Fifth in Minot
In Minot, ND it ranked 5 of 95 lenders, with 6.0% of the market, up from 4.5%. Town and Country Credit Union, First International Bank & Trust, Gate City Bank and Ark-La-Tex Financial Services ranked above it.
Applications / Mortgage Analytics / Lenders / North Dakota / Aspire Community Federal Credit Union
Aspire Community Federal Credit Union
Minot, ND · Credit union · NCUA · 145 loans in 2025
Aspire Community Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
145
loans originated, 2025
150
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Aspire Community Federal Credit Union, which first reported in 2024, is already the fifth-largest mortgage lender in Minot, ND, and its share there grew in 2025.
Growth in its second year
It made 145 loans, up 33% from 109 in its first year of reporting. Similar lenders (credit unions making between half and twice as many loans) grew 9% and the whole market 10%. Its dollar volume rose to $31.7 million from $18.0 million.
Bigger loans than its peers
Its typical loan was $155,000, against $105,000 at similar lenders, larger than at about four in five of them. Refinances were 53.1% of its loans and purchases 46.9%. Every loan was conventional.
Few loans in poorer neighborhoods
Poorer neighborhoods (low- and moderate-income tracts) took 2.1% of its loans, against 17.3% at peers, among the lowest of them. The make-up of the North Dakota markets it serves may be one reason. Its share of loans to borrowers with low and moderate incomes, 29.0%, was close to peers' 28.7%.
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, 2024–2025
145 loans in 2025, its most in any year since 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Aspire Community Federal Credit Union took 150 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
53.1% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 53.1% · Purchase 46.9%
Conventional 100.0% · of 145 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
1 state, 2 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| North Dakota | 145 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Minot | 111 |
| Bismarck | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490041EP8QZWCBA097 | 2024–2025 |
Established 1 January 1937. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Aspire Community Federal Credit Union's data.
The data and the software behind these pages
Aspire Community Federal Credit Union's data
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