North Dakota · HMDA 2025
Mortgage lenders in Mercer County, ND
48 lenders reported 216 home-loan applications in Mercer County in 2025. 148 closed as loans ($33.1M), 15 were denied — a 9.0% denial rate on decided applications, below the North Dakota rate of 13.6%. The three most active lenders handled 42% of applications, led by CAPITAL. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 216
- Loans originated
- 148
- Purchase / refinance
- 96 / 22
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mercer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CAPITAL | 62 | 28.7% | — |
| 2 | The Union Bank | 18 | 8.3% | — |
| 3 | PLANET HOME LENDING, LLC | 11 | 5.1% | — |
| 4 | Gate City Bank | 11 | 5.1% | — |
| 5 | Rocket Mortgage, LLC | 8 | 3.7% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 3.2% | — |
| 7 | Fairway Independent Mortgage Corporation | 6 | 2.8% | — |
| 8 | Loandepot.Com, LLC | 6 | 2.8% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 6 | 2.8% | — |
| 10 | AmeriSave Mortgage Corporation | 6 | 2.8% | — |
| 11 | Dakota Community Bank & Trust, National Association 76 out of 100, Strong | 6 | 2.8% | 5.1% |
| 12 | Mortgage Research Center, LLC | 5 | 2.3% | — |
| 13 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 1.9% | 32.5% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.4% | 14.1% |
| 15 | Broker Solutions, Inc. | 3 | 1.4% | — |
| 16 | GUARANTEED RATE, INC. | 3 | 1.4% | — |
| 17 | Starion Bank 56 out of 100, Moderate | 3 | 1.4% | 3.1% |
| 18 | Granite Bank 53 out of 100, Below average | 3 | 1.4% | 6.2% |
| 19 | NATIONSTAR MORTGAGE LLC | 3 | 1.4% | — |
| 20 | Merchants Bank, National Association 73 out of 100, Strong | 3 | 1.4% | 5.9% |
| 21 | Bravera Bank 67 out of 100, Moderate | 3 | 1.4% | 2.2% |
| 22 | NEWREZ LLC | 2 | 0.9% | — |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 0.9% | 39.5% |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.9% | — |
| 25 | First International Bank & Trust 52 out of 100, Below average | 2 | 0.9% | 5.8% |
| 26 | Presidential Bank, FSB 51 out of 100, Below average | 2 | 0.9% | 6.9% |
| 27 | Choice Financial Group 73 out of 100, Strong | 2 | 0.9% | 5.6% |
| 28 | COMPEER FINANCIAL, FLCA | 2 | 0.9% | — |
| 29 | Dakota West Credit Union 61 out of 100, Moderate | 2 | 0.9% | 51.5% |
| 30 | Security First Bank of North Dakota 87 out of 100, Very strong | 2 | 0.9% | 1.7% |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.5% | 32.9% |
| 32 | Discover Bank | 1 | 0.5% | — |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.5% | — |
| 34 | NBKC BANK | 1 | 0.5% | — |
| 35 | A&D Mortgage LLC | 1 | 0.5% | — |
| 36 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 1 | 0.5% | 3.2% |
| 37 | The Federal Savings Bank 51 out of 100, Below average | 1 | 0.5% | 19.1% |
| 38 | Kirkwood Bank & Trust Co. 80 out of 100, Strong | 1 | 0.5% | 2.1% |
| 39 | Old National Bank 59 out of 100, Moderate | 1 | 0.5% | 22.1% |
| 40 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 1 | 0.5% | 2.2% |
Top 40 of 48 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