Minot
Metropolitan Statistical Area · MSA Code 33500
According to CFPB HMDA 2024 application volume among tracked metros, Minot ranks #406 of 418.
Mortgage lending activity in the Minot metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Minot Metropolitan Statistical Area (MSA code 33500) financed its book at an average note rate of 6.58%. 20 major lenders are tracked for this metro - Town and Country Credit Union, Gate City Bank, First International Bank & Trust lead by origination volume. Among the 418 metros tracked, Minot sits in the 99th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 7 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Minot denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 9.9% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $223,039 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Minot
In Minot, lead originator Town and Country Credit Union funded 16.3% of 1,367 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 43.5% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Minot's 9.9% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Minot's 2,183 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Minot's $223,039 average loan (deduped against denial and volume peers).
Lenders active in the Minot metro
Town and Country Credit Union funded 223 of the 1,367 loans originated here, 16.3% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Town and Country Credit Union | 223 | 264 | $209,394 | 16.3% |
| 2 | Gate City Bank | 218 | 312 | $158,045 | 15.9% |
| 3 | First International Bank & Trust | 153 | 186 | $229,194 | 11.2% |
| 4 | Aspire Community Federal Credit Union | 90 | 97 | $155,619 | 6.6% |
| 5 | Ark-La-Tex Financial Services LLC | 90 | 111 | $268,694 | 6.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Minot metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Minot borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.