States › North Dakota › Ward County
Ward County, North Dakota
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Ward County, North Dakota, saw 1,795 HMDA-reported applications and 1,276 originations ($296m) in 2024.
That is 44.7 originations per 1,000 households, against 39.6 for North Dakota and 48.0 nationally.
The county's denial rate was 12.9%, close to the state rate of 14.3%. The median rate spread on originated loans was 0.0 percentage points and 8.4% of originations were 1.5 points or more above the average prime offer rate.
17 lenders reached 25 applications in the county; the most active by originations were Gate City Bank (212), Town and Country Credit Union (209) and First International Bank & Trust (145).
Originations were up 22% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank | 299 | 212 | $35m | 16.9% | — |
| 2 | Town and Country Credit Union | 248 | 209 | $44m | 1.9% | — |
| 3 | First International Bank & Trust | 173 | 145 | $36m | 3.3% | — |
| 4 | Ark-La-Tex Financial Services LLC | 104 | 84 | $23m | 6.5% | — |
| 5 | Aspire Community Federal Credit Union | 89 | 82 | $14m | 7.9% | — |
| 6 | First Western Bank & Trust | 88 | 72 | $17m | 6.4% | — |
| 7 | Mortgage Research Center | 99 | 58 | $15m | 7.9% | — |
| 8 | Guaranteed Rate, Inc. | 75 | 52 | $13m | 1.8% | — |
| 9 | Fairway Independent Mort Corp | 51 | 40 | $10m | 7.0% | — |
| 10 | Rocket Mortgage | 54 | 38 | $9.2m | 15.2% | — |
| 11 | Bravera Bank | 31 | 25 | $5.3m | 0.0% | — |
| 12 | Dacotah Bank | 29 | 22 | $6.1m | 3.4% | — |
| 13 | Navy Federal Credit Union | 35 | 20 | $5.3m | 16.0% | — |
| 14 | United Wholesale Mortgage | 26 | 20 | $5.7m | — | — |
| 15 | Us Bank, N.A. | 31 | 19 | $3.3m | 28.6% | — |
| 16 | Freedom Mortgage Corporation | 28 | 17 | $4.7m | — | — |
| 17 | Discover Bank | 25 | 2 | $250k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 17. Denial rate is denials over decided applications in this county.
Compared with North Dakota and the nation
| Measure | This county | North Dakota | United States |
|---|---|---|---|
| Denial rate | 12.9% | 14.3% | 24.3% |
| Median rate spread, pp | 0.0 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.4% | 13.2% | 15.6% |
| Average originated loan | $232k | $244k | $329k |
| Originations per 1,000 households | 44.7 | 39.6 | 48.0 |
| Home purchase share of originations | 68.3% | 63.4% | 57.0% |
| FHA-insured share | 13.2% | 13.0% | 13.4% |
| VA-guaranteed share | 26.1% | 9.5% | 7.9% |
Rate spread distribution
Share of 1,073 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: North Dakota). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 68% (872)Home improvement 6% (80)Refinancing 10% (126)Cash-out refinancing 10% (132)Other purpose 5% (66)
By type
Conventional 60% (771)FHA 13% (169)VA 26% (333)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyNorth Dakota
Questions and answers
Which lenders are most active in Ward County, ND?
By 2024 originations: Gate City Bank (212), Town and Country Credit Union (209), First International Bank & Trust (145), Ark-La-Tex Financial Services LLC (84), Aspire Community Federal Credit Union (82). 17 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Ward County?
12.9% of decided applications were denied in 2024, against 14.3% across North Dakota and 24.3% nationally.
How many mortgages were originated in Ward County in 2024?
1,276 loans totalling $296m, from 1,795 applications; 44.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 38101; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.