ND · Statewide HMDA 2024
North Dakota mortgage lending
According to the CFPB HMDA 2024 Snapshot, 266 reporting lenders · 53 counties · 4 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, North Dakota ranks #49 of 54 by application volume but #2 of 52 states with 10,000+ applications on origination share (63.2%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #2
- Origination-share rank of 52
- 63.2%
- Origination share
- 13,103
- Originated
- 10.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
20,737reported applications
CFPB HMDA state filing plate
State ND · North Dakota 10.8% denial
VOL-TRACE · DEN-QUIET · CLEAR-PEER · ORIG-LOW · BOOK-FULL · LEAD-HEAVY
- VOL-TRACE #49/54
- DEN-QUIET 10.8%
- CLEAR-PEER U.S. Virgin Isla…
- ORIG-LOW 63.2%
- BOOK-FULL 266 lenders
- LEAD-HEAVY 18% top
Photo-finish peer: U.S. Virgin Islands · 11.8% denial (+0.9pp vs North Dakota)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · North Dakota
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for North Dakota: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (10.8% here).
Similar application volume
Nearest states by HMDA applications filed (20,737 here).
Top lenders by originations · North Dakota
Funded loans among HMDA-reporting institutions active in this state.
Where North Dakota sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
20,737 9th percentile higher than 9% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · North Dakota
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. North Dakota filed 20,737 HMDA-reported applications in 2024 (#49 of 54 by volume) with a 10.8% denial rate - 6.3pp below the national 17.2% baseline. White applicants (15,085 apps) show 10.9% denial; Joint applicants (389 apps) show 12.1% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in North Dakota
Top HMDA-reporting lenders active in North Dakota. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gate City Bank | 2,328 | 17.8% |
| 2 | First International Bank & Trust | 758 | 5.8% |
| 3 | Bell Bank | 569 | 4.3% |
| 4 | Capital Credit Union | 510 | 3.9% |
| 5 | United Wholesale Mortgage | 508 | 3.9% |
Reported outcomes by applicant race in North Dakota
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 15,085 | 69.5% | 10.9% |
| Joint | 389 | 65.3% | 12.1% |
| Black or African American | 353 | 57.8% | 15.6% |
| Asian | 347 | 65.1% | 14.1% |
| American Indian or Alaska Native | 269 | 47.2% | 23.8% |
| Native Hawaiian or Other Pacific Islander | 19 | 68.4% | 5.3%sample too small to read |
| 2 or more minority races | 18 | 55.6% | 16.7%sample too small to read |
Every county in North Dakota, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Cass County | 5,780 | 3,918 | 8.6% | $269,123 |
| Burleigh County | 2,836 | 1,986 | 7.0% | $253,322 |
| Ward County | 2,017 | 1,276 | 9.7% | $227,211 |
| Grand Forks County | 1,714 | 1,176 | 11.1% | $213,273 |
| Williams County | 1,165 | 660 | 14.7% | $258,236 |
| Stark County | 1,039 | 638 | 10.0% | $307,348 |
| Morton County | 1,033 | 692 | 10.0% | $215,716 |
| Stutsman County | 550 | 351 | 12.7% | $180,527 |
| Richland County | 431 | 280 | 13.2% | $179,432 |
| McKenzie County | 307 | 185 | 10.4% | $372,785 |
| Ramsey County | 273 | 171 | 12.8% | $166,832 |
| McLean County | 251 | 150 | 12.8% | $183,884 |
| Mercer County | 242 | 148 | 14.1% | $178,388 |
| Barnes County | 218 | 126 | 11.5% | $174,771 |
| Traill County | 200 | 126 | 11.0% | $166,950 |
| Walsh County | 193 | 121 | 14.0% | $148,886 |
| Mountrail County | 110 | 74 | 13.6% | $210,273 |
| Rolette County | 104 | 39 | 25.0% | $136,154 |
| Bottineau County | 102 | 66 | 8.8% | $190,784 |
| Ransom County | 98 | 61 | 11.2% | $183,673 |
| Dunn County | 97 | 52 | 15.5% | $234,485 |
| Pembina County | 93 | 60 | 14.0% | $123,817 |
| McHenry County | 90 | 53 | 12.2% | $150,444 |
| Dickey County | 88 | 47 | 12.5% | $244,318 |
| Sargent County | 80 | 45 | 7.5% | $144,750 |
| Renville County | 76 | 38 | 13.2% | $198,289 |
| LaMoure County | 73 | 47 | 15.1% | $133,082 |
| Wells County | 60 | 33 | 16.7% | $140,167 |
| Foster County | 55 | 40 | 9.1% | $163,182 |
| Pierce County | 55 | 33 | 7.3% | $181,182 |
| Hettinger County | 54 | 26 | 27.8% | $158,704 |
| Cavalier County | 51 | 34 | 17.6% | $168,529 |
| Emmons County | 44 | 28 | 4.5% | $150,455 |
| Nelson County | 44 | 27 | 20.4% | $146,591 |
| Golden Valley County | 44 | 24 | 25.0% | $128,864 |
| Steele County | 40 | 31 | 2.5% | $170,000 |
| McIntosh County | 40 | 22 | 7.5% | $112,250 |
| Bowman County | 38 | 21 | 15.8% | $201,842 |
| Kidder County | 37 | 24 | 2.7% | $180,135 |
| Benson County | 37 | 18 | 16.2% | $180,135 |
| Adams County | 37 | 17 | 35.1% | $136,081 |
| Grant County | 30 | 18 | 26.7% | $92,333 |
| Griggs County | 29 | 14 | 13.8% | $118,103 |
| Burke County | 28 | 14 | 14.3% | $134,286 |
| Logan County | 28 | 11 | 35.7% | $102,857 |
| Oliver County | 27 | 17 | 14.8% | $162,778 |
| Towner County | 27 | 15 | 7.4% | $151,296 |
| Eddy County | 25 | 13 | 28.0% | $143,800 |
| Divide County | 23 | 12 | 26.1% | $163,696 |
| Billings County | 20 | 8 | 30.0% | $265,000 |
| Sheridan County | 14 | 9 | 21.4% | $112,143 |
| Slope County | 3 | 1 | 33.3% | $175,000 |
| Sioux County | 1 | 1 | 0.0% | $305,000 |
Metro Areas in North Dakota
Frequently Asked Questions
How many mortgage applications were filed in North Dakota?
Where does North Dakota sit among U.S. states for mortgage volume?
What is the mortgage denial rate in North Dakota?
What is the average mortgage loan amount in North Dakota?
How many mortgage lenders operate in North Dakota?
How do mortgage denial rates vary by demographics in North Dakota?
Which counties in North Dakota have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.