North Dakota · HMDA 2025
Mortgage lenders in Pembina County, ND
48 lenders reported 124 home-loan applications in Pembina County in 2025. 88 closed as loans ($15.3M), 12 were denied — a 11.9% denial rate on decided applications, below the North Dakota rate of 13.6%. The three most active lenders handled 29% of applications, led by KODABANK. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 124
- Loans originated
- 88
- Purchase / refinance
- 60 / 21
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pembina County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | KODABANK 75 out of 100, Strong | 23 | 18.5% | 0.0% |
| 2 | Choice Financial Group 73 out of 100, Strong | 7 | 5.6% | 5.6% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 4.8% | — |
| 4 | Rocket Mortgage, LLC | 6 | 4.8% | — |
| 5 | FIRST UNITED BANK 78 out of 100, Strong | 6 | 4.8% | 3.2% |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 2.4% | 32.9% |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 2.4% | 14.1% |
| 8 | Fairway Independent Mortgage Corporation | 3 | 2.4% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 3 | 2.4% | — |
| 10 | Mortgage Research Center, LLC | 3 | 2.4% | — |
| 11 | NATIONSTAR MORTGAGE LLC | 3 | 2.4% | — |
| 12 | Merchants Bank, National Association 73 out of 100, Strong | 3 | 2.4% | 5.9% |
| 13 | Gate City Bank | 3 | 2.4% | — |
| 14 | NEWREZ LLC | 2 | 1.6% | — |
| 15 | Discover Bank | 2 | 1.6% | — |
| 16 | AmeriSave Mortgage Corporation | 2 | 1.6% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 2 | 1.6% | 44.7% |
| 18 | Empeople Credit Union 58 out of 100, Moderate | 2 | 1.6% | 25.7% |
| 19 | FIGURE LENDING LLC | 2 | 1.6% | — |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | 1.6% | — |
| 21 | Alerus Financial, National Association 70 out of 100, Strong | 2 | 1.6% | 10.1% |
| 22 | First International Bank & Trust 52 out of 100, Below average | 2 | 1.6% | 5.8% |
| 23 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 1.6% | — |
| 24 | Old National Bank 59 out of 100, Moderate | 2 | 1.6% | 22.1% |
| 25 | American Federal Bank 66 out of 100, Moderate | 2 | 1.6% | 12.5% |
| 26 | VALLEY MORTGAGE, INC. | 2 | 1.6% | — |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | 1.6% | — |
| 28 | PIKE CREEK MORTGAGE SERVICES, INC. | 2 | 1.6% | — |
| 29 | Bremer Bank, National Association | 2 | 1.6% | — |
| 30 | Dakota Community Bank & Trust, National Association 76 out of 100, Strong | 2 | 1.6% | 5.1% |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.8% | 22.2% |
| 32 | GUARANTEED RATE, INC. | 1 | 0.8% | — |
| 33 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.8% | — |
| 34 | FIRST COMMUNITY CREDIT UNION | 1 | 0.8% | — |
| 35 | Border Bank 57 out of 100, Moderate | 1 | 0.8% | 3.7% |
| 36 | AgCountry Farm Credit Services, FLCA | 1 | 0.8% | — |
| 37 | BMO Bank National Association 83 out of 100, Strong | 1 | 0.8% | 40.5% |
| 38 | FIRST HOLDING COMPANY OF CAVALIER, INC. | 1 | 0.8% | — |
| 39 | Nations Lending Corporation | 1 | 0.8% | — |
| 40 | FIRST COLONY MORTGAGE CORPORATION | 1 | 0.8% | — |
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