Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cass County, North Dakota
Every institution that decided a 1–4 unit mortgage application in Cass County, home to Fargo, between 2023 and 2025: 11,543 applications, 10,271 loans actually funded, across 8 kinds of borrowing.
Cass County at a glance
11,543Applications decided
2023–2025
10,271Loans funded
89% of decisions
44Census tracts
10 ZIP codes
189,286People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Cash-out refinance is the hardest money to get here: lenders approved 76% of 1,062 applications.
Lending by loan type in Cass County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 94.6% | 6,813 | $275K | 99% | 198 |
| Home improvement loans | 83.3% | 1,412 | $55K | 96% | 51 |
| Cash-out refinance | 75.8% | 1,062 | $135K | 98% | 90 |
| Refinance | 87.5% | 1,257 | $155K | 96% | 107 |
| Investment property purchase | 96.5% | 739 | $205K | 99% | 77 |
| Investment cash-out refinance | 80.0% | 40 | $175K | 100% | 17 |
| Investment refinance | 93.8% | 161 | $155K | 98% | 33 |
| Investment home improvement | 79.7% | 59 | $135K | 100% | 21 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.