North Dakota · HMDA 2025
Mortgage lenders in Traill County, ND
62 lenders reported 246 home-loan applications in Traill County in 2025. 155 closed as loans ($31.6M), 24 were denied — a 13.1% denial rate on decided applications, close to the North Dakota rate of 13.6%. The three most active lenders handled 27% of applications, led by Gate City Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 246
- Loans originated
- 155
- Purchase / refinance
- 91 / 40
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Traill County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 31 | 12.6% | — |
| 2 | FIRST COMMUNITY CREDIT UNION | 19 | 7.7% | — |
| 3 | Rocket Mortgage, LLC | 17 | 6.9% | — |
| 4 | First International Bank & Trust 52 out of 100, Below average | 17 | 6.9% | 5.8% |
| 5 | NEWREZ LLC | 13 | 5.3% | — |
| 6 | First State Bank 75 out of 100, Strong | 13 | 5.3% | 0.0% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 10 | 4.1% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 3.3% | — |
| 9 | Mortgage Research Center, LLC | 6 | 2.4% | — |
| 10 | Fairway Independent Mortgage Corporation | 5 | 2.0% | — |
| 11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | 2.0% | — |
| 12 | Alerus Financial, National Association 70 out of 100, Strong | 5 | 2.0% | 10.1% |
| 13 | GUILD MORTGAGE COMPANY | 4 | 1.6% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.6% | — |
| 15 | PLANET HOME LENDING, LLC | 4 | 1.6% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 4 | 1.6% | — |
| 17 | VALLEY MORTGAGE, INC. | 4 | 1.6% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.2% | 14.1% |
| 19 | Loandepot.Com, LLC | 3 | 1.2% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 1.2% | 39.5% |
| 21 | Nations Lending Corporation | 3 | 1.2% | — |
| 22 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 3 | 1.2% | 3.2% |
| 23 | FIRST COLONY MORTGAGE CORPORATION | 3 | 1.2% | — |
| 24 | Cambria Financial Group, LLC | 3 | 1.2% | — |
| 25 | Choice Financial Group 73 out of 100, Strong | 3 | 1.2% | 5.6% |
| 26 | FREEDOM MORTGAGE CORPORATION | 3 | 1.2% | — |
| 27 | Coastal Community Bank 35 out of 100, Low | 3 | 1.2% | 3.0% |
| 28 | CMG MORTGAGE, INC. | 2 | 0.8% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.8% | 32.9% |
| 30 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.8% | 32.5% |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.8% | 22.2% |
| 32 | Dakota Heritage Bank 63 out of 100, Moderate | 2 | 0.8% | 3.1% |
| 33 | FIGURE LENDING LLC | 2 | 0.8% | — |
| 34 | First Western Bank & Trust 55 out of 100, Moderate | 2 | 0.8% | 5.4% |
| 35 | Farm Credit Mid-America | 2 | 0.8% | — |
| 36 | Granite Bank 53 out of 100, Below average | 2 | 0.8% | 6.2% |
| 37 | The Central Trust Bank 69 out of 100, Moderate | 2 | 0.8% | 10.4% |
| 38 | IMAGINE HOME LENDING, LLC | 2 | 0.8% | — |
| 39 | Frandsen Bank & Trust 71 out of 100, Strong | 2 | 0.8% | 7.9% |
| 40 | Broker Solutions, Inc. | 1 | 0.4% | — |
Top 40 of 62 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