North Dakota · HMDA 2025
Mortgage lenders in Emmons County, ND
30 lenders reported 75 home-loan applications in Emmons County in 2025. 50 closed as loans ($7.5M), 5 were denied — a 8.8% denial rate on decided applications, below the North Dakota rate of 13.6%. The three most active lenders handled 33% of applications, led by HOMETOWN Credit Union. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 75
- Loans originated
- 50
- Purchase / refinance
- 19 / 16
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Emmons County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | HOMETOWN Credit Union 58 out of 100, Moderate | 9 | 12.0% | 0.0% |
| 2 | BNC National Bank 71 out of 100, Strong | 8 | 10.7% | 14.5% |
| 3 | Unison Bank | 8 | 10.7% | — |
| 4 | Mortgage Research Center, LLC | 6 | 8.0% | — |
| 5 | VUE COMMUNITY CREDIT UNION 44 out of 100, Below average | 4 | 5.3% | 2.8% |
| 6 | Gate City Bank | 4 | 5.3% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 3 | 4.0% | — |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 4.0% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 4.0% | 39.5% |
| 10 | Loandepot.Com, LLC | 2 | 2.7% | — |
| 11 | Rocket Mortgage, LLC | 2 | 2.7% | — |
| 12 | FIRST COMMUNITY CREDIT UNION | 2 | 2.7% | — |
| 13 | NextMortgage, LLC | 2 | 2.7% | — |
| 14 | AFFINITY PLUS | 2 | 2.7% | — |
| 15 | CAPITAL | 2 | 2.7% | — |
| 16 | Fairway Independent Mortgage Corporation | 1 | 1.3% | — |
| 17 | Starion Bank 56 out of 100, Moderate | 1 | 1.3% | 3.1% |
| 18 | PLANET HOME LENDING, LLC | 1 | 1.3% | — |
| 19 | Kirkwood Bank & Trust Co. 80 out of 100, Strong | 1 | 1.3% | 2.1% |
| 20 | Choice Financial Group 73 out of 100, Strong | 1 | 1.3% | 5.6% |
| 21 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 1 | 1.3% | 45.9% |
| 22 | FREEDOM MORTGAGE CORPORATION | 1 | 1.3% | — |
| 23 | WEST GATE BANK 72 out of 100, Strong | 1 | 1.3% | 4.8% |
| 24 | Dacotah Bank 55 out of 100, Moderate | 1 | 1.3% | 6.4% |
| 25 | Bravera Bank 67 out of 100, Moderate | 1 | 1.3% | 2.2% |
| 26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | 1.3% | — |
| 27 | Bell Bank 59 out of 100, Moderate | 1 | 1.3% | 7.1% |
| 28 | CANOPY MORTGAGE, LLC | 1 | 1.3% | — |
| 29 | USAA Federal Savings Bank 64 out of 100, Moderate | 1 | 1.3% | 37.2% |
| 30 | First Federal Bank 50 out of 100, Below average | 1 | 1.3% | 13.5% |
Top 30 of 30 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