North Dakota · HMDA 2025
Mortgage lenders in Cass County, ND
205 lenders reported 6,416 home-loan applications in Cass County in 2025. 4,100 closed as loans ($1.4B), 530 were denied — a 11.2% denial rate on decided applications, below the North Dakota rate of 13.6%. The three most active lenders handled 30% of applications, led by Gate City Bank. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,416
- Loans originated
- 4,100
- Purchase / refinance
- 2,411 / 868
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cass County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 951 | 14.8% | — |
| 2 | Bell Bank 59 out of 100, Moderate | 689 | 10.7% | 7.1% |
| 3 | First International Bank & Trust 52 out of 100, Below average | 305 | 4.8% | 5.8% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 253 | 3.9% | — |
| 5 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 237 | 3.7% | 3.2% |
| 6 | NEWREZ LLC | 209 | 3.3% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 196 | 3.1% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 182 | 2.8% | 39.5% |
| 9 | VALLEY MORTGAGE, INC. | 173 | 2.7% | — |
| 10 | FIRST COMMUNITY CREDIT UNION | 161 | 2.5% | — |
| 11 | Rocket Mortgage, LLC | 140 | 2.2% | — |
| 12 | Alerus Financial, National Association 70 out of 100, Strong | 135 | 2.1% | 10.1% |
| 13 | Western State Bank 78 out of 100, Strong | 132 | 2.1% | 6.3% |
| 14 | GUARANTEED RATE, INC. | 120 | 1.9% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 107 | 1.7% | 14.1% |
| 16 | GUILD MORTGAGE COMPANY | 101 | 1.6% | — |
| 17 | Citizens Bank, National Association 54 out of 100, Below average | 95 | 1.5% | 32.5% |
| 18 | First Western Bank & Trust 55 out of 100, Moderate | 85 | 1.3% | 5.4% |
| 19 | Mortgage Research Center, LLC | 82 | 1.3% | — |
| 20 | CAPITAL | 82 | 1.3% | — |
| 21 | Cambria Financial Group, LLC | 75 | 1.2% | — |
| 22 | Choice Financial Group 73 out of 100, Strong | 74 | 1.2% | 5.6% |
| 23 | FREEDOM MORTGAGE CORPORATION | 74 | 1.2% | — |
| 24 | Fairway Independent Mortgage Corporation | 65 | 1.0% | — |
| 25 | 21st Mortgage Corporation | 62 | 1.0% | — |
| 26 | FIRST COLONY MORTGAGE CORPORATION | 62 | 1.0% | — |
| 27 | Old National Bank 59 out of 100, Moderate | 57 | 0.9% | 22.1% |
| 28 | Bravera Bank 67 out of 100, Moderate | 57 | 0.9% | 2.2% |
| 29 | CMG MORTGAGE, INC. | 54 | 0.8% | — |
| 30 | American Federal Bank 66 out of 100, Moderate | 53 | 0.8% | 12.5% |
| 31 | Coastal Community Bank 35 out of 100, Low | 49 | 0.8% | 3.0% |
| 32 | WEST GATE BANK 72 out of 100, Strong | 47 | 0.7% | 4.8% |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 46 | 0.7% | — |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 44 | 0.7% | 22.2% |
| 35 | Loandepot.Com, LLC | 40 | 0.6% | — |
| 36 | PHH Mortgage Corporation | 40 | 0.6% | — |
| 37 | PLANET HOME LENDING, LLC | 39 | 0.6% | — |
| 38 | NATIONSTAR MORTGAGE LLC | 39 | 0.6% | — |
| 39 | Border Bank 57 out of 100, Moderate | 37 | 0.6% | 3.7% |
| 40 | Granite Bank 53 out of 100, Below average | 35 | 0.5% | 6.2% |
Top 40 of 205 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
- 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
- Barnes County 250 apps