Applications / Mortgage Analytics / Lenders / North Dakota / Town and Country Credit Union
Minot, ND · Credit union · NCUA · $759 million assets · 547 loans in 2025
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547
loans originated, 2025
675
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Town and Country Credit Union is the leading mortgage lender in Minot, with 14.2% of that market, and it makes far more government-backed loans than nearly all similar credit unions.
It ranks 1 of 95 lenders in Minot, with 14.2% of the market against 14.8% the year before, a small change that may reflect its lower loan count in 2025; First International Bank & Trust is second with $47.2M. It has reported loans there since 1998, and ranks 10 of 207 in Fargo.
VA loans (guaranteed by the Department of Veterans Affairs) made up 14.3% of its loans, FHA loans (insured by the Federal Housing Administration) 11.7% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 0.9%, where the typical similar lender (credit unions making between half and twice as many loans) makes none. Home purchase made up 66.4% of loans, and its typical loan, $215,000, is about twice similar lenders' $105,000.
Low- and moderate-income (LMI) borrowers took 35.8% of its loans, against 27.3% at similar lenders, more than about four in five of them. Its purchase denial rate, 0.6%, is lower than nearly all similar lenders' (6.3% typical), and its typical rate, 6.38%, is lower than their 7.00%.
Originations fell 10% to 547 while similar lenders rose 6%, lower than about four in five of them. Its yearly count has stayed between 547 and 628 since 2022.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Town and Country Credit Union took 675 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.4% · Refinance 32.5% · Home improvement 1.1%
Conventional 73.1% · VA 14.3% · FHA 11.7% · USDA (RHS or FSA) 0.9% · of 547 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 | 469 | 85.7% |
| Minnesota | 68 | 12.4% |
| South Dakota | 5 | 0.9% |
| Arizona | 3 | 0.5% |
| Iowa | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fargo | 236 |
| Minot | 234 |
| Bismarck | 5 |
| Grand Forks | 3 |
| Minneapolis-St. Paul-Bloomington | 3 |
| Phoenix-Mesa-Chandler | 3 |
| Rochester | 1 |
| Sioux Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000JZXUB8NOEMF64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 235491 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560790 | 1998–2017 |
Established 1 January 1939. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Town and Country Credit Union's data.
Town and Country Credit Union's data
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Town and Country Credit Union 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.
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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.
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