North Dakota · HMDA 2025
Mortgage lenders in Grand Forks County, ND
131 lenders reported 1,846 home-loan applications in Grand Forks County in 2025. 1,263 closed as loans ($333.6M), 161 were denied — a 11.0% denial rate on decided applications, below the North Dakota rate of 13.6%. The three most active lenders handled 33% of applications, led by Gate City Bank. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,846
- Loans originated
- 1,263
- Purchase / refinance
- 741 / 293
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Grand Forks County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 314 | 17.0% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 178 | 9.6% | — |
| 3 | Alerus Financial, National Association 70 out of 100, Strong | 123 | 6.7% | 10.1% |
| 4 | First International Bank & Trust 52 out of 100, Below average | 81 | 4.4% | 5.8% |
| 5 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 66 | 3.6% | 9.1% |
| 6 | FIRST COMMUNITY CREDIT UNION | 59 | 3.2% | — |
| 7 | Old National Bank 59 out of 100, Moderate | 54 | 2.9% | 22.1% |
| 8 | Rocket Mortgage, LLC | 47 | 2.5% | — |
| 9 | 21st Mortgage Corporation | 41 | 2.2% | — |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 39 | 2.1% | 39.5% |
| 11 | Frandsen Bank & Trust 71 out of 100, Strong | 39 | 2.1% | 7.9% |
| 12 | Mortgage Research Center, LLC | 38 | 2.1% | — |
| 13 | First State Bank 75 out of 100, Strong | 38 | 2.1% | 0.0% |
| 14 | PENNYMAC LOAN SERVICES, LLC | 36 | 2.0% | — |
| 15 | Granite Bank 53 out of 100, Below average | 35 | 1.9% | 6.2% |
| 16 | FIRST HOLDING COMPANY OF CAVALIER, INC. | 33 | 1.8% | — |
| 17 | NEWREZ LLC | 32 | 1.7% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 32 | 1.7% | 14.1% |
| 19 | Nations Lending Corporation | 28 | 1.5% | — |
| 20 | Florida Capital Bank, National Association 64 out of 100, Moderate | 25 | 1.4% | 7.6% |
| 21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 24 | 1.3% | — |
| 22 | American Federal Bank 66 out of 100, Moderate | 23 | 1.2% | 12.5% |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 21 | 1.1% | — |
| 24 | FREEDOM MORTGAGE CORPORATION | 20 | 1.1% | — |
| 25 | Choice Financial Group 73 out of 100, Strong | 17 | 0.9% | 5.6% |
| 26 | Bremer Bank, National Association | 17 | 0.9% | — |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 15 | 0.8% | 22.2% |
| 28 | Bank Forward 70 out of 100, Strong | 15 | 0.8% | 1.3% |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 15 | 0.8% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 14 | 0.8% | 32.9% |
| 31 | FIGURE LENDING LLC | 14 | 0.8% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 14 | 0.8% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 12 | 0.7% | 3.0% |
| 34 | PLANET HOME LENDING, LLC | 11 | 0.6% | — |
| 35 | Broker Solutions, Inc. | 10 | 0.5% | — |
| 36 | CHARTWELL FINANCIAL, LLC | 10 | 0.5% | — |
| 37 | SOFI BANK, NATIONAL ASSOCIATION | 10 | 0.5% | — |
| 38 | USAA Federal Savings Bank 64 out of 100, Moderate | 10 | 0.5% | 37.2% |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 9 | 0.5% | 32.5% |
| 40 | Discover Bank | 9 | 0.5% | — |
Top 40 of 131 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
- 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