Lender in North Dakota · HMDA 2025
Town AND Country Credit Union mortgages in North Dakota
Town AND Country Credit Union's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
Town AND Country Credit Union originated 316 owner-occupied single-family loans in North Dakota from 325 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $5,410 versus $4,880 for all North Dakota lenders, at a median 30-year fixed rate of 6.25% (North Dakota: 6.375%).
Loans in ND
316
of 325 applications
Denial rate
0.7%
Purchase · ND 4.5%
Rate spread
−0.09 pts
Conv. · ND +0.01 pts
Loan amount
$265,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 285 | 283 | 0.7% | 6.250% | −0.09 pts | $5,410 | $265,000 |
| Refinance | 9 | 5 | — | — | — | — | — |
| Cash-out refinance | 31 | 28 | 9.7% | — | +0.55 pts | $1,180 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where Town AND Country Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ward County | 1 | 155 | 16.1% |
| Mountrail County | 1 | 13 | 20.3% |
| Renville County | 1 | 7 | 25.9% |
| McHenry County | 3 | 5 | 10.0% |
| Steele County | 4 | 1 | 6.7% |
| Bottineau County | 5 | 4 | 7.8% |
| Foster County | 5 | 1 | 4.8% |
| Cass County | 6 | 113 | 4.7% |
| Richland County | 6 | 5 | 2.9% |
| Wells County | 6 | 1 | 3.1% |
| Mercer County | 17 | 1 | 1.2% |
| McLean County | 19 | 1 | 0.9% |
| Traill County | 22 | 1 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology