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refinance lenders · HMDA 2023–2025

Refinance lenders in Cass County, North Dakota

Fat Boy Data analyzed mortgage refinance activity in Cass County, North Dakota, home to Fargo, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,257 applications were decided by 107 lenders between 2023 and 2025.

Cass County at a glance

107Active lenders16 with 20+ decisions
87.5%Market approval rate1,100 of 1,257 decided
$155KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,055 loans funded

How Cass County compares

Approval rate compared
Cass County87.5%North Dakota87.5%All 616 counties76.5%
Typical loan compared
Cass County$155KNorth Dakota$155KAll 616 counties$295K

What the data shows

Gate City Bank made the most mortgage refinances in Cass County, ND, 247 of them.

First International Bank & Trust approved the highest share of applications among lenders with at least 20 decisions here, 100% of 44.

Approval rate of all 16 lenders with 20+ decisions here
0%25%50%75%100%One lender: 30% approved of 23One lender: 40% approved of 25One lender: 65% approved of 20One lender: 73% approved of 26One lender: 81% approved of 42United Wholesale Mortgage, LLC: 85% approved of 82One lender: 86% approved of 22Alerus Financial, National Association: 89% approved of 79One lender: 90% approved of 20Gate City Bank: 92% approved of 275One lender: 93% approved of 27Bell Bank: 93% approved of 197One lender: 95% approved of 20One lender: 96% approved of 24One lender: 97% approved of 32First International Bank & Trust: 100% approved of 44

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Cass County

LenderApprovalApprovedTaken upTypical loanLoans made
1Gate City Bank92%253 / 27598%$105K247
2Bell Bank93%184 / 19798%$155K180
3United Wholesale Mortgage, LLCBroker only85%70 / 8297%$325K68
4Alerus Financial, National Association89%70 / 7997%$105K68
5First International Bank & Trust100%44 / 44100%$225K44

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

Fat Boy found 102 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Cass County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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