HomeNorth DakotaCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in North Dakota

Fat Boy Data analyzed cash-out refinance activity in North Dakota to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,062 applications were decided by 90 lenders between 2023 and 2025.

North Dakota at a glance

90Active lenders12 with 20+ decisions
75.8%Market approval rate805 of 1,062 decided
$135KTypical loanmedian lender, $10K brackets
98%Borrower take-up787 loans funded

How North Dakota compares

Approval rate compared
North Dakota75.8%All 616 counties68.2%
Typical loan compared
North Dakota$135KAll 616 counties$155K

What the data shows

TOWN AND COUNTRY Credit Union made the most cash-out refinances in North Dakota, 194 of them.

TOWN AND COUNTRY Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 89% of 219.

Lenders approved 75.8% of cash-out refinance applications in North Dakota, 7.6 percentage points above the the United States rate of 68.2%.

The typical cash-out refinance here is $135K, 13% smaller than the the United States typical of $155K.

Approval rate of all 12 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 37% approved of 43Newrez LLC: 55% approved of 38Freedom Mortgage Corporation: 67% approved of 24Loandepot.Com, LLC: 73% approved of 26U.S. Bank National Association: 75% approved of 36United Wholesale Mortgage, LLC: 77% approved of 53Gate City Bank: 79% approved of 48Rocket Mortgage, LLC: 80% approved of 165First International Bank & Trust: 80% approved of 50First Community Credit Union: 87% approved of 61Bell Bank: 88% approved of 24TOWN AND COUNTRY Credit Union: 89% approved of 219

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in North Dakota

LenderApprovalApprovedTaken upTypical loanLoans made
1TOWN AND COUNTRY Credit Union89%194 / 219100%$65K194
2Rocket Mortgage, LLC80%132 / 16598%$135K129
3First Community Credit Union87%53 / 6198%$55K52
4United Wholesale Mortgage, LLCBroker only77%41 / 53100%$225K41
5First International Bank & Trust80%40 / 5098%$175K39

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 85 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in North Dakota. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for North Dakota

Counties in North Dakota