortgage Loan Application Amount | $5,425,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $5,389,000 |
* 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 |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 299 | $ 47,725,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 248 | $ 52,960,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 173 | $ 40,875,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 104 | $ 28,660,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 99 | $ 26,345,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 91 | $ 24,495,000 |
| Aspire Community Federal Credit Union 1430 S BROADWAY MINOT, ND 58702 |
* | $ n/a | 89 | $ 14,645,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 88 | $ 19,700,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 76 | $ 18,200,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 65 | $ 20,275,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 56 | $ 14,210,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 44 | $ 12,110,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 35 | $ 8,635,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 33 | $ 5,945,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 32 | $ 7,470,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 31 | $ 7,215,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 31 | $ 7,215,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ n/a | 29 | $ 7,495,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 26 | $ 7,100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 25 | $ 1,825,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 16 | $ 4,070,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 15 | $ 3,035,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 14 | $ 790,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 14 | $ 2,510,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 14 | $ 2,560,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 13 | $ 3,125,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 13 | $ 3,175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 13 | $ 2,235,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 12 | $ 3,160,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 9 | $ 1,615,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 8 | $ 2,310,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 8 | $ 390,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 420,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 7 | $ 2,145,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 1,605,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 1,385,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 7 | $ 1,375,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 6 | $ 740,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 6 | $ 1,470,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ n/a | 5 | $ 415,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 1,425,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 1,190,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 4 | $ 1,090,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 170,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 1,020,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 10,290,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 3 | $ 165,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ n/a | 3 | $ 655,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 455,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 695,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 675,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 965,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 475,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 3 | $ 635,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 995,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 310,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 540,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 350,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 410,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 680,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 240,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 2 | $ 470,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 300,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 560,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 560,000 |
| Great River Federal CU 1532 W ST GERMAIN STREET ST CLOUD, MN 56301 |
* | $ n/a | 2 | $ 170,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 2 | $ 240,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 2 | $ 310,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 2 | $ 460,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 330,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 2 | $ 1,300,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 655,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 45,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 445,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 1 | $ 365,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 245,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 285,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 55,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ n/a | 1 | $ 805,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 185,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 235,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 45,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 235,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 385,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 545,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 285,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 255,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 1 | $ 425,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 1 | $ 195,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 345,000 |
| Bank CMG 8020 EXCELSIOR DR STE 100 MADISON, WI 53717 |
* | $ n/a | 1 | $ 2,275,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 245,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 285,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 225,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 385,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 1 | $ 435,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 255,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 1 | $ 255,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ n/a | 1 | $ 395,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 655,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ n/a | 1 | $ 235,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ n/a | 1 | $ 35,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 425,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 185,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ n/a | 1 | $ 605,000 |
The tables below break down 2024 mortgage applications in Ward 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 Ward County, ND in 2024
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 | 1,311 | $345,015,000 | $263,000 | $5,425,000 | $124,000 | $5,389,000 |
| Cash-out Refinancing | 227 | $40,575,000 | $178,000 | $3,365,000 | $119,000 | $1,925,000 |
| Refinancing | 218 | $53,130,000 | $243,000 | $915,000 | $141,000 | $850,000 |
| Other Purpose | 133 | $11,445,000 | $86,000 | $905,000 | $130,000 | $1,500,000 |
| Home Improvement | 127 | $8,025,000 | $63,000 | $175,000 | $129,000 | $358,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $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 | 1,247 | $274,135,000 | $219,000 | $1,115,000 | $120,000 | $1,925,000 |
| Not applicable | 268 | $82,420,000 | $307,000 | $5,425,000 | $159,000 | $245,000 |
| Not Provided | 241 | $42,315,000 | $175,000 | $765,000 | $172,000 | $5,389,000 |
| Hispanic | 112 | $24,340,000 | $217,000 | $445,000 | $96,000 | $301,000 |
| Black or African American | 75 | $16,795,000 | $223,000 | $495,000 | $93,000 | $326,000 |
| Asian | 39 | $9,865,000 | $252,000 | $465,000 | $140,000 | $1,173,000 |
| American Indian or Alaskan Native | 30 | $7,020,000 | $234,000 | $385,000 | $104,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,395,000 | $279,000 | $335,000 | $130,000 | $215,000 |
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) | 1,125 | $218,385,000 | $194,000 | $5,425,000 | $142,000 | $5,389,000 |
| VA-guaranteed (Veterans Administration) | 599 | $168,675,000 | $281,000 | $705,000 | $101,000 | $858,000 |
| FHA-insured (Federal Housing Administration) | 286 | $69,920,000 | $244,000 | $505,000 | $97,000 | $1,925,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,305,000 | $186,000 | $295,000 | $82,000 | $96,000 |
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 | 1,276 | $296,460,000 | $232,000 | $5,425,000 | $121,000 | $1,179,000 |
| Application Withdrawn By Applicant | 238 | $56,280,000 | $236,000 | $855,000 | $171,000 | $5,389,000 |
| Loan Purchased By The Institution | 216 | $59,450,000 | $275,000 | $675,000 | $130,000 | $245,000 |
| Application Denied By Financial Institution | 195 | $29,485,000 | $151,000 | $1,115,000 | $98,000 | $1,119,000 |
| File Closed For Incompleteness | 46 | $7,940,000 | $172,000 | $585,000 | $134,000 | $1,500,000 |
| Application Approved But Not Accepted | 40 | $7,320,000 | $183,000 | $455,000 | $106,000 | $198,000 |
| Preapproval Denied by Financial Institution | 6 | $1,350,000 | $225,000 | $355,000 | $53,000 | $96,000 |
| Preapproval Approved but not Accepted | 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 | 1,782 | $419,580,000 | $235,000 | $5,425,000 | $129,000 | $5,389,000 |
| Debt-To-Income Ratio | 92 | $16,860,000 | $183,000 | $805,000 | $93,000 | $780,000 |
| Credit History | 61 | $6,735,000 | $110,000 | $395,000 | $98,000 | $318,000 |
| Collateral | 42 | $7,900,000 | $188,000 | $1,115,000 | $131,000 | $1,119,000 |
| Credit Application Incomplete | 20 | $2,910,000 | $145,000 | $395,000 | $100,000 | $198,000 |
| Other | 9 | $1,435,000 | $159,000 | $365,000 | $124,000 | $350,000 |
| Unverifiable Information | 4 | $1,220,000 | $305,000 | $605,000 | $87,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $810,000 | $202,000 | $405,000 | $55,000 | $92,000 |
| Employment History | 3 | $835,000 | $278,000 | $345,000 | $61,000 | $73,000 |
| 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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