North Dakota · HMDA 2025
Mortgage lenders in Ward County, ND
126 lenders reported 2,267 home-loan applications in Ward County in 2025. 1,378 closed as loans ($369.9M), 189 were denied — a 11.7% denial rate on decided applications, below the North Dakota rate of 13.6%. The three most active lenders handled 32% of applications, led by Gate City Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,267
- Loans originated
- 1,378
- Purchase / refinance
- 846 / 394
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ward County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 267 | 11.8% | — |
| 2 | TOWN AND COUNTRY Credit Union 64 out of 100, Moderate | 250 | 11.0% | 3.2% |
| 3 | First International Bank & Trust 52 out of 100, Below average | 200 | 8.8% | 5.8% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 150 | 6.6% | — |
| 5 | Mortgage Research Center, LLC | 112 | 4.9% | — |
| 6 | Aspire Community Federal Credit union 87 out of 100, Very strong | 112 | 4.9% | 3.3% |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 98 | 4.3% | — |
| 8 | NEWREZ LLC | 78 | 3.4% | — |
| 9 | First Western Bank & Trust 55 out of 100, Moderate | 76 | 3.4% | 5.4% |
| 10 | Rocket Mortgage, LLC | 75 | 3.3% | — |
| 11 | Loandepot.Com, LLC | 63 | 2.8% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 47 | 2.1% | — |
| 13 | Navy Federal Credit Union 66 out of 100, Moderate | 46 | 2.0% | 32.9% |
| 14 | FREEDOM MORTGAGE CORPORATION | 42 | 1.9% | — |
| 15 | Bravera Bank 67 out of 100, Moderate | 39 | 1.7% | 2.2% |
| 16 | FIGURE LENDING LLC | 32 | 1.4% | — |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 31 | 1.4% | 39.5% |
| 18 | Coastal Community Bank 35 out of 100, Low | 31 | 1.4% | 3.0% |
| 19 | NATIONSTAR MORTGAGE LLC | 27 | 1.2% | — |
| 20 | Citizens Bank, National Association 54 out of 100, Below average | 25 | 1.1% | 32.5% |
| 21 | Broker Solutions, Inc. | 24 | 1.1% | — |
| 22 | NextMortgage, LLC | 24 | 1.1% | — |
| 23 | Dacotah Bank 55 out of 100, Moderate | 20 | 0.9% | 6.4% |
| 24 | USAA Federal Savings Bank 64 out of 100, Moderate | 20 | 0.9% | 37.2% |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 0.7% | 14.1% |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 0.7% | — |
| 27 | CMG MORTGAGE, INC. | 15 | 0.7% | — |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 15 | 0.7% | — |
| 29 | Discover Bank | 13 | 0.6% | — |
| 30 | A&D Mortgage LLC | 12 | 0.5% | — |
| 31 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 11 | 0.5% | 22.2% |
| 32 | Fairway Independent Mortgage Corporation | 11 | 0.5% | — |
| 33 | TRIAD FINANCIAL SERVICES, INC. | 11 | 0.5% | — |
| 34 | PLANET HOME LENDING, LLC | 11 | 0.5% | — |
| 35 | Cornerstone Bank 47 out of 100, Below average | 11 | 0.5% | 2.0% |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 0.5% | — |
| 37 | Flagstar Bank, N.A. 31 out of 100, Low | 11 | 0.5% | 35.1% |
| 38 | AmeriSave Mortgage Corporation | 10 | 0.4% | — |
| 39 | Old National Bank 59 out of 100, Moderate | 10 | 0.4% | 22.1% |
| 40 | LAKEVIEW LOAN SERVICING, LLC | 10 | 0.4% | — |
Top 40 of 126 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
- 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
- Barnes County 250 apps