Mortgage lenders in Cass County
4,100 mortgages were made in Cass County, North Dakota, in 2025, by 205 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 4,748 decisions, 530 were denials — 11.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Gate City Bank | 747 | 6.650% | $155,000 | 9.0% |
| Bell Bank | 580 | 6.875% | $175,000 | 7.2% |
| First International Bank & Trust | 262 | 6.625% | $265,000 | 4.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 208 | 6.275% | $285,000 | 12.2% |
| TOWN AND COUNTRY Credit Union | 187 | 6.450% | $215,000 | 4.6% |
| VALLEY MORTGAGE, INC. | 155 | 6.200% | $305,000 | 3.1% |
| FIRST COMMUNITY CREDIT UNION | 123 | 6.375% | $225,000 | 7.5% |
| Alerus Financial, National Association | 106 | 7.250% | $155,000 | 11.9% |
| Rocket Mortgage, LLC | 98 | 6.625% | $205,000 | 19.7% |
| Western State Bank | 88 | 6.250% | $275,000 | 6.4% |
| GUILD MORTGAGE COMPANY | 82 | 6.125% | $225,000 | 0.0% |
| U.S. Bank National Association | 79 | 7.375% | $165,000 | 34.9% |
| First Western Bank & Trust | 69 | 6.950% | $205,000 | 4.1% |
| Cambria Financial Group, LLC | 69 | 6.500% | $315,000 | 0.0% |
| CAPITAL | 65 | 6.500% | $255,000 | 5.8% |
| GUARANTEED RATE, INC. | 63 | 6.375% | $305,000 | 13.2% |
| Choice Financial Group | 62 | 6.613% | $255,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 58 | 6.388% | $305,000 | 0.0% |
| Bravera Bank | 50 | Not published | $175,000 | 1.9% |
| NEWREZ LLC | 46 | 6.625% | $290,000 | 17.0% |
| Old National Bank | 42 | 6.475% | $255,000 | 6.4% |
| Mortgage Research Center, LLC | 41 | 5.990% | $325,000 | 22.6% |
| American Federal Bank | 36 | Not published | $280,000 | 12.5% |
| Bank Forward | 34 | Not published | $230,000 | 0.0% |
| CMG MORTGAGE, INC. | 31 | 6.000% | $285,000 | 0.0% |
| Border Bank | 30 | Not published | $255,000 | 9.1% |
| FIRST COLONY MORTGAGE CORPORATION | 27 | 6.250% | $285,000 | 8.3% |
| PENNYMAC LOAN SERVICES, LLC | 26 | 6.125% | $265,000 | 23.5% |
| Granite Bank | 26 | 6.250% | $280,000 | 7.1% |
| Cornerstone Bank | 26 | 7.285% | $140,000 | 0.0% |
| Empeople Credit Union | 24 | 6.490% | $160,000 | 11.1% |
| Wells Fargo Bank, National Association | 22 | 6.313% | $205,000 | 21.4% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $325,000 | 20.0% |
| Dacotah Bank | 20 | 6.500% | $315,000 | 0.0% |
| Starion Bank | 17 | 6.250% | $365,000 | 0.0% |
| FIRST UNITED BANK | 17 | Not published | $235,000 | 0.0% |
| KODABANK | 16 | Not published | $295,000 | 0.0% |
| Coastal Community Bank | 15 | 11.490% | $65,000 | 5.6% |
| Loandepot.Com, LLC | 15 | 6.990% | $155,000 | 30.4% |
| Broker Solutions, Inc. | 15 | 6.750% | $205,000 | 6.3% |
| FIGURE LENDING LLC | 15 | 7.950% | $55,000 | 17.4% |
| Bremer Bank, National Association | 15 | 7.000% | $205,000 | 21.1% |
| 21st Mortgage Corporation | 14 | 10.475% | $85,000 | 64.1% |
| AFFINITY PLUS | 13 | 6.490% | $55,000 | 7.1% |
| MAGNIFI FINANCIAL CREDIT UNION | 13 | 6.250% | $185,000 | 7.1% |
| Bank of America, National Association | 12 | 6.490% | $105,000 | 40.0% |
| AmeriSave Mortgage Corporation | 11 | 9.500% | $85,000 | 54.2% |
| NATIONSTAR MORTGAGE LLC | 11 | 7.625% | $115,000 | 21.4% |
| Navy Federal Credit Union | 10 | 6.063% | $320,000 | 37.5% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST HOLDING COMPANY OF CAVALIER, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Northwestern Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First State Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 27.3% |
| Kirkwood Bank & Trust Co. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| WEST GATE BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Dakota Heritage Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valley Premier Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Midwest Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| COLLIERS MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Minnwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NextMortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Unison Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Security Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dakota Community Bank & Trust, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank of Faribault | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 40.0% |
| Merchants Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgCountry Farm Credit Services, FLCA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Frandsen Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BLACK HILLS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Black Hills Community Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples State Bank of Plainview | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Resource Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Grandbridge Real Estate Capital LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bridgewater Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Neighborhood National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNC National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WESTERN COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Levo Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Interstate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETOWN Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THRIVENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank in Sioux Falls | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BANKWEST, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| IMAGINE HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Reliabank Dakota | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Wilmington Savings Fund Society, FSB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COMPEER FINANCIAL, FLCA | 0 | Under 10 loans | Under 10 loans | 0.0% |
| OneAZ Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Village Bank and Trust, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Genisys Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| First PREMIER Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FOUNDATION MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hinsdale Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 5 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cass County
76 FDIC-insured branches from 28 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Alerus Financial, National Association, 3137 32nd Ave Sw, Fargo
- Alerus Financial, National Association, 901 13th Ave E, West Fargo
- First Interstate Bank, 5650 34th Avenue East, Suite 100, Fargo
- VISIONBank, 1321 21st Ave N, Fargo
- VISIONBank, 3000 25th St S, Fargo
- VISIONBank, 820 34th Ave E, West Fargo
Get told when this changes
When the next year’s lending figures are out for Cass County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.