Mortgage lending in Cass County, North Dakota
Lenders in Cass County, North Dakota reported 5,676 mortgage applications for 2025, according to the CFPB.
5,676 mortgage applications and 4,100 loans originated in 2025; the denial rate was 11.2% of 4,748 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Fargo, ND-MN MSA.
- 5,676
- Applications
- 4,100
- Loans originated
- 11.2%
- Denial rate
- 530 denied of 4,748 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,676 | 4,100 |
| 2024 | 5,254 | 3,919 |
| 2023 | 4,892 | 3,667 |
| 2022 | 6,490 | 4,921 |
| 2021 | 10,958 | 8,520 |
| 2020 | 12,151 | 9,458 |
| 2019 | 6,942 | 5,405 |
| 2018 | 6,269 | 4,918 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gate City Bank | 747 | 951 |
| Bell Bank | 580 | 689 |
| First International Bank & Trust | 262 | 305 |
| United Wholesale Mortgage | 208 | 253 |
| Town and Country Credit Union | 187 | 237 |
| Valley Mortgage, Inc. | 155 | 173 |
| First Community Credit Union | 123 | 161 |
| Alerus Financial NA | 106 | 135 |
| Rocket Mortgage | 98 | 139 |
| Western State Bank | 88 | 132 |
| Guild Mortgage Company | 82 | 100 |
| US Bank, N.A. | 79 | 166 |
| First Western Bank & Trust | 69 | 85 |
| Cambria Financial Group | 69 | 75 |
| Capital Credit Union | 65 | 82 |
| Guaranteed Rate, Inc. | 63 | 119 |
| Choice Financial Group | 62 | 74 |
| Fairway Independent Mort Corp | 58 | 65 |
| Bravera Bank | 50 | 57 |
| Newrez LLC | 46 | 95 |
| Old National Bank | 42 | 57 |
| Mortgage Research Center | 41 | 82 |
| American Federal Bank | 36 | 53 |
| Bank Forward | 34 | 34 |
| CMG Mortgage Inc | 31 | 41 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 32 | no rate: base under 50 |
| Asian | 143 | 23.3% of 120 decided |
| Black or African American | 156 | 21.1% of 123 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,370 | 10.7% of 3,679 decided |
| 2 or more minority races | under 10 | |
| Joint | 136 | 6.3% of 111 decided |
| Race Not Available | 829 | 9.6% of 685 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 108 | 20.2% of 84 decided |
| Not Hispanic or Latino | 4,645 | 11.1% of 3,901 decided |
| Joint | 66 | 13.0% of 54 decided |
| Ethnicity Not Available | 857 | 10.3% of 709 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,685 | 15.3% of 1,388 decided |
| Female | 948 | 16.7% of 774 decided |
| Joint | 2,405 | 7.4% of 2,036 decided |
| Sex Not Available | 638 | 6.9% of 550 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 700 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved