Williams County, ND Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,454 mortgage applications in Williams County, ND totaling $291.9 million, up 15% from 2011. The average application was for $200,000, and applicants reported an average income of $84,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Western Cooperative Credit Union, with 219 applications, followed by Gate City Bank and Wells Fargo Bank NA.

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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 1,454
Total Mortgage Loan Application Amount $291,947,000
Average Mortgage Loan Application Amount $200,000
Highest Mortgage Loan Application Amount $11,000,000
Average Applicant Income $84,000
Highest Applicant Income $960,000

Mortgage Company List for Lending in Williams County, ND for 2012

* 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
Western Cooperative Credit Union
PO BOX 2237/1300 BISON DR
WILLISTON, ND 58801
* $ 284,555,000 219 $ 41,680,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 1,403,013,000 160 $ 20,395,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 131 $ 42,824,000
Bank of North Dakota
1200 MEMORIAL HWY
BISMARCK, ND 58504
* $ 35,500,000 120 $ 22,841,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 1,088,724,000 93 $ 17,227,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 80 $ 17,183,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 67 $ 5,305,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 60 $ 12,768,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 37 $ 7,252,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 35 $ 4,306,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 28 $ 6,256,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 2,132,797,000 25 $ 3,983,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 25 $ 4,803,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 23 $ 5,523,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 739,907,000 23 $ 1,940,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 21 $ 1,761,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,283,070,000 19 $ 4,842,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 18 $ 3,208,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 17 $ 2,902,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 13 $ 3,350,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 12 $ 1,596,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 11 $ 3,124,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 9 $ 2,624,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,359,000
Minnesota Bank & Trust
7701 FRANCE AVE S SUITE 110
EDINA, MN 55435
* $ 81,457,000 8 $ 1,990,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 8 $ 729,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 7 $ 1,439,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 1,413,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 1,048,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 417,673,000 5 $ 1,289,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 5 $ 1,009,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 817,000
Security First Bank of North Dakota
700 ASH AVENUE
NEW SALEM, ND 58563
* $ 140,532,000 4 $ 535,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 4 $ 553,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 4 $ 796,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 4 $ 630,000
Dakota Community Bank & Trust, NA
608 MAIN STREET
HEBRON, ND 58638
* $ 570,006,000 4 $ 2,310,000
Bremer Bank NA (Fargo)
1444 45TH ST SW
FARGO, ND 58103
* $ 1,562,058,000 3 $ 713,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 473,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,241,069,000 3 $ 653,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 3 $ 473,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 3 $ 812,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 454,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 3 $ 587,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 3 $ 591,000
Town and Country Credit Union
615 S BROADWAY ST
MINOT, ND 58701
* $ 296,912,000 3 $ 3,091,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 1,459,365,000 2 $ 150,000
First Missouri Bank
PO BOX 190
BROOKFIELD, MO 64628
* $ 114,469,000 2 $ 590,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 2 $ 409,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 1,902,620,000 2 $ 592,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 7,294,743,000 2 $ 748,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 212,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 21,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 2,481,611,000 2 $ 9,600,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 2 $ 422,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 2 $ 208,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 2 $ 292,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 2 $ 498,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 1,154,398,000 2 $ 426,000
Blackridgebank
4040 42ND ST SW, SUITE O
FARGO, ND 58104
* $ 348,257,000 2 $ 517,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 2 $ 333,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 427,000
Bremer Bank NA (Grand Forks)
3100 SOUTH COLUMBIA RD
GRAND FORKS, ND 58201
* $ 898,474,000 2 $ 335,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 546,918,000 2 $ 146,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 2 $ 418,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 2 $ 456,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 179,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 1 $ 25,000
Wyoming Bank & Trust
5827 YELLOWSTONE RD
CHEYENNE, WY 82009
* $ 121,388,000 1 $ 205,000
Greenchoice Bank, FSB
5225 W. 25TH ST
CICERO, IL 60804
* $ 65,639,000 1 $ 152,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 477,611,000 1 $ 166,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 246,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 107,000
The First National Bank of Bagley
PO BOX N, 31 CENTRAL STREET E
BAGLEY, MN 56621
* $ 79,901,000 1 $ 30,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 255,171,000 1 $ 153,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 24,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 187,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 271,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 34,276,023,000 1 $ 162,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 1 $ 168,000
E*Trade Savings Bank
671 N. GLEBE RD 12TH FLOOR
ARLINGTON, VA 22203
* $ 1,677,184,000 1 $ 350,000
Visionbank
3000 25TH STREET SOUTH
FARGO, ND 58103
* $ 140,214,000 1 $ 410,000
The Fisher National Bank
1710 S NEIL ST SUITE 3
FISHER, IL 61843
* $ 78,906,000 1 $ 105,000
First Bank & Trust
110 N. MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 435,944,000 1 $ 395,000
The Business Bank
11100 WAYZATA BLVD SUITE 150
MINNETONKA, MN 55305
* $ 196,128,000 1 $ 284,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 1 $ 148,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 1 $ 292,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 148,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 270,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 133,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 235,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 161,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 131,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 115,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 180,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 324,000
Kirkwood Bank & Trust Co.
2911 N 14TH STREET
BISMARCK, ND 58503
* $ 167,844,000 1 $ 216,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ 896,529,000 1 $ 521,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 8,458,002,000 1 $ 105,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 103,931,000 1 $ 255,000
First State Bank
706 WASHINGTON STREET
MENDOTA, IL 61342
* $ 751,641,000 1 $ 300,000
First Community Credit Union
111 9TH ST SW
JAMESTOWN, ND 58401
* $ 381,178,000 1 $ 120,000
Jonah Bank of Wyoming
777 WEST 1ST STREET
CASPER, WY 82601
* $ 199,079,000 1 $ 400,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 414,758,000 1 $ 168,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,115,825,000 1 $ 270,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ 593,779,000 1 $ 195,000
Cornerstone Bank
2280 45TH STREET SOUTH
FARGO, ND 58104
* $ 266,422,000 1 $ 211,000
Harvest Bank
PO BOX 70
KIMBALL, MN 55353
* $ 74,872,000 1 $ 900,000

The tables below break down 2012 mortgage applications in Williams 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 Williams 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
Home Purchase 1,033 $224,583,000 $217,000 $11,000,000 $78,000 $860,000
Refinancing 332 $56,960,000 $171,000 $2,925,000 $97,000 $960,000
Home Improvement 89 $10,404,000 $116,000 $5,100,000 $107,000 $414,000

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 1,111 $196,647,000 $177,000 $700,000 $100,000 $960,000
Not applicable 224 $73,559,000 $328,000 $11,000,000 $2,000 $153,000
Not Provided 76 $14,457,000 $190,000 $2,925,000 $87,000 $321,000
Hispanic 15 $2,570,000 $171,000 $276,000 $95,000 $150,000
American Indian or Alaskan Native 13 $1,639,000 $126,000 $300,000 $87,000 $228,000
Asian 6 $1,328,000 $221,000 $345,000 $92,000 $162,000
Black or African American 5 $914,000 $182,000 $341,000 $70,000 $99,000
Native Hawaiian or Other Pacific Islander 4 $833,000 $208,000 $276,000 $83,000 $104,000

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) 811 $164,797,000 $203,000 $11,000,000 $100,000 $960,000
FHA-insured (Federal Housing Administration) 495 $97,190,000 $196,000 $283,000 $67,000 $816,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 96 $17,195,000 $179,000 $306,000 $40,000 $113,000
VA-guaranteed (Veterans Administration) 52 $12,765,000 $245,000 $388,000 $70,000 $185,000

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 728 $163,225,000 $224,000 $11,000,000 $96,000 $675,000
Loan Purchased By The Institution 250 $50,590,000 $202,000 $383,000 $27,000 $301,000
Application Denied By Financial Institution 236 $34,251,000 $145,000 $500,000 $87,000 $960,000
Application Withdrawn By Applicant 152 $29,414,000 $193,000 $520,000 $96,000 $414,000
Application Approved But Not Accepted 65 $10,235,000 $157,000 $400,000 $119,000 $860,000
File Closed For Incompleteness 23 $4,232,000 $184,000 $400,000 $112,000 $321,000
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 107 $13,564,000 $126,000 $372,000 $81,000 $816,000
Debt-To-Income Ratio 28 $4,531,000 $161,000 $500,000 $63,000 $145,000
Collateral 26 $3,660,000 $140,000 $360,000 $79,000 $263,000
Other 19 $3,285,000 $172,000 $362,000 $140,000 $816,000
Employment History 11 $1,093,000 $99,000 $280,000 $63,000 $101,000
Credit Application Incomplete 8 $1,024,000 $128,000 $315,000 $73,000 $200,000
Unverifiable Information 7 $1,568,000 $224,000 $375,000 $141,000 $339,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,437,000 $205,000 $299,000 $97,000 $160,000
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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