Applications / Mortgage Analytics / Lenders / North Dakota / Hometown Credit Union
Kulm, ND · Credit union · NCUA · $213 million assets · 45 loans in 2025
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45
loans originated, 2025
45
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hometown Credit Union, a small North Dakota credit union, nearly doubled its home lending in 2025 and lends heavily on manufactured homes.
It made 45 loans in 2025, up 88% from 24 the year before. Similar lenders, credit unions making between half and twice as many loans, grew by 3%, and the whole market by 10%; few of its peers grew faster. Refinances made up 57.8% of its loans. The rise brings it back above the 40 or so loans it made in 2018 and 2019. It filed no reports for 2020 and 2021, gaps in the record rather than years without lending.
Manufactured homes took 26.7% of its loans, while most similar credit unions made none. That may help explain its small loans: the typical one was $75,000, against $95,000 at its peers. Every loan was conventional.
Low- and moderate-income (LMI) borrowers took 55.6% of its loans, against 31.0% at similar credit unions, a higher share than at more than nine in ten of them. Its lending is spread across 13 counties in three states, mostly in rural North Dakota, where Gate City Bank leads the market. With only 45 loans, a few deals can move any of these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Hometown Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.8% · Purchase 37.8% · Other 4.4%
Conventional 100.0% · of 45 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 | 43 | 95.6% |
| Florida | 1 | 2.2% |
| South Dakota | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bismarck | 11 |
| Fargo | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SI84V60XS2R422 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2291 | 2018–2023 |
Established 1 January 1949. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Hometown Credit Union's data.
Hometown Credit Union's data
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Hometown 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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