Mortgage lending in Stark County, North Dakota
Lenders in Stark County, North Dakota reported 1,092 mortgage applications for 2025, according to the CFPB.
1,092 mortgage applications and 721 loans originated in 2025; the denial rate was 17.1% of 898 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Stark County, ND.
- 1,092
- Applications
- 721
- Loans originated
- 17.1%
- Denial rate
- 154 denied of 898 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,092 | 721 |
| 2024 | 922 | 638 |
| 2023 | 791 | 564 |
| 2022 | 1,118 | 754 |
| 2021 | 2,027 | 1,487 |
| 2020 | 2,289 | 1,675 |
| 2019 | 1,447 | 1,024 |
| 2018 | 1,161 | 831 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gate City Bank | 95 | 139 |
| Dakota Community Bank & Trust, NA | 89 | 112 |
| Bravera Bank | 54 | 65 |
| Presidential Bank, FSB | 51 | 58 |
| Western Cooperative Credit Union | 40 | 49 |
| Granite Bank | 33 | 43 |
| Ark-LA-Tex Financial Services LLC | 31 | 37 |
| Rocket Mortgage | 29 | 41 |
| Fairway Independent Mort Corp | 27 | 42 |
| US Bank, N.A. | 24 | 39 |
| 21ST Mortgage | 20 | 53 |
| Dacotah Bank | 19 | 21 |
| Mortgage Research Center | 16 | 25 |
| Pennymac Loan Services LLC | 13 | 26 |
| BMO Harris Bank NA | 11 | 16 |
| Guild Mortgage Company | 11 | 14 |
| First Colony Mortgage Corporat | 10 | 12 |
| Cornerstone Bank | 9 | 12 |
| Choice Financial Group | 9 | 11 |
| loanDepot.com LLC | 7 | 14 |
| Kirkwood Bank & Trust Co. | 7 | 10 |
| American Neighborhood Mortgage Acceptance Company | 7 | 10 |
| United Wholesale Mortgage | 7 | 15 |
| Freedom Mortgage Corporation | 7 | 12 |
| Bankwest, Inc. | 6 | 12 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 10 | no rate: base under 50 |
| Black or African American | 21 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 902 | 15.4% of 745 decided |
| 2 or more minority races | under 10 | |
| Joint | 18 | no rate: base under 50 |
| Race Not Available | 129 | 23.1% of 104 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 64 | 23.2% of 56 decided |
| Not Hispanic or Latino | 874 | 15.9% of 723 decided |
| Joint | 27 | no rate: base under 50 |
| Ethnicity Not Available | 127 | 23.5% of 98 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 459 | 19.9% of 382 decided |
| Female | 140 | 17.0% of 112 decided |
| Joint | 410 | 14.2% of 337 decided |
| Sex Not Available | 83 | 16.4% of 67 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. 624 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