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
| Rank | Lender | Originated |
|---|---|---|
| 1 | Gate City Bank | 2,368 |
| 2 | First International Bank & Trust | 941 |
| 3 | United Wholesale Mortgage | 725 |
| 4 | Bell Bank | 674 |
| 5 | Rocket Mortgage | 549 |
| 6 | First Community Credit Union | 518 |
| 7 | Capital Credit Union | 516 |
| 8 | Town and Country Credit Union | 470 |
| 9 | Fairway Independent Mort Corp | 382 |
| 10 | Bravera Bank | 326 |
| 11 | Dakota Community Bank & Trust, NA | 281 |
| 12 | Mortgage Research Center | 276 |
| 13 | US Bank, N.A. | 239 |
| 14 | Alerus Financial NA | 235 |
| 15 | First Western Bank & Trust | 205 |
| 16 | Ark-LA-Tex Financial Services LLC | 176 |
| 17 | Valley Mortgage, Inc. | 172 |
| 18 | Choice Financial Group | 168 |
| 19 | Starion Bank | 166 |
| 20 | Aspire Community Federal Credit Union | 145 |
| 21 | Granite Bank | 136 |
| 22 | Old National Bank | 135 |
| 23 | Western State Bank | 121 |
| 24 | loanDepot.com LLC | 121 |
| 25 | Kirkwood Bank & Trust Co. | 120 |
Counties in North Dakota
1 more column on a wider screen
| County | Originated | Median loan |
|---|---|---|
| Cass County | 4,100 | $235,000 |
| Burleigh County | 2,202 | $225,000 |
| Ward County | 1,378 | $215,000 |
| Grand Forks County | 1,263 | $205,000 |
| Morton County | 757 | $195,000 |
| Stark County | 721 | $245,000 |
| Williams County | 712 | $285,000 |
| Stutsman County | 386 | $125,000 |
| Richland County | 313 | $145,000 |
| McKenzie County | 226 | $335,000 |
| McLean County | 168 | $185,000 |
| Barnes County | 162 | $155,000 |
| Ramsey County | 158 | $175,000 |
| Traill County | 155 | $175,000 |
| Mercer County | 148 | $175,000 |
| Walsh County | 120 | $135,000 |
| Mountrail County | 95 | $185,000 |
| Pembina County | 88 | $135,000 |
| Bottineau County | 86 | $200,000 |
| McHenry County | 68 | $180,000 |
| Dickey County | 61 | $135,000 |
| Ransom County | 59 | $175,000 |
| Dunn County | 57 | $225,000 |
| Wells County | 54 | $120,000 |
| Emmons County | 50 | $90,000 |
| Cavalier County | 48 | under 50 loans |
| LaMoure County | 47 | under 50 loans |
| Renville County | 41 | under 50 loans |
| Foster County | 40 | under 50 loans |
| Kidder County | 39 | under 50 loans |
| McIntosh County | 39 | under 50 loans |
| Nelson County | 35 | under 50 loans |
| Sargent County | 34 | under 50 loans |
| Oliver County | 32 | under 50 loans |
| Pierce County | 32 | under 50 loans |
| Hettinger County | 28 | under 50 loans |
| Rolette County | 28 | under 50 loans |
| Burke County | 27 | under 50 loans |
| Golden Valley County | 27 | under 50 loans |
| Towner County | 26 | under 50 loans |
| Bowman County | 24 | under 50 loans |
| Eddy County | 23 | under 50 loans |
| Griggs County | 23 | under 50 loans |
| Steele County | 23 | under 50 loans |
| Grant County | 22 | under 50 loans |
| Benson County | 21 | under 50 loans |
| Logan County | 21 | under 50 loans |
| Divide County | 18 | under 50 loans |
| Adams County | 17 | under 50 loans |
| Sheridan County | 10 | under 50 loans |
| Billings County | 7 | under 50 loans |
| Sioux County | 2 | under 50 loans |
| Slope County | 1 | under 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.
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