North Dakota · HMDA 2025
Mortgage lenders in Bottineau County, ND
52 lenders reported 148 home-loan applications in Bottineau County in 2025. 86 closed as loans ($18.4M), 15 were denied — a 14.6% denial rate on decided applications, close to the North Dakota rate of 13.6%. The three most active lenders handled 26% of applications, led by First International Bank & Trust. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 148
- Loans originated
- 86
- Purchase / refinance
- 57 / 18
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bottineau County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First International Bank & Trust 52 out of 100, Below average | 17 | 11.5% | 5.8% |
| 2 | Rocket Mortgage, LLC | 12 | 8.1% | — |
| 3 | Mortgage Research Center, LLC | 10 | 6.8% | — |
| 4 | Starion Bank 56 out of 100, Moderate | 10 | 6.8% | 3.1% |
| 5 | Gate City Bank | 9 | 6.1% | — |
| 6 | Aspire Community Federal Credit union 87 out of 100, Very strong | 8 | 5.4% | 3.3% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 7 | 4.7% | — |
| 8 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 7 | 4.7% | 3.2% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 2.7% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 2.0% | 32.9% |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 2.0% | 32.5% |
| 12 | Fairway Independent Mortgage Corporation | 3 | 2.0% | — |
| 13 | Broker Solutions, Inc. | 3 | 2.0% | — |
| 14 | PLANET HOME LENDING, LLC | 3 | 2.0% | — |
| 15 | 21st Mortgage Corporation | 2 | 1.4% | — |
| 16 | Loandepot.Com, LLC | 2 | 1.4% | — |
| 17 | AmeriSave Mortgage Corporation | 2 | 1.4% | — |
| 18 | First Western Bank & Trust 55 out of 100, Moderate | 2 | 1.4% | 5.4% |
| 19 | AMERICAN FINANCING CORPORATION | 2 | 1.4% | — |
| 20 | Servion, Inc. | 2 | 1.4% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 2 | 1.4% | — |
| 22 | OCMBC, INC. | 2 | 1.4% | — |
| 23 | AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | 1.4% | — |
| 24 | Bravera Bank 67 out of 100, Moderate | 2 | 1.4% | 2.2% |
| 25 | PHH Mortgage Corporation | 2 | 1.4% | — |
| 26 | NEWREZ LLC | 1 | 0.7% | — |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.7% | 14.1% |
| 28 | Truist Bank 63 out of 100, Moderate | 1 | 0.7% | 40.8% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.7% | 22.2% |
| 30 | Discover Bank | 1 | 0.7% | — |
| 31 | GUARANTEED RATE, INC. | 1 | 0.7% | — |
| 32 | TRIAD FINANCIAL SERVICES, INC. | 1 | 0.7% | — |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.7% | 44.7% |
| 34 | FIGURE LENDING LLC | 1 | 0.7% | — |
| 35 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 0.7% | — |
| 36 | AMERICAN FINANCIAL RESOURCES, INC. | 1 | 0.7% | — |
| 37 | Cornerstone Bank 47 out of 100, Below average | 1 | 0.7% | 2.0% |
| 38 | Click n' Close, Inc. | 1 | 0.7% | — |
| 39 | Kiavi Funding, Inc. | 1 | 0.7% | — |
| 40 | GENWAY HOME MORTGAGE, INC. | 1 | 0.7% | — |
Top 40 of 52 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in North Dakota
- Cass County 6,416 apps
- Burleigh County 3,346 apps
- Ward County 2,267 apps
- Grand Forks County 1,846 apps
- Stark County 1,278 apps
- Williams County 1,275 apps
- Morton County 1,201 apps
- Stutsman County 628 apps
- Richland County 515 apps
- McKenzie County 453 apps
- McLean County 274 apps
- Ramsey County 270 apps