Lender in North Dakota · HMDA 2025
Capital mortgages in North Dakota
Capital's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
Capital originated 203 owner-occupied single-family loans in North Dakota from 207 completed applications, making it the state's #11 lender by volume.
Its median conventional purchase loan costs were $5,740 versus $4,880 for all North Dakota lenders, at a median 30-year fixed rate of 6.375% (North Dakota: 6.375%).
Loans in ND
203
of 207 applications
Denial rate
1.7%
Purchase · ND 4.5%
Rate spread
−0.05 pts
Conv. · ND +0.01 pts
Loan amount
$275,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 176 | 173 | 1.7% | 6.375% | −0.05 pts | $5,740 | $275,000 |
| Refinance | 19 | 18 | — | — | — | — | — |
| Cash-out refinance | 12 | 12 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where Capital ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mercer County | 1 | 17 | 20.0% |
| Morton County | 2 | 38 | 9.7% |
| Burleigh County | 3 | 95 | 7.5% |
| McLean County | 4 | 7 | 6.3% |
| Emmons County | 9 | 1 | 4.2% |
| Sargent County | 12 | 1 | 5.0% |
| Oliver County | 13 | 1 | 5.0% |
| Pierce County | 13 | 1 | 4.8% |
| Dickey County | 16 | 1 | 2.3% |
| Kidder County | 16 | 1 | 4.2% |
| Cass County | 19 | 31 | 1.3% |
| Ransom County | 23 | 1 | 2.0% |
| Stark County | 25 | 3 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology