Applications / Mortgage Analytics / Lenders / North Dakota / Valley Mortgage / Competition
Valley Mortgage
Fargo, ND · Independent non-bank lender · CFPB · 243 loans in 2025
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243
loans originated, 2025
277
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who Valley Mortgage 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
Valley Mortgage ranks 5th of 207 lenders in Fargo, MN-ND, with $63.6M lent: 3.6% 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 Valley Mortgage 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 — NON-METRO MINNESOTA, 2025
Valley Mortgage ranks 143rd of 536 lenders in non-metro Minnesota, with $5.8M lent: 0.1% 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 Valley Mortgage 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 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO NORTH DAKOTA, 2025
Valley Mortgage ranks 54th of 191 lenders in non-metro North Dakota, with $3.4M lent: 0.3% 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 Valley Mortgage 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 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
Valley Mortgage ranks 392nd of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $2.1M lent: 0.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Valley Mortgage 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
Valley Mortgage ranks 44th of 131 lenders in Grand Forks, MN-ND, with $1.3M lent: 0.3% 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 Valley Mortgage 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 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — BISMARCK, ND, 2025
Valley Mortgage ranks 105th of 145 lenders in Bismarck, ND, with $405K lent: 0.1% of a $795.9M market.
Bismarck, ND is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Valley Mortgage 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
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Valley Mortgage 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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