North Dakota · HMDA 2025
Mortgage lenders in McHenry County, ND
38 lenders reported 110 home-loan applications in McHenry County in 2025. 68 closed as loans ($14.2M), 13 were denied — a 15.7% denial rate on decided applications, above the North Dakota rate of 13.6%. The three most active lenders handled 33% of applications, led by First International Bank & Trust. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 110
- Loans originated
- 68
- Purchase / refinance
- 44 / 17
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McHenry County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First International Bank & Trust 52 out of 100, Below average | 17 | 15.5% | 5.8% |
| 2 | Rocket Mortgage, LLC | 10 | 9.1% | — |
| 3 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 9 | 8.2% | 3.2% |
| 4 | Gate City Bank | 8 | 7.3% | — |
| 5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | 5.5% | — |
| 6 | NEWREZ LLC | 5 | 4.5% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 5 | 4.5% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 4.5% | 39.5% |
| 9 | Aspire Community Federal Credit union 87 out of 100, Very strong | 4 | 3.6% | 3.3% |
| 10 | First Western Bank & Trust 55 out of 100, Moderate | 4 | 3.6% | 5.4% |
| 11 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 2.7% | 32.5% |
| 12 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 3 | 2.7% | 22.2% |
| 13 | Bravera Bank 67 out of 100, Moderate | 3 | 2.7% | 2.2% |
| 14 | Loandepot.Com, LLC | 2 | 1.8% | — |
| 15 | AmeriSave Mortgage Corporation | 2 | 1.8% | — |
| 16 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 1.8% | 37.2% |
| 17 | CMG MORTGAGE, INC. | 1 | 0.9% | — |
| 18 | Fairway Independent Mortgage Corporation | 1 | 0.9% | — |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.9% | — |
| 20 | Broker Solutions, Inc. | 1 | 0.9% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 1 | 0.9% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.9% | 33.8% |
| 23 | Mortgage Research Center, LLC | 1 | 0.9% | — |
| 24 | Empeople Credit Union 58 out of 100, Moderate | 1 | 0.9% | 25.7% |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.9% | — |
| 26 | Dakota Heritage Bank 63 out of 100, Moderate | 1 | 0.9% | 3.1% |
| 27 | AMERICAN FINANCING CORPORATION | 1 | 0.9% | — |
| 28 | Old National Bank 59 out of 100, Moderate | 1 | 0.9% | 22.1% |
| 29 | NATIONSTAR MORTGAGE LLC | 1 | 0.9% | — |
| 30 | FREEDOM MORTGAGE CORPORATION | 1 | 0.9% | — |
| 31 | NextMortgage, LLC | 1 | 0.9% | — |
| 32 | UNION HOME MORTGAGE CORP. | 1 | 0.9% | — |
| 33 | RAILWAY | 1 | 0.9% | — |
| 34 | MISSION LOANS, LLC | 1 | 0.9% | — |
| 35 | Peoples Bank 53 out of 100, Below average | 1 | 0.9% | 18.2% |
| 36 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 1 | 0.9% | 9.1% |
| 37 | Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | 0.9% | — |
| 38 | Coastal Community Bank 35 out of 100, Low | 1 | 0.9% | 3.0% |
Top 38 of 38 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