Applications / Mortgage Analytics / Lenders / North Dakota / Gate City Bank / Competition
Gate City Bank
Fargo, ND · Savings institution · OCC · $4.0 billion assets · 3,046 loans in 2025
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3,046
loans originated, 2025
4,001
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Who Gate City Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — FARGO, MN-ND, 2025
Gate City Bank ranks 2nd of 207 lenders in Fargo, MN-ND, with $186.4M lent: 10.6% of a $1.76B market.
Fargo, MN-ND is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BISMARCK, ND, 2025
Gate City Bank ranks 1st of 145 lenders in Bismarck, ND, with $140.2M lent: 17.6% of a $795.9M market.
Bismarck, ND is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 62% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO NORTH DAKOTA, 2025
Gate City Bank ranks 1st of 191 lenders in non-metro North Dakota, with $101.3M lent: 9.8% of a $1.04B market.
non-metro North Dakota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO MINNESOTA, 2025
Gate City Bank ranks 11th of 536 lenders in non-metro Minnesota, with $93.3M lent: 1.8% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — GRAND FORKS, MN-ND, 2025
Gate City Bank ranks 2nd of 131 lenders in Grand Forks, MN-ND, with $43.5M lent: 9.6% of a $452.1M market.
Grand Forks, MN-ND is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 55% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — FRESNO, CA, 2025
Gate City Bank ranks 252nd of 409 lenders in Fresno, CA, with $1.1M lent: 0.0% of a $5.72B market.
Fresno, CA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — CHEYENNE, WY, 2025
Gate City Bank ranks 112th of 190 lenders in Cheyenne, WY, with $635K lent: 0.1% of a $1.11B market.
Cheyenne, WY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — DETROIT-WARREN-DEARBORN, MI, 2025
Gate City Bank ranks 431st of 599 lenders in Detroit-Warren-Dearborn, MI, with $625K lent: 0.0% of a $25.80B market.
Detroit-Warren-Dearborn, MI is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Gate City Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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