North Dakota · HMDA 2025
Mortgage lenders in Williams County, ND
123 lenders reported 1,275 home-loan applications in Williams County in 2025. 712 closed as loans ($240.7M), 199 were denied — a 20.9% denial rate on decided applications, above the North Dakota rate of 13.6%. The three most active lenders handled 32% of applications, led by Gate City Bank. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,275
- Loans originated
- 712
- Purchase / refinance
- 422 / 171
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Williams County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gate City Bank | 220 | 17.3% | — |
| 2 | Fairway Independent Mortgage Corporation | 100 | 7.8% | — |
| 3 | Rocket Mortgage, LLC | 83 | 6.5% | — |
| 4 | First International Bank & Trust 52 out of 100, Below average | 74 | 5.8% | 5.8% |
| 5 | CROSSCOUNTRY MORTGAGE, INC. | 62 | 4.9% | — |
| 6 | WESTERN COOPERATIVE CREDIT UNION | 46 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 44 | 3.5% | — |
| 8 | Mortgage Research Center, LLC | 44 | 3.5% | — |
| 9 | 21st Mortgage Corporation | 38 | 3.0% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 36 | 2.8% | — |
| 11 | NEWREZ LLC | 33 | 2.6% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 25 | 2.0% | 39.5% |
| 13 | FREEDOM MORTGAGE CORPORATION | 22 | 1.7% | — |
| 14 | Broker Solutions, Inc. | 20 | 1.6% | — |
| 15 | Loandepot.Com, LLC | 19 | 1.5% | — |
| 16 | V.I.P. MORTGAGE, INC. | 19 | 1.5% | — |
| 17 | GUILD MORTGAGE COMPANY | 18 | 1.4% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 17 | 1.3% | — |
| 19 | AmeriSave Mortgage Corporation | 16 | 1.3% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 14 | 1.1% | — |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 1.0% | 32.9% |
| 22 | GUARANTEED RATE, INC. | 13 | 1.0% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 13 | 1.0% | 3.0% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 0.9% | 14.1% |
| 25 | PLANET HOME LENDING, LLC | 12 | 0.9% | — |
| 26 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 0.9% | — |
| 27 | FIGURE LENDING LLC | 11 | 0.9% | — |
| 28 | BANKWEST, INC. 38 out of 100, Low | 11 | 0.9% | 48.6% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 8 | 0.6% | 22.2% |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 0.6% | — |
| 31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | 0.6% | — |
| 32 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.5% | — |
| 33 | AMERICAN FINANCING CORPORATION | 7 | 0.5% | — |
| 34 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.5% | — |
| 35 | BETTER MORTGAGE CORPORATION | 6 | 0.5% | — |
| 36 | CMG MORTGAGE, INC. | 5 | 0.4% | — |
| 37 | Discover Bank | 5 | 0.4% | — |
| 38 | GUARANTEED RATE AFFINITY, LLC | 5 | 0.4% | — |
| 39 | LUMENT REAL ESTATE CAPITAL, LLC | 5 | 0.4% | — |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.4% | — |
Top 40 of 123 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
- 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