Gate City Bank
Fargo, North Dakota · HQ in Cass County · NMLS #435154
Gate City Bank (NMLS #435154) reports multi-thousand 2025 HMDA originations across North Dakota markets.
Public research signals
What we can show from re-checkable or attributed sources for this listing — not a grade, ranking, or approval odds.
- NMLS verifiedNMLS #435154 — re-confirm on NMLS Consumer Access before applying.
- Local HQ evidenceHQ locality derived from listed_county (Fargo)
- No attributed ratingNo volume-backed third-party rating on file
- CFPB record not shownNo CFPB complaint panel matched for this listing
- HMDA activity availableMatched federal HMDA activity panel available on profile
Evidence chips are not rankings, approval odds, or a grade. Methodology
- NMLS / license status
- NMLS ID verified
- NMLS #435154 — re-confirm on NMLS Consumer Access before applying.
- Local market evidence
- Local market evidence · Cass County
- HQ locality derived from listed_county (Fargo)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement.
Optional: technical composite factors (not a public grade)
Internal composite for methodology transparency only. We do not present this as a ranking score on cards.
- NMLS identity evidence: 28/28 — NMLS #435154 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Cass County (listed_county)
- Loan type disclosure: 6/6 — 4 loan type(s) listed
Ask Trust Hub Standard · Common ownership · Separated research & listing order · No paid placements · Methodology
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #435154 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data · HMDA
What the federal data shows
Source: 2025 HMDA · North Dakota activity (primary of 6 states) · Not a score or ranking
Among tracked high-volume counties in this state slice
HMDA applications in state summary (selected outcomes)
Also mapped in: South Dakota (4 originations) · North Carolina (2 originations) · Tennessee (1 originations) · Oregon (1 originations) · Washington (1 originations)
Top counties by originations
- Cass County747
- Burleigh County459
- Grand Forks County254
- Ward County201
- Williams County155
Loan-type mix (North Dakota originations)
Market share in key counties
Share of county originations among all HMDA filers in that county (shown when ≥ 1%).
- Cass County747 originations · 18.2% share
- Burleigh County459 originations · 20.8% share
- Grand Forks County254 originations · 20.1% share
- Ward County201 originations · 14.6% share
- Williams County155 originations · 21.8% share
- Morton County126 originations · 16.6% share
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Research listing only — not an endorsement. Re-verify NMLS identity on NMLS Consumer Access before applying. Lender Trust Hub is not a lender or broker.