Tier 3 · Development · noindex until quality gates pass · quality score 53/100
Cass County, North Dakota mortgage market
1 in-county HQ company. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Cass County
Source: 2025 HMDA · North Dakota (ND) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional83.8% · 3,434
- FHA9.2% · 375
- VA7.0% · 288
- USDA / RHS0.0% · 3
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Cass County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| GATE CITY BANK | 747 | 18.2% |
| Bell Bank | 580 | 14.2% |
| First International Bank & Trust | 262 | 6.4% |
| United Wholesale Mortgage, LLC | 208 | 5.1% |
| TOWN AND COUNTRY Credit Union | 187 | 4.6% |
| VALLEY MORTGAGE, INC. | 155 | 3.8% |
| FIRST COMMUNITY CREDIT UNION | 123 | 3.0% |
| Alerus Financial, National Association | 106 | 2.6% |
| Rocket Mortgage, LLC | 98 | 2.4% |
| Western State Bank | 88 | 2.1% |
| GUILD MORTGAGE COMPANY LLC | 82 | 2.0% |
| U.S. Bank National Association | 79 | 1.9% |
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.
Higher HMDA activity (matched lenders)
From county HMDA extracts when a LEI maps to our directory — not a ranking or recommendation.
Only 1 listed lender with confirmed in-county HQ for Cass County, North Dakota. We do not pad this list with distant offices labeled as local.
In-county HQ
Licensed business city or HQ locality maps to Cass County.