Finance Atlas

Banking & Mortgage-Lending Access in North Dakota

206 FDIC-insured institutions (60 currently active) are recorded in North Dakota in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 14.6% in North Dakota.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

206
FDIC institutions (total)
60
Currently active
14.6%
Overall denial rate (HMDA 2024)
13,102
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in North Dakota?

FDIC BankFind records 206 FDIC-insured institutions (all historical) in North Dakota, of which 60 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 206
Currently active 60

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in North Dakota?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for North Dakota:

Charter class Description Count
NM State non-member bank (Fed non-member) 135
N National bank (OCC-chartered) 48
SL Savings institution (state-chartered S&L) 9
SB Savings bank (state-chartered) 7
SM State member bank (Fed member) 6
NS Non-member savings bank (state-chartered) 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in North Dakota? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 14.6% in North Dakota. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 14.6%
White applicants 13.6%
Black applicants 20.9%
Black/White denial rate ratio 1.54x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=ND

Mortgage origination volume in North Dakota (2024)

HMDA 2024 data record 13,102 originated mortgage loans in North Dakota , totaling $3.2B , with an average loan size of $244,370.

Metric Value
Originated loans (2024) 13,102
Total origination volume $3.2B
Average loan size $244,370

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=ND

Data exported June 20, 2026 · content hash 5463f6199794988f · machine-readable brief: /finance/states/nd/context.md

Where to act