North Dakota · HMDA 2025
Mortgage lenders in Stark County, ND
107 lenders reported 1,278 home-loan applications in Stark County in 2025. 721 closed as loans ($189.3M), 154 were denied — a 17.1% denial rate on decided applications, above the North Dakota rate of 13.6%. The three most active lenders handled 25% of applications, led by Gate City Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,278
- Loans originated
- 721
- Purchase / refinance
- 470 / 146
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stark County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 139 | 10.9% | — |
| 2 | Dakota Community Bank & Trust, National Association 76 out of 100, Strong | 112 | 8.8% | 5.1% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 65 | 5.1% | — |
| 4 | Bravera Bank 67 out of 100, Moderate | 65 | 5.1% | 2.2% |
| 5 | Presidential Bank, FSB 51 out of 100, Below average | 58 | 4.5% | 6.9% |
| 6 | 21st Mortgage Corporation | 53 | 4.1% | — |
| 7 | WESTERN COOPERATIVE CREDIT UNION | 50 | 3.9% | — |
| 8 | Fairway Independent Mortgage Corporation | 47 | 3.7% | — |
| 9 | Rocket Mortgage, LLC | 43 | 3.4% | — |
| 10 | Granite Bank 53 out of 100, Below average | 43 | 3.4% | 6.2% |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 39 | 3.1% | 39.5% |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 37 | 2.9% | — |
| 13 | NEWREZ LLC | 31 | 2.4% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 30 | 2.3% | — |
| 15 | Mortgage Research Center, LLC | 25 | 2.0% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 25 | 2.0% | — |
| 17 | Dacotah Bank 55 out of 100, Moderate | 21 | 1.6% | 6.4% |
| 18 | WEST GATE BANK 72 out of 100, Strong | 20 | 1.6% | 4.8% |
| 19 | FREEDOM MORTGAGE CORPORATION | 18 | 1.4% | — |
| 20 | BMO Bank National Association 83 out of 100, Strong | 16 | 1.3% | 40.5% |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 1.2% | — |
| 22 | GUILD MORTGAGE COMPANY | 15 | 1.2% | — |
| 23 | Loandepot.Com, LLC | 14 | 1.1% | — |
| 24 | PLANET HOME LENDING, LLC | 14 | 1.1% | — |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 0.9% | 14.1% |
| 26 | Broker Solutions, Inc. | 12 | 0.9% | — |
| 27 | Cornerstone Bank 47 out of 100, Below average | 12 | 0.9% | 2.0% |
| 28 | FIRST COLONY MORTGAGE CORPORATION | 12 | 0.9% | — |
| 29 | BANKWEST, INC. 38 out of 100, Low | 12 | 0.9% | 48.6% |
| 30 | Choice Financial Group 73 out of 100, Strong | 11 | 0.9% | 5.6% |
| 31 | Kirkwood Bank & Trust Co. 80 out of 100, Strong | 10 | 0.8% | 2.1% |
| 32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | 0.8% | — |
| 33 | AMERICAN FINANCING CORPORATION | 8 | 0.6% | — |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 8 | 0.6% | — |
| 35 | UNION HOME MORTGAGE CORP. | 8 | 0.6% | — |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.5% | 32.5% |
| 37 | Discover Bank | 7 | 0.5% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.5% | — |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.5% | — |
| 40 | CAPITAL | 7 | 0.5% | — |
Top 40 of 107 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
- 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