Applications / Mortgage Analytics / Lenders / North Dakota / Security First Bank of North Dakota
New Salem, ND · State non-member bank · FDIC · $285 million assets · 56 loans in 2025
Security First Bank of North Dakota's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
56
loans originated, 2025
60
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security First Bank of North Dakota lends far from home: Bend, Oregon, was among its largest markets in 2025, with its share there up to 0.5% from 0.0%.
It has lent in Bismarck since before 1990 and ranks 14 of 145 there, though its share slipped to 1.6% from 1.9%. In Bend it ranked 47 of 344, and it lent in 7 states in all. A loan officer or customer base outside its home state, or a few large loans, could explain the Oregon figures.
Similar lenders are state non-member banks making between half and twice as many loans. Its 56 loans sit near the middle of that group, but its $35.5 million lent is higher than about five in six of them, and its typical loan of $205,000 compares with $165,000.
Only 8.9% of its loans were in low- and moderate-income (LMI) areas, lower than about four in five similar lenders, and none were in majority-minority areas, against 6.6%. Its lending to LMI borrowers, at 26.5%, is near the typical 27.1%. Its mostly rural North Dakota markets may contain few such areas.
It made 292 loans in 2020, when refinancing peaked, and 56 in 2025. Its loans rose 2% in 2025, against 7% for similar lenders and 10% for the whole market. Manufactured homes were 7.1% of its loans, against 2.7% for peers, though on 56 loans that is only a few homes.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Security First Bank of North Dakota took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.4% · Refinance 30.4% · Home improvement 8.9% · Other 5.4%
Conventional 100.0% · of 56 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Dakota | 47 | 83.9% |
| Arizona | 3 | 5.4% |
| Colorado | 2 | 3.6% |
| Florida | 1 | 1.8% |
| Minnesota | 1 | 1.8% |
| Oregon | 1 | 1.8% |
| Pennsylvania | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bismarck | 39 |
| Phoenix-Mesa-Chandler | 3 |
| Denver-Aurora-Centennial | 2 |
| Bend | 1 |
| Cape Coral-Fort Myers | 1 |
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P4RGN7F1H2N265 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 693952 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311519 | 1990–2017 |
Established 1 January 1925. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Security First Bank of North Dakota's data.
Security First Bank of North Dakota's data
$215
Security First Bank of North Dakota and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Security First Bank of North Dakota's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]