North Dakota · HMDA 2025
Mortgage lenders in Ramsey County, ND
56 lenders reported 270 home-loan applications in Ramsey County in 2025. 158 closed as loans ($32.3M), 42 were denied — a 20.5% denial rate on decided applications, above the North Dakota rate of 13.6%. The three most active lenders handled 40% of applications, led by Gate City Bank. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 270
- Loans originated
- 158
- Purchase / refinance
- 90 / 38
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ramsey County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 46 | 17.0% | — |
| 2 | FIRST COMMUNITY CREDIT UNION | 45 | 16.7% | — |
| 3 | Mortgage Research Center, LLC | 18 | 6.7% | — |
| 4 | Western State Bank 78 out of 100, Strong | 17 | 6.3% | 6.3% |
| 5 | FIRST UNITED BANK 78 out of 100, Strong | 13 | 4.8% | 3.2% |
| 6 | NEWREZ LLC | 12 | 4.4% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 4.1% | — |
| 8 | Rocket Mortgage, LLC | 9 | 3.3% | — |
| 9 | Bravera Bank 67 out of 100, Moderate | 8 | 3.0% | 2.2% |
| 10 | Citizens Bank, National Association 54 out of 100, Below average | 6 | 2.2% | 32.5% |
| 11 | Bremer Bank, National Association | 6 | 2.2% | — |
| 12 | Loandepot.Com, LLC | 5 | 1.9% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 1.5% | 39.5% |
| 14 | Old National Bank 59 out of 100, Moderate | 4 | 1.5% | 22.1% |
| 15 | Coastal Community Bank 35 out of 100, Low | 4 | 1.5% | 3.0% |
| 16 | 21st Mortgage Corporation | 3 | 1.1% | — |
| 17 | Broker Solutions, Inc. | 3 | 1.1% | — |
| 18 | PENNYMAC LOAN SERVICES, LLC | 3 | 1.1% | — |
| 19 | Bank Forward 70 out of 100, Strong | 3 | 1.1% | 1.3% |
| 20 | LAKEVIEW LOAN SERVICING, LLC | 3 | 1.1% | — |
| 21 | MISSION LOANS, LLC | 3 | 1.1% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.7% | 14.1% |
| 23 | AmeriSave Mortgage Corporation | 2 | 0.7% | — |
| 24 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.7% | — |
| 25 | FIGURE LENDING LLC | 2 | 0.7% | — |
| 26 | PLANET HOME LENDING, LLC | 2 | 0.7% | — |
| 27 | Choice Financial Group 73 out of 100, Strong | 2 | 0.7% | 5.6% |
| 28 | NATIONSTAR MORTGAGE LLC | 2 | 0.7% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 2 | 0.7% | — |
| 30 | WEST GATE BANK 72 out of 100, Strong | 2 | 0.7% | 4.8% |
| 31 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.4% | 33.8% |
| 32 | SPRING EQ, LLC | 1 | 0.4% | — |
| 33 | KODABANK 75 out of 100, Strong | 1 | 0.4% | 0.0% |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.4% | — |
| 35 | Service Federal Credit Union 52 out of 100, Below average | 1 | 0.4% | 30.5% |
| 36 | Paramount Residential Mortgage Group, Inc. | 1 | 0.4% | — |
| 37 | Starion Bank 56 out of 100, Moderate | 1 | 0.4% | 3.1% |
| 38 | Alerus Financial, National Association 70 out of 100, Strong | 1 | 0.4% | 10.1% |
| 39 | First International Bank & Trust 52 out of 100, Below average | 1 | 0.4% | 5.8% |
| 40 | Cornerstone Bank 47 out of 100, Below average | 1 | 0.4% | 2.0% |
Top 40 of 56 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
- Barnes County 250 apps