Mortgage lending in Ramsey County, North Dakota
Lenders in Ramsey County, North Dakota reported 246 mortgage applications for 2025, according to the CFPB.
246 mortgage applications and 158 loans originated in 2025; the denial rate was 20.5% of 205 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ramsey County, ND.
- 246
- Applications
- 158
- Loans originated
- 20.5%
- Denial rate
- 42 denied of 205 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 246 | 158 |
| 2024 | 252 | 172 |
| 2023 | 208 | 147 |
| 2022 | 296 | 195 |
| 2021 | 451 | 332 |
| 2020 | 443 | 340 |
| 2019 | 291 | 217 |
| 2018 | 285 | 196 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Community Credit Union | 36 | 45 |
| Gate City Bank | 27 | 46 |
| Western State Bank | 17 | 17 |
| First United Bank | 11 | 13 |
| United Wholesale Mortgage | 9 | 11 |
| Bravera Bank | 8 | 8 |
| Mortgage Research Center | 7 | 18 |
| Rocket Mortgage | 7 | 9 |
| Bremer Bank NA | 5 | 6 |
| Old National Bank | 3 | 4 |
| Bank Forward | 3 | 3 |
| Coastal Community Bank | 2 | 4 |
| loanDepot.com LLC | 2 | 5 |
| Triad Financial Services, Inc. | 2 | 2 |
| Newrez LLC | 2 | 3 |
| KodaBank | 1 | 1 |
| Bank Five Nine | 1 | 1 |
| Figure Lending LLC | 1 | 2 |
| Starion Bank | 1 | 1 |
| First International Bank & Trust | 1 | 1 |
| Dakota Community Bank & Trust, NA | 1 | 1 |
| Cornerstone Bank | 1 | 1 |
| Bankwest, Inc. | 1 | 1 |
| Choice Financial Group | 1 | 2 |
| Alerus Financial NA | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 198 | 19.3% of 166 decided |
| Joint | under 10 | |
| Race Not Available | 35 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 200 | 18.7% of 166 decided |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 95 | 28.4% of 74 decided |
| Female | 45 | no rate: base under 50 |
| Joint | 79 | 14.5% of 69 decided |
| Sex Not Available | 27 | no rate: base under 50 |
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. 1455 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