Mortgage lending in Grand Forks County, North Dakota
Lenders in Grand Forks County, North Dakota reported 1,705 mortgage applications for 2025, according to the CFPB.
1,705 mortgage applications and 1,263 loans originated in 2025; the denial rate was 11.0% of 1,460 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Grand Forks, ND-MN MSA.
- 1,705
- Applications
- 1,263
- Loans originated
- 11.0%
- Denial rate
- 161 denied of 1,460 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,705 | 1,263 |
| 2024 | 1,618 | 1,177 |
| 2023 | 1,418 | 1,053 |
| 2022 | 1,974 | 1,446 |
| 2021 | 3,310 | 2,473 |
| 2020 | 3,462 | 2,588 |
| 2019 | 2,298 | 1,730 |
| 2018 | 1,986 | 1,521 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gate City Bank | 254 | 314 |
| United Wholesale Mortgage | 160 | 178 |
| Alerus Financial NA | 99 | 123 |
| First International Bank & Trust | 69 | 81 |
| Barrington Bank & Trust Company, N.A. | 55 | 66 |
| First Community Credit Union | 47 | 59 |
| Old National Bank | 40 | 54 |
| First State Bank | 37 | 38 |
| Rocket Mortgage | 36 | 47 |
| United Valley Bank | 31 | 33 |
| Frandsen Bank & Trust | 30 | 39 |
| Granite Bank | 29 | 35 |
| Nations Lending Corporation | 26 | 28 |
| Florida Capital Bank, N.A | 24 | 25 |
| US Bank, N.A. | 21 | 38 |
| Mortgage Research Center | 18 | 38 |
| Ark-LA-Tex Financial Services LLC | 17 | 24 |
| Bremer Bank NA | 14 | 17 |
| American Federal Bank | 13 | 23 |
| Bank Forward | 12 | 15 |
| Choice Financial Group | 11 | 17 |
| Freedom Mortgage Corporation | 11 | 19 |
| 21ST Mortgage | 10 | 41 |
| KodaBank | 9 | 9 |
| Bell Bank | 9 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 24 | no rate: base under 50 |
| Black or African American | 30 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,351 | 10.5% of 1,154 decided |
| Joint | 26 | no rate: base under 50 |
| Race Not Available | 256 | 7.7% of 221 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 50 | no rate: base under 50 |
| Not Hispanic or Latino | 1,397 | 10.8% of 1,194 decided |
| Joint | withheld | |
| Ethnicity Not Available | 241 | 8.4% of 215 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 526 | 12.8% of 436 decided |
| Female | 274 | 19.3% of 244 decided |
| Joint | 732 | 7.5% of 625 decided |
| Sex Not Available | 173 | 7.1% of 155 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. 1043 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