Mortgage lending in Richland County, North Dakota
Lenders in Richland County, North Dakota reported 464 mortgage applications for 2025, according to the CFPB.
464 mortgage applications and 313 loans originated in 2025; the denial rate was 18.7% of 396 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Richland County, ND.
- 464
- Applications
- 313
- Loans originated
- 18.7%
- Denial rate
- 74 denied of 396 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 464 | 313 |
| 2024 | 405 | 280 |
| 2023 | 371 | 273 |
| 2022 | 506 | 368 |
| 2021 | 762 | 549 |
| 2020 | 775 | 570 |
| 2019 | 550 | 413 |
| 2018 | 485 | 351 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gate City Bank | 59 | 70 |
| Bell Bank | 58 | 72 |
| United Wholesale Mortgage | 35 | 41 |
| First Community Credit Union | 31 | 40 |
| Rocket Mortgage | 13 | 19 |
| Old National Bank | 8 | 12 |
| Town and Country Credit Union | 7 | 8 |
| BMO Harris Bank NA | 6 | 9 |
| First International Bank & Trust | 6 | 6 |
| US Bank, N.A. | 6 | 15 |
| Cambria Financial Group | 5 | 5 |
| Mortgage Research Center | 5 | 9 |
| Bremer Bank NA | 4 | 7 |
| Newrez LLC | 4 | 8 |
| Valley Mortgage, Inc. | 4 | 4 |
| AgCountry Farm Credit Services, FLCA | 3 | 3 |
| Western State Bank | 3 | 4 |
| Wells Fargo Bank NA | 3 | 3 |
| Empeople Credit Union | 2 | 2 |
| Figure Lending LLC | 2 | 7 |
| Coastal Community Bank | 2 | 4 |
| Cornerstone Bank | 2 | 2 |
| Primary Residential Mortgage, INC. | 2 | 4 |
| Alerus Financial NA | 2 | 3 |
| CMG Mortgage Inc | 2 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 410 | 17.3% of 352 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 41 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 414 | 17.6% of 353 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 36 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 163 | 18.4% of 141 decided |
| Female | 71 | 21.7% of 60 decided |
| Joint | 203 | 17.7% of 175 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. 2038 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