Lender in North Dakota · HMDA 2025
Gate City Bank mortgages in North Dakota
Gate City Bank's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
Gate City Bank originated 1,064 owner-occupied single-family loans in North Dakota from 1,127 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $5,560 versus $4,880 for all North Dakota lenders, at a median 30-year fixed rate of 6.125% (North Dakota: 6.375%).
Loans in ND
1,064
of 1,127 applications
Denial rate
1.8%
Purchase · ND 4.5%
Rate spread
−0.23 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 | 946 | 921 | 1.8% | 6.125% | −0.23 pts | $5,560 | $275,000 |
| Refinance | 100 | 79 | 19.0% | 5.750% | −0.04 pts | $3,860 | $215,000 |
| Cash-out refinance | 81 | 64 | 19.8% | 6.125% | −0.24 pts | $5,210 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where Gate City Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 42.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cass County | 1 | 333 | 14.0% |
| Burleigh County | 1 | 209 | 16.5% |
| Morton County | 1 | 46 | 11.7% |
| McLean County | 1 | 16 | 14.4% |
| Benson County | 1 | 4 | 36.4% |
| Grand Forks County | 2 | 99 | 13.3% |
| Williams County | 2 | 64 | 13.6% |
| Stutsman County | 2 | 34 | 17.8% |
| Ramsey County | 2 | 16 | 16.2% |
| Emmons County | 2 | 3 | 12.5% |
| Ward County | 3 | 114 | 11.8% |
| Stark County | 3 | 41 | 8.6% |
| Mercer County | 3 | 7 | 8.2% |
| Foster County | 3 | 4 | 19.1% |
| Eddy County | 3 | 3 | 17.6% |
| Hettinger County | 3 | 3 | 14.3% |
| Renville County | 3 | 3 | 11.1% |
| Wells County | 3 | 3 | 9.4% |
| Richland County | 4 | 14 | 8.1% |
| Traill County | 4 | 8 | 7.9% |
| Bottineau County | 4 | 5 | 9.8% |
| Grant County | 4 | 2 | 14.3% |
| Nelson County | 4 | 2 | 10.5% |
| Sheridan County | 4 | 1 | 16.7% |
| Mountrail County | 6 | 3 | 4.7% |
| Barnes County | 7 | 4 | 4.3% |
| Dickey County | 7 | 2 | 4.7% |
| McHenry County | 8 | 2 | 4.0% |
| Adams County | 8 | 1 | 9.1% |
| McIntosh County | 8 | 1 | 5.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology