Applications / Mortgage Analytics / Lenders / North Dakota / Western State Bank / Competition
Western State Bank
Devils Lake, ND · State non-member bank · FDIC · $2.6 billion assets · 240 loans in 2025
Western State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
240
loans originated, 2025
335
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Who Western State Bank 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
Western State Bank ranks 9th of 207 lenders in Fargo, MN-ND, with $56.9M lent: 3.2% 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 Western State Bank 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 — PHOENIX-MESA-CHANDLER, AZ, 2025
Western State Bank ranks 161st of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $53.0M lent: 0.1% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Western State Bank 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 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO NORTH DAKOTA, 2025
Western State Bank ranks 37th of 191 lenders in non-metro North Dakota, with $6.4M lent: 0.6% 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 Western State Bank 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 — NON-METRO MINNESOTA, 2025
Western State Bank ranks 202nd of 536 lenders in non-metro Minnesota, with $3.0M 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 Western State Bank 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. 5 — NON-METRO ARIZONA, 2025
Western State Bank ranks 128th of 311 lenders in non-metro Arizona, with $1.7M lent: 0.1% of a $1.67B market.
non-metro Arizona is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Western State Bank 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 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO UTAH, 2025
Western State Bank ranks 293rd of 349 lenders in non-metro Utah, with $545K lent: 0.0% of a $6.01B market.
non-metro Utah is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Western State Bank 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 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — RAPID CITY, SD, 2025
Western State Bank ranks 139th of 181 lenders in Rapid City, SD, with $415K lent: 0.0% of a $1.12B market.
Rapid City, SD is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Western State Bank 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 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — GREAT FALLS, MT, 2025
Western State Bank ranks 123rd of 136 lenders in Great Falls, MT, with $145K lent: 0.0% of a $564.2M market.
Great Falls, MT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Western State Bank 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 64% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Western State Bank 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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