Lender in North Dakota · HMDA 2025
First Community Credit Union mortgages in North Dakota
First Community Credit Union's 2025 home-purchase and refinance lending in North Dakota, compared with all lenders in the state.
First Community Credit Union originated 275 owner-occupied single-family loans in North Dakota from 291 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $4,710 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
275
of 291 applications
Denial rate
3.3%
Purchase · ND 4.5%
Rate spread
−0.05 pts
Conv. · ND +0.01 pts
Loan amount
$205,000
Purchase · ND $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 246 | 238 | 3.3% | 6.250% | −0.05 pts | $4,710 | $205,000 |
| Refinance | 37 | 29 | 21.6% | — | +0.30 pts | $770 | $85,000 |
| Cash-out refinance | 8 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Dakota counties where First Community Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stutsman County | 1 | 34 | 17.8% |
| Barnes County | 1 | 26 | 27.7% |
| Ramsey County | 1 | 25 | 25.3% |
| Dickey County | 1 | 13 | 30.2% |
| Logan County | 1 | 5 | 31.3% |
| McIntosh County | 1 | 5 | 25.0% |
| Eddy County | 1 | 4 | 23.5% |
| Richland County | 2 | 25 | 14.4% |
| Ransom County | 2 | 4 | 8.2% |
| Towner County | 2 | 4 | 20.0% |
| Kidder County | 2 | 3 | 12.5% |
| Nelson County | 2 | 3 | 15.8% |
| Griggs County | 2 | 2 | 10.5% |
| Benson County | 2 | 1 | 9.1% |
| Emmons County | 3 | 2 | 8.3% |
| Steele County | 3 | 1 | 6.7% |
| LaMoure County | 4 | 2 | 6.1% |
| Sargent County | 4 | 1 | 5.0% |
| Wells County | 4 | 1 | 3.1% |
| Traill County | 5 | 7 | 6.9% |
| Cavalier County | 5 | 2 | 5.4% |
| McLean County | 11 | 4 | 3.6% |
| Walsh County | 11 | 2 | 2.5% |
| Cass County | 12 | 55 | 2.3% |
| Grand Forks County | 13 | 16 | 2.1% |
| Burleigh County | 14 | 21 | 1.7% |
| Morton County | 15 | 6 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology