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First Community Credit Union in North Dakota
HMDA record for properties in North Dakota, calendar year 2024. National record · North Dakota overview
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.
In North Dakota, First Community Credit Union reported 1,133 applications and 421 originations for 2024, $82m in all.
Its denial rate in the state was 33.9%, above the North Dakota rate of 14.3% across all lenders and compared with the lender's national rate of 32.3%.
The median rate spread on its North Dakota originations was -0.0 percentage points (state median 0.2).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In North Dakota | North Dakota, all lenders | First Community Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 33.9% | 14.3% | 32.3% | 24.3% |
| Median rate spread, pp | -0.0 | 0.2 | -0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.8% | 13.2% | 6.3% | 15.6% |
| Average originated loan | $195k | $244k | $197k | $329k |
| Home purchase share | 62.5% | 63.4% | 63.3% | 57.0% |
| FHA-insured share | 9.7% | 13.0% | 10.0% | 13.4% |
| VA-guaranteed share | 3.8% | 9.5% | 3.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Dakota, all lenders
Loan purpose and loan type in North Dakota
By purpose
Home purchase 62% (263)Home improvement 0% (2)Refinancing 4% (15)Cash-out refinancing 33% (141)
By type
Conventional 84% (355)FHA 10% (41)VA 4% (16)USDA 2% (9)
Denial reasons as coded
Share of 216 denials in North Dakota by first denial reason coded (outlined bar: all lenders in the state).
Counties in North Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cass County | 131 | 108 | $25m | 6.8% |
| Stutsman County | 93 | 68 | $8.5m | 11.7% |
| Grand Forks County | 63 | 41 | $11m | 16.3% |
| Ramsey County | 49 | 38 | $6.0m | 9.5% |
| Burleigh County | 44 | 33 | $6.6m | 5.7% |
| Richland County | 39 | 28 | $4.5m | 9.7% |
| Barnes County | 47 | 26 | $3.9m | 13.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Community Credit Union originate in North Dakota in 2024?
421 loans totalling $82m, from 1,133 applications reported for properties in North Dakota.
What is First Community Credit Union's denial rate in North Dakota?
33.9% of decided applications in North Dakota were denied, against 14.3% for all lenders in the state and 32.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which North Dakota counties does First Community Credit Union lend in most?
By originations: Cass County (108), Stutsman County (68), Grand Forks County (41), Ramsey County (38), Burleigh County (33).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Dakota. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.