HMDA 2025
Mortgage lenders in North Dakota
Lenders reported 23,044 home-loan applications for properties in North Dakota in 2025; 14,322 became loans and the denial rate on decided applications was 13.6%. The busiest county was Cass County with 6,416 applications.
Most active lenders across North Dakota's counties
- Gate City Bank 3,105 applications
- First International Bank & Trust 1,108 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 883 applications
- Rocket Mortgage, LLC 837 applications
- Bell Bank 780 applications
- PENNYMAC LOAN SERVICES, LLC 736 applications
- FIRST COMMUNITY CREDIT UNION 673 applications
- NEWREZ LLC 643 applications
- CAPITAL 634 applications
- TOWN AND COUNTRY Credit Union 559 applications
- U.S. Bank National Association 522 applications
- Fairway Independent Mortgage Corporation 500 applications
- Mortgage Research Center, LLC 500 applications
- 21st Mortgage Corporation 382 applications
- Bravera Bank 354 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Adams County | 36 | 19 | 17.4% | 10 / 5 |
| Barnes County | 250 | 60 | 9.7% | 96 / 35 |
| Benson County | 35 | 19 | 14.8% | 11 / 4 |
| Billings County | 10 | 6 | 0.0% | 3 / 4 |
| Bottineau County | 148 | 52 | 14.6% | 57 / 18 |
| Bowman County | 58 | 29 | 27.8% | 20 / 3 |
| Burke County | 52 | 24 | 22.2% | 12 / 12 |
| Burleigh County | 3,346 | 151 | 10.6% | 1,231 / 460 |
| Cass County | 6,416 | 205 | 11.2% | 2,411 / 868 |
| Cavalier County | 75 | 26 | 12.3% | 32 / 11 |
| Dickey County | 104 | 35 | 17.6% | 36 / 17 |
| Divide County | 40 | 25 | 40.0% | 13 / 2 |
| Dunn County | 100 | 37 | 14.9% | 30 / 19 |
| Eddy County | 49 | 22 | 34.3% | 16 / 4 |
| Emmons County | 75 | 30 | 8.8% | 19 / 16 |
| Foster County | 63 | 24 | 16.7% | 21 / 6 |
| Golden Valley County | 64 | 23 | 37.2% | 14 / 9 |
| Grand Forks County | 1,846 | 131 | 11.0% | 741 / 293 |
| Grant County | 36 | 20 | 25.8% | 15 / 3 |
| Griggs County | 40 | 26 | 22.6% | 14 / 6 |
| Hettinger County | 55 | 30 | 18.4% | 14 / 8 |
| Kidder County | 62 | 27 | 11.1% | 23 / 13 |
| LaMoure County | 69 | 30 | 16.7% | 28 / 11 |
| Logan County | 39 | 22 | 25.0% | 11 / 6 |
| McHenry County | 110 | 38 | 15.7% | 44 / 17 |
| McIntosh County | 62 | 25 | 17.0% | 24 / 9 |
| McKenzie County | 453 | 84 | 24.5% | 144 / 59 |
| McLean County | 274 | 70 | 16.8% | 109 / 43 |
| Mercer County | 216 | 48 | 9.0% | 96 / 22 |
| Morton County | 1,201 | 114 | 12.6% | 422 / 160 |
| Mountrail County | 173 | 45 | 14.9% | 66 / 19 |
| Nelson County | 54 | 27 | 18.6% | 16 / 9 |
| Oliver County | 48 | 26 | 10.8% | 16 / 5 |
| Pembina County | 124 | 48 | 11.9% | 60 / 21 |
| Pierce County | 60 | 27 | 13.2% | 20 / 3 |
| Ramsey County | 270 | 56 | 20.5% | 90 / 38 |
| Ransom County | 105 | 41 | 21.3% | 35 / 22 |
| Renville County | 74 | 33 | 12.2% | 22 / 15 |
| Richland County | 515 | 84 | 18.7% | 156 / 82 |
| Rolette County | 82 | 25 | 47.4% | 16 / 8 |
| Sargent County | 63 | 29 | 12.8% | 20 / 9 |
| Sheridan County | 16 | 14 | 23.1% | 8 / 1 |
| Sioux County | 4 | 2 | 33.3% | 1 / 1 |
| Slope County | 1 | 1 | 0.0% | 1 / 0 |
| Stark County | 1,278 | 107 | 17.1% | 470 / 146 |
| Steele County | 40 | 24 | 14.8% | 12 / 8 |
| Stutsman County | 628 | 77 | 18.4% | 174 / 103 |
| Towner County | 44 | 24 | 18.8% | 12 / 11 |
| Traill County | 246 | 62 | 13.1% | 91 / 40 |
| Walsh County | 211 | 52 | 24.8% | 64 / 33 |
| Ward County | 2,267 | 126 | 11.7% | 846 / 394 |
| Wells County | 82 | 29 | 8.2% | 32 / 10 |
| Williams County | 1,275 | 123 | 20.9% | 422 / 171 |