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Mortgage lending in North Dakota

Lenders in North Dakota reported 20,568 mortgage applications for 2025, according to the CFPB.

20,568 mortgage applications and 14,333 loans originated in 2025. 2,353 of the 17,145 applications decided were denied, 13.7%. From 2025, the CFPB’s Snapshot release.

20,568
Applications
14,333
Loans originated
17.9 per 1,000 residents, over the Census Bureau's 2025 estimate.
13.7%
Denial rate
2,353 denied of 17,145 applications decided.

The largest lenders in North Dakota

2 more columns on a wider screen

Lenders in North Dakota by loans originated, 2025
RankLenderOriginated
1Gate City Bank2,368
2First International Bank & Trust941
3United Wholesale Mortgage725
4Bell Bank674
5Rocket Mortgage549
6First Community Credit Union518
7Capital Credit Union516
8Town and Country Credit Union470
9Fairway Independent Mort Corp382
10Bravera Bank326
11Dakota Community Bank & Trust, NA281
12Mortgage Research Center276
13US Bank, N.A.239
14Alerus Financial NA235
15First Western Bank & Trust205
16Ark-LA-Tex Financial Services LLC176
17Valley Mortgage, Inc.172
18Choice Financial Group168
19Starion Bank166
20Aspire Community Federal Credit Union145
21Granite Bank136
22Old National Bank135
23Western State Bank121
24loanDepot.com LLC121
25Kirkwood Bank & Trust Co.120

Counties in North Dakota

1 more column on a wider screen

Counties in North Dakota by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Cass County4,100$235,000
Burleigh County2,202$225,000
Ward County1,378$215,000
Grand Forks County1,263$205,000
Morton County757$195,000
Stark County721$245,000
Williams County712$285,000
Stutsman County386$125,000
Richland County313$145,000
McKenzie County226$335,000
McLean County168$185,000
Barnes County162$155,000
Ramsey County158$175,000
Traill County155$175,000
Mercer County148$175,000
Walsh County120$135,000
Mountrail County95$185,000
Pembina County88$135,000
Bottineau County86$200,000
McHenry County68$180,000
Dickey County61$135,000
Ransom County59$175,000
Dunn County57$225,000
Wells County54$120,000
Emmons County50$90,000
Cavalier County48under 50 loans
LaMoure County47under 50 loans
Renville County41under 50 loans
Foster County40under 50 loans
Kidder County39under 50 loans
McIntosh County39under 50 loans
Nelson County35under 50 loans
Sargent County34under 50 loans
Oliver County32under 50 loans
Pierce County32under 50 loans
Hettinger County28under 50 loans
Rolette County28under 50 loans
Burke County27under 50 loans
Golden Valley County27under 50 loans
Towner County26under 50 loans
Bowman County24under 50 loans
Eddy County23under 50 loans
Griggs County23under 50 loans
Steele County23under 50 loans
Grant County22under 50 loans
Benson County21under 50 loans
Logan County21under 50 loans
Divide County18under 50 loans
Adams County17under 50 loans
Sheridan County10under 50 loans
Billings County7under 50 loans
Sioux County2under 50 loans
Slope County1under 50 loans

North Dakota elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Cities by violent crime rate in North Dakota Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Population, age, income and origin Demographics

    The Census Bureau's population estimates year by year, with births, deaths and migration, and age, income, poverty, housing and origin from the American Community Survey, each with its margin of error.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • Cost of living Cost of living

    BEA’s price level for the state against the nation, for goods, rents, utilities and other services, and its metro areas beside it.

  • County health County health

    CDC’s model-based estimates of adult health, risk behaviors and prevention for every county in the state, each with its 95% interval.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The North Dakota Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration hub has no page for this state: EOIR runs no immigration court here, and CBP publishes by sector and field office, which are its own areas of responsibility rather than a geography. Immigration and the border.

More about North Dakota →

Sources

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