Mortgage lending in Ward County, North Dakota
Lenders in Ward County, North Dakota reported 1,951 mortgage applications for 2025, according to the CFPB.
1,951 mortgage applications and 1,378 loans originated in 2025; the denial rate was 11.7% of 1,621 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ward County, ND HUD Metro FMR Area.
- 1,951
- Applications
- 1,378
- Loans originated
- 11.7%
- Denial rate
- 189 denied of 1,621 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,951 | 1,378 |
| 2024 | 1,795 | 1,276 |
| 2023 | 1,464 | 1,045 |
| 2022 | 1,891 | 1,333 |
| 2021 | 3,374 | 2,477 |
| 2020 | 3,325 | 2,424 |
| 2019 | 1,948 | 1,469 |
| 2018 | 1,643 | 1,217 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Town and Country Credit Union | 217 | 250 |
| Gate City Bank | 201 | 267 |
| First International Bank & Trust | 175 | 200 |
| Aspire Community Federal Credit Union | 104 | 108 |
| Ark-LA-Tex Financial Services LLC | 74 | 98 |
| Mortgage Research Center | 73 | 112 |
| First Western Bank & Trust | 65 | 76 |
| Rocket Mortgage | 51 | 73 |
| loanDepot.com LLC | 40 | 63 |
| United Wholesale Mortgage | 38 | 47 |
| Bravera Bank | 36 | 39 |
| Navy Federal Credit Union | 31 | 45 |
| Pennymac Loan Services LLC | 19 | 43 |
| Dacotah Bank | 17 | 20 |
| Nextmortgage, LLC | 15 | 24 |
| Freedom Mortgage Corporation | 14 | 35 |
| US Bank, N.A. | 12 | 30 |
| Usaa Federal Savings Bank | 12 | 20 |
| A&d Mortgage LLC | 10 | 12 |
| Cornerstone Bank | 10 | 11 |
| New American Funding, LLC. | 10 | 24 |
| Figure Lending LLC | 8 | 23 |
| Coastal Community Bank | 8 | 31 |
| Old National Bank | 8 | 10 |
| Wells Fargo Bank NA | 8 | 11 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 26 | no rate: base under 50 |
| Asian | 38 | no rate: base under 50 |
| Black or African American | 40 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,429 | 11.1% of 1,196 decided |
| 2 or more minority races | under 10 | |
| Joint | 55 | no rate: base under 50 |
| Race Not Available | 351 | 12.2% of 287 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 96 | 20.5% of 78 decided |
| Not Hispanic or Latino | 1,489 | 10.5% of 1,251 decided |
| Joint | 36 | no rate: base under 50 |
| Ethnicity Not Available | 330 | 13.3% of 263 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 757 | 12.7% of 624 decided |
| Female | 302 | 18.9% of 249 decided |
| Joint | 651 | 7.3% of 551 decided |
| Sex Not Available | 241 | 11.7% of 197 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. 914 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