Applications / Mortgage Analytics / Lenders / North Dakota / Unison Bank
Jamestown, ND · State non-member bank · FDIC · $599 million assets · 183 loans in 2025
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183
loans originated, 2025
262
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Unison Bank, a North Dakota bank, is above all a lender on manufactured homes, which made up 42.6% of its loans in 2025 against 2.8% at similar banks.
Few similar lenders, state non-member banks making between half and twice as many loans, come close to its share of manufactured homes. The typical loan was $105,000, against $175,000 at its peers, and purchases made up 68.3% of its lending. Its lending reaches beyond its home state: its largest market by dollars is Phoenix, though its share there rounds to nothing.
It made 35.0% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.6% at similar lenders and 16.9% for itself in 2020. That is higher than at nine in ten peers. Its share of loans to LMI borrowers, 36.7%, was also above the 27.7% of similar lenders.
It turned down 20.0% of decided applications to buy a home, against 5.9% at similar lenders, higher than at nine in ten of them. Its product could account for most of that gap. Applications for manufactured homes are turned down more often than others, and they make up a large share of its business.
It made 183 loans, up 8% from 169, close to the 10% of similar lenders and of the market. In non-metro North Dakota it ranks 21 of 191 lenders. It first reported in 2010, and its loans remain below the 308 it made in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Unison Bank took 262 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.3% · Refinance 12.6% · Home improvement 10.4% · Other 8.7%
Conventional 100.0% · of 183 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 | 94 | 51.4% |
| Arizona | 84 | 45.9% |
| Minnesota | 3 | 1.6% |
| South Dakota | 2 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 79 |
| Bismarck | 4 |
| Flagstaff | 4 |
| Fargo | 2 |
| Minneapolis-St. Paul-Bloomington | 1 |
| St. Cloud | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XRB0LTJL53XI04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 676151 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319396 | 2010–2017 |
Established 15 March 1965. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Unison Bank's data.
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