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State markets/North Dakota/Cass County

COUNTY MORTGAGE MARKET · FIPS 38017

Cass County, North Dakota

Who lends in Cass County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$1.41B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

4,100

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

9.3%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

202

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 202 lenders that originated in Cass County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

451

unconcentrated

Top-5 lender share

38.2%

of originations

Purchase

73.5%

2,411 loans

Refinance

26.5%

868 loans

Origination trend

Annual mortgage origination volume and loan count in Cass County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Cass County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Cass County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR CASS COUNTY →

TOP TEN LENDERS IN CASS COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

580$161.2M$161.2M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
747$150.0M$150.0M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
262$105.0M$105.0M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
208$64.7M$64.7M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
22$56.4M$56.4M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
155$51.2M$51.2M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
123$46.4M$46.4M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
62$46.3M$46.3M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
3$45.6M$45.6M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
88$45.0M$45.0M originated in Cass County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Cass County

All 30 ZIP Code Tabulation Areas that touch Cass County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
30 OF 30 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
99 of the 9 Cass County tracts this ZIP area touches sit mostly inside it.48,36019.9%9,716——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 16 Cass County tracts this ZIP area touches sit mostly inside it.41,51127.2%8,609——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 10 Cass County tracts this ZIP area touches sit mostly inside it.38,52615.7%9,417——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 12 Cass County tracts this ZIP area touches sit mostly inside it.36,94118.7%6,699——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Cass County tracts this ZIP area touches sit mostly inside it.5,1077.7%1,546——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 4 Cass County tracts this ZIP area touches sit mostly inside it.3,3706.7%1,037——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Cass County tracts this ZIP area touches sit mostly inside it.3,2167.2%997——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Cass County tract this ZIP area touches sit mostly inside it.3,1555.2%981——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Cass County tract this ZIP area touches sit mostly inside it.2,4375.1%764——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Cass County tract this ZIP area touches sit mostly inside it.1,9024.5%671——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 3 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Cass County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

44 of Cass County’s 44 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Cass County

All 44 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

44 OF 44 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper128.3%5,1846.7%OPEN →
Moderate73.4%2,83815.6%OPEN →
Middle84.9%3,35114.8%OPEN →
Upper143.8%5,23923.7%OPEN →
Middle88.6%3,81313.2%OPEN →
Moderate59.5%3,41316.6%OPEN →
Low32.6%3,66617.6%OPEN →
Moderate58.9%2,33626.6%OPEN →
Low47.7%2,60723.3%OPEN →
Low50.0%1,85521.2%OPEN →
Middle101.1%3,10217.1%OPEN →
Moderate67.8%4,88730.9%OPEN →
Middle89.6%4,81613.1%OPEN →
Moderate63.4%3,50728.3%OPEN →
Middle85.9%4,12617.1%OPEN →
Moderate72.7%3,77223.3%OPEN →
Middle97.4%4,25619.0%OPEN →
Moderate58.4%4,57648.4%OPEN →
Moderate56.2%2,63939.0%OPEN →
Middle91.5%3,78921.1%OPEN →
Upper123.8%2,36116.9%OPEN →
Low28.3%3,58142.3%OPEN →
Middle112.0%4,6739.6%OPEN →
Upper137.3%3,7279.0%OPEN →
Middle89.9%5,79718.6%OPEN →
Middle99.6%6,53020.4%OPEN →
Middle108.7%4,02823.6%OPEN →
Upper142.3%1,9949.2%OPEN →
Middle93.4%4,88830.9%OPEN →
Middle102.6%1,9024.5%OPEN →
Middle117.4%2,4375.1%OPEN →
Middle108.7%3,3706.7%OPEN →
Middle115.0%7,86021.8%OPEN →
Upper129.3%8,90918.5%OPEN →
Upper188.1%3,2167.2%OPEN →
Middle115.8%6,39318.4%OPEN →
Upper128.0%5,78015.9%OPEN →
Upper143.2%3,80916.5%OPEN →
Upper126.6%3,68311.6%OPEN →
Upper138.0%5,58716.3%OPEN →
Upper142.3%5,62516.3%OPEN →
Middle115.1%3,1555.2%OPEN →
Moderate74.8%6,34128.2%OPEN →
Upper129.2%5,1077.7%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

193,400

Median household income

$75,555

Median home value

$298,000

Median gross rent

$958

per month

Owner-occupied

52.0%

of occupied units

Housing units

89,038

5.7% vacant

Poverty rate

11.0%

Unemployment

3.0%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively Moderate

score 82.4

Social vulnerability

Very Low

Community resilience

Very High

ELEVATED PERILS

Hail Relatively High · Strong wind Very High · Winter weather Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

124

Declarations recorded

35

Incident types on record: Biological, Coastal Storm, Flood, Severe Storm, Winter Storm.

Everything we hold on Cass County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Cass County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Cass County →Every reported application and origination in FIPS 38017, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Cass County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

234

—

Purchase share

52.1%

122 loans

IRRRL refinances

81

Cash-out refinances

31

2026234—1228131
2025269—1885526
2024208—1702117
2023187—157525
2022——2255456
2021694—23037985
2020558—21327867
2019289—2062558
2018296—2211461
2017385—2435785
2016329—1945778
2015292—1875550

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Cass County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Cass County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

659

−9.5% vs 2024

Multifamily · 2025

495

+0.0% vs 2024

Total authorized · 2025

1,154

−5.6% vs 2024

Permit valuation · 2025

$309.9M

authorized construction value

Units authorized by year

Cass County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420251,154 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Cass County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Other flows - Midwest, DS8901,315$48.1M
outflow2223Clay County, MN8901,523$45.2M
inflow2223Clay County, MN8731,346$44.7M
outflow2223Other flows - Midwest, DS8551,400$53.3M
outflow2223Other flows - South, DS6261,086$51.1M
inflow2223Other flows - South, DS548971$31.2M
inflow2223Other flows - West, DS483804$28.3M
outflow2223Other flows - West, DS477705$33.1M
outflow2223Hennepin County, MN321477$19.2M
inflow2223Grand Forks County, ND308416$16.3M
inflow2223Burleigh County, ND214309$12.1M
outflow2223Grand Forks County, ND202269$11.7M
inflow2223Otter Tail County, MN191255$9.1M
inflow2223Other flows - Northeast, DS173274$7.3M
outflow2223Other flows - Northeast, DS173279$9.1M
inflow2223Hennepin County, MN162228$11.2M
outflow2223Burleigh County, ND141216$9.4M
inflow2223Becker County, MN140203$11.1M
outflow2223Maricopa County, AZ138226$13.7M
outflow2223Otter Tail County, MN133229$12.3M
inflow2223Richland County, ND132206$7.7M
outflow2223Becker County, MN127200$9.4M
outflow2223Richland County, ND111179$8.9M
inflow2223Ward County, ND108169$6.3M
outflow2223Ramsey County, MN94153$4.4M
inflow2223Barnes County, ND89130$5.0M
inflow2223Maricopa County, AZ82128$7.0M
inflow2223Stutsman County, ND7090$2.9M
inflow2223Polk County, MN7091$3.5M
inflow2223Douglas County, MN6786$3.3M
inflow2223Dakota County, MN6780$3.5M
inflow2223Stearns County, MN6481$2.9M
outflow2223Dakota County, MN6088$3.4M
inflow2223Traill County, ND5881$3.0M
outflow2223Ward County, ND5899$4.4M
inflow2223Anoka County, MN5786$2.8M
outflow2223Barnes County, ND56102$3.8M
outflow2223Stearns County, MN5384$2.2M
inflow2223Ransom County, ND5391$3.5M
inflow2223Walsh County, ND5073$2.6M
outflow2223Stutsman County, ND5067$2.0M
inflow2223Morton County, ND5068$2.6M
inflow2223Ramsey County, MN5080$1.9M
inflow2223Ramsey County, ND4779$2.1M
inflow2223Stark County, ND4757$2.2M
outflow2223Traill County, ND4694$4.6M
inflow2223Beltrami County, MN4562$1.9M
inflow2223Crow Wing County, MN4556$2.1M
inflow2223Sherburne County, MN4457$1.9M
outflow2223Morton County, ND4461$2.9M
inflow2223St. Louis County, MN4261$2.5M
inflow2223Minnehaha County, SD4185$3.4M
outflow2223Minnehaha County, SD4061$2.3M
outflow2223Washington County, MN3957$2.5M
inflow2223Williams County, ND3961$1.7M
outflow2223Ransom County, ND3857$2.4M
outflow2223St. Louis County, MN3647$2.3M
outflow2223Anoka County, MN3659$1.8M
outflow2223Polk County, MN3654$1.9M
outflow2223Clark County, NV3445$2.6M
inflow2223Wilkin County, MN3347$1.9M
outflow2223Olmsted County, MN3351$1.7M
inflow2223Clark County, NV3347$1.6M
inflow2223Pennington County, MN3253$1.3M
inflow2223Hubbard County, MN3242$1.1M
inflow2223Wright County, MN3237$1.6M
outflow2223Douglas County, MN3143$2.1M
outflow2223Scott County, MN3150$2.1M
outflow2223Cook County, IL3035$2.3M
inflow2223Roseau County, MN2934$1.4M
inflow2223Pembina County, ND2942$1.9M
inflow2223Harris County, TX2961$1.7M
inflow2223Foreign - Other flows, FR2850$1.5M
outflow2223Harris County, TX2842$1.1M
outflow2223Beltrami County, MN2648$1.0M
outflow2223Wright County, MN2637$1.5M
inflow2223Washington County, MN2527$1.2M
outflow2223Polk County, IA2535$1.4M
inflow2223Rolette County, ND2446$1.1M
inflow2223Itasca County, MN2427$1.0M
outflow2223Foreign - Other flows, FR2439$2.0M
inflow2223Scott County, MN2328$1.2M
inflow2223Olmsted County, MN2331$1.8M
inflow2223Cook County, IL2330$1.2M
outflow2223Norman County, MN2341$1.3M
outflow2223Ramsey County, ND2341$1.4M
outflow2223Hubbard County, MN2234$1.7M
outflow2223Dallas County, TX2222$1.2M
outflow2223El Paso County, CO2227$1.5M
inflow2223Sargent County, ND2233$889K
outflow2223Lee County, FL2234$2.6M
outflow2223Sargent County, ND2234$922K
inflow2223Orange County, CA2159$1.2M
outflow2223Arapahoe County, CO2124$1.1M
outflow2223Larimer County, CO2135$1.6M
outflow2223Denver County, CO2022$836K
outflow2223Lincoln County, SD2031$1.1M
outflow2223Travis County, TX2026$896K
inflow2223Wadena County, MN2027$898K
inflow2223Brown County, SD2033$1.4M
inflow2122Foreign - Other flows, FR———
outflow2122Foreign - Other flows, FR———
inflow2122Clay County, MN9391,477$50.3M
inflow2122Other flows - Midwest, DS8881,380$50.9M
outflow2122Clay County, MN8371,472$40.5M
outflow2122Other flows - Midwest, DS8121,339$48.8M
outflow2122Other flows - South, DS6821,263$110.0M
inflow2122Other flows - West, DS497835$33.5M
inflow2122Other flows - South, DS488869$26.1M
outflow2122Other flows - West, DS471731$29.8M
inflow2122Grand Forks County, ND339479$19.4M
outflow2122Hennepin County, MN309415$20.4M
inflow2122Burleigh County, ND222310$11.8M
outflow2122Other flows - Northeast, DS202309$12.2M
outflow2122Grand Forks County, ND185280$7.9M
inflow2122Other flows - Northeast, DS184332$9.5M
inflow2122Otter Tail County, MN167246$12.8M
inflow2122Hennepin County, MN166254$10.8M
outflow2122Otter Tail County, MN138231$13.4M
outflow2122Becker County, MN136229$12.7M
outflow2122Richland County, ND130210$7.2M
outflow2122Maricopa County, AZ125188$10.6M
outflow2122Burleigh County, ND123183$8.3M
inflow2122Becker County, MN120177$6.8M
inflow2122Ward County, ND118194$7.9M
inflow2122Richland County, ND111172$8.5M
inflow2122Stutsman County, ND98147$5.3M
inflow2122Maricopa County, AZ93141$8.6M
inflow2122Barnes County, ND86134$5.7M
outflow2122Ramsey County, MN78113$3.7M
inflow2122Traill County, ND74128$4.6M
inflow2122Williams County, ND66124$5.6M
outflow2122Barnes County, ND63103$2.8M
outflow2122Stutsman County, ND6090$5.5M
outflow2122Morton County, ND5987$3.1M
inflow2122Morton County, ND5783$3.5M
inflow2122Dakota County, MN5787$3.8M
inflow2122Ramsey County, MN5784$2.9M
inflow2122Polk County, MN5468$3.7M
inflow2122Stearns County, MN5376$2.3M
outflow2122Anoka County, MN5180$2.3M
inflow2122Minnehaha County, SD49100$3.2M
inflow2122Ransom County, ND4991$2.9M
inflow2122Douglas County, MN4967$3.1M
outflow2122Stearns County, MN4980$2.3M
outflow2122Dakota County, MN4979$2.2M
outflow2122Ward County, ND4873$3.9M
inflow2122Anoka County, MN4769$2.3M
outflow2122Douglas County, MN4573$3.2M
inflow2122Walsh County, ND4263$2.6M
outflow2122Traill County, ND4282$3.5M
outflow2122St. Louis County, MN4253$2.7M
inflow2122St. Louis County, MN4253$2.5M
inflow2122Stark County, ND4172$1.8M
inflow2122Ramsey County, ND4057$2.7M
inflow2122Beltrami County, MN4053$1.7M
inflow2122Rolette County, ND3967$1.2M
outflow2122Polk County, MN3854$1.3M
inflow2122Wilkin County, MN3753$1.8M
outflow2122Norman County, MN3559$1.5M
outflow2122Minnehaha County, SD3458$2.2M
inflow2122Los Angeles County, CA3364$1.2M
inflow2122Wright County, MN3250$1.8M
outflow2122El Paso County, CO3268$2.4M
outflow2122Ransom County, ND3264$1.9M
outflow2122Hubbard County, MN3147$3.6M
outflow2122King County, WA3147$3.1M
outflow2122Wright County, MN3153$1.5M
outflow2122Scott County, MN3147$2.2M
outflow2122Clark County, NV3151$1.9M
outflow2122Harris County, TX3051$1.9M
outflow2122Sherburne County, MN2940$1.2M
inflow2122Clark County, NV2955$1.3M
inflow2122Sherburne County, MN2933$1.2M
inflow2122Norman County, MN2942$1.3M
outflow2122Denver County, CO2832$1.2M
outflow2122Dallas County, TX2838$2.0M
outflow2122Sargent County, ND2842$1.3M
inflow2122Itasca County, MN2835$1.1M
inflow2122Sargent County, ND2840$1.2M
outflow2122Beltrami County, MN2733$1.1M
inflow2122Brown County, SD2746$2.2M
outflow2122Washington County, MN2739$2.4M
inflow2122Crow Wing County, MN2631$712K
inflow2122Pembina County, ND2545$1.2M
outflow2122Olmsted County, MN2437$1.2M
inflow2122Hubbard County, MN2428$1.3M
inflow2122Marshall County, MN2427$840K
outflow2122Cook County, IL2437$1.5M
outflow2122Ramsey County, ND2335$1.4M
outflow2122Williams County, ND2335$742K
outflow2122Crow Wing County, MN2333$1.1M
outflow2122Wilkin County, MN2238$839K
inflow2122El Paso County, CO2238$1.2M
inflow2122Cook County, IL2229$939K
inflow2122Tarrant County, TX2138$833K
inflow2122Washington County, MN2123$983K
inflow2122Polk County, IA2131$881K
outflow2122Polk County, IA2139$1.0M
outflow2122Stark County, ND2028$794K

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Cass County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals1,373.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals183.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals1,556.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals327,000.0
2023BothNo CharacteristicAll Appraisals320,000.0
2023PurchaseNo CharacteristicAll Appraisals320,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals320,400.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals322,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals375.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals305,000.0
2022BothNo CharacteristicAll Appraisals2,238.0
2022PurchaseNo CharacteristicAll Appraisals1,863.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals283,800.0
2021BothNo CharacteristicAll Appraisals3,305.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals2,085.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals1,220.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals287,000.0
2021PurchaseNo CharacteristicAll Appraisals0.7
2021PurchaseNo CharacteristicAll Appraisals290,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals3,865.0
2020PurchaseNo CharacteristicAll Appraisals1,797.0
2020PurchaseNo CharacteristicAll Appraisals0.8
2020BothNo CharacteristicAll Appraisals285,000.0
2020RefinanceNo CharacteristicAll Appraisals316,300.0
2020RefinanceNo CharacteristicAll Appraisals2,068.0
2020PurchaseNo CharacteristicAll Appraisals255,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals262,300.0
2019PurchaseNo CharacteristicAll Appraisals1,404.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals295,000.0
2019BothNo CharacteristicAll Appraisals2,202.0
2019RefinanceNo CharacteristicAll Appraisals798.0
2019PurchaseNo CharacteristicAll Appraisals247,800.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals250,000.0
2018BothNo CharacteristicAll Appraisals1,991.0
2018PurchaseNo CharacteristicAll Appraisals1,463.0
2018RefinanceNo CharacteristicAll Appraisals528.0
2018BothNo CharacteristicAll Appraisals246,000.0
2018PurchaseNo CharacteristicAll Appraisals245,000.0
2018PurchaseNo CharacteristicAll Appraisals0.8
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals249,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals2,153.0
2017PurchaseNo CharacteristicAll Appraisals1,409.0
2017PurchaseNo CharacteristicAll Appraisals250,000.0
2017RefinanceNo CharacteristicAll Appraisals744.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals250,000.0
2016PurchaseNo CharacteristicAll Appraisals1,723.0
2016RefinanceNo CharacteristicAll Appraisals265,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals245,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals254,800.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals3,172.0
2016RefinanceNo CharacteristicAll Appraisals1,449.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals237,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals240,000.0
2015BothNo CharacteristicAll Appraisals2,738.0
2015RefinanceNo CharacteristicAll Appraisals1,172.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals1,566.0
2015BothNo CharacteristicAll Appraisals238,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals215,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Cass County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05118,753116,5692,1841.8%
2026-04118,680116,0922,5882.2%
2026-03119,384116,2013,1832.7%
2026-02119,330115,8653,4652.9%
2026-01119,246115,6933,5533.0%
2025-12118,727115,7173,0102.5%
2025-11119,201116,6282,5732.2%
2025-09120,049117,4952,5542.1%
2025-08120,576117,6272,9492.4%
2025-07120,429117,6142,8152.3%
2025-06121,234117,9593,2752.7%
2025-05119,732117,0482,6842.2%
2025-04120,136116,9963,1402.6%
2025-03119,551116,0363,5152.9%
2025-02118,948115,4313,5173.0%
2025-01118,425114,9833,4422.9%
2024-12117,324114,6022,7222.3%
2024-11117,700115,1782,5222.1%
2024-10117,364115,2182,1461.8%
2024-09118,477116,2982,1791.8%
2024-08119,764117,1532,6112.2%
2024-07119,922117,4092,5132.1%
2024-06119,714116,7682,9462.5%
2024-05117,661115,3882,2731.9%
2024-04117,744115,2512,4932.1%
2024-03117,417114,3643,0532.6%
2024-02116,640113,6093,0312.6%
2024-01116,390113,5212,8692.5%
2023-12115,193113,0462,1471.9%
2023-11116,060114,2781,7821.5%
2023-10115,824114,0751,7491.5%
2023-09117,349115,5521,7971.5%
2023-08117,859115,9321,9271.6%
2023-07118,421116,5841,8371.6%
2023-06117,809115,3892,4202.1%
2023-05116,447114,5041,9431.7%
2023-04116,138113,9532,1851.9%
2023-03115,759113,1192,6402.3%
2023-02115,450112,8512,5992.3%
2023-01114,468111,9922,4762.2%
2022-12112,845110,9721,8731.7%
2022-11114,180112,5231,6571.5%
2022-10113,686112,1931,4931.3%
2022-09114,560113,0201,5401.3%
2022-08115,484113,5561,9281.7%
2022-07116,402114,6271,7751.5%
2022-06115,738113,4242,3142.0%
2022-05114,774112,9971,7771.5%
2022-04114,159112,0942,0651.8%
2022-03113,139110,4722,6672.4%
2022-02113,218110,7442,4742.2%
2022-01112,454109,9202,5342.3%
2021-12111,682109,8741,8081.6%
2021-11111,820110,1591,6611.5%
2021-10111,702110,0831,6191.4%
2021-09112,473110,5821,8911.7%
2021-08112,431110,1852,2462.0%
2021-07113,407110,9812,4262.1%
2021-06112,308108,9823,3263.0%
2021-05111,427108,8102,6172.3%
2021-04110,281107,2133,0682.8%
2021-03110,052106,5203,5323.2%
2021-02110,473106,4933,9803.6%
2021-01109,160105,3873,7733.5%
2020-12107,970104,3563,6143.3%
2020-11108,738105,4353,3033.0%
2020-10109,550106,3733,1772.9%
2020-09109,911106,1113,8003.5%
2020-08110,640106,1354,5054.1%
2020-07110,624105,0815,5435.0%
2020-06109,631103,0746,5576.0%
2020-05107,771100,4737,2986.8%
2020-04106,59697,8998,6978.2%
2020-03107,043104,3832,6602.5%
2020-02108,893106,7632,1302.0%
2020-01107,748105,2892,4592.3%
2019-12107,346105,6771,6691.6%
2019-11108,186106,7151,4711.4%
2019-10108,512107,2771,2351.1%
2019-09108,814107,3191,4951.4%
2019-08109,191107,5511,6401.5%
2019-07109,677107,8651,8121.7%
2019-06108,728106,6142,1141.9%
2019-05108,547106,8411,7061.6%
2019-04107,656105,5252,1312.0%
2019-03107,527104,8452,6822.5%
2019-02107,796105,2272,5692.4%
2019-01106,114103,3222,7922.6%
2018-12106,490104,4062,0842.0%
2018-11105,976104,3821,5941.5%
2018-10106,050104,6061,4441.4%
2018-09106,101104,5071,5941.5%
2018-08107,022105,1491,8731.8%
2018-07107,755105,8721,8831.7%
2018-06107,049104,6282,4212.3%
2018-05107,121105,2911,8301.7%
2018-04106,908104,3812,5272.4%
2018-03106,979104,0472,9322.7%
2018-02107,219104,3052,9142.7%
2018-01105,610102,6892,9212.8%

BEA Personal Income

2024$14.89B200,945$74K
2023$14.30B198,157$72K
2022$13.47B193,670$70K
2021$12.79B189,330$68K
2020$11.35B184,897$61K
2019$10.55B183,103$58K
2018$10.34B181,632$57K
2017$9.60B178,799$54K
2016$9.25B175,147$53K
2015$9.12B171,519$53K
2014$8.83B167,189$53K
2013$8.18B163,331$50K
2012$8.03B157,744$51K
2011$7.17B153,479$47K
2010$6.50B150,345$43K
2009$6.06B147,872$41K
2008$6.15B144,290$43K
2007$5.56B141,316$39K
2006$5.19B138,340$37K
2005$4.77B135,181$35K
2004$4.47B133,197$34K
2003$4.14B129,356$32K
2002$3.95B127,119$31K
2001$3.76B125,520$30K
2000$3.78B123,662$31K
1999$3.43B121,921$28K
1998$3.22B119,973$27K
1997$2.96B117,616$25K
1996$2.79B115,448$24K
1995$2.57B113,643$23K
1994$2.43B111,619$22K
1993$2.23B109,356$20K
1992$2.14B107,248$20K
1991——$19K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Cass County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2025-08-07$1K$1K$0Yes
2025-08-05$0——Yes
2025-08-05$0$0$0Yes
2025-08-05$2K$2K$0Yes
2025-06-20$0——Yes
2024-07-05$0$0$0Yes
2024-06-12$0$0$0Yes
2024-06-03$0$0$0Yes
2023-12-26$0$0$0Yes
2023-12-26$0$0$0Yes
2023-04-15$4K$4K$0Yes
2022-05-09$31K$31K$0No
2022-05-09$802.36$802.36$0Yes
2022-05-09$0$0$0Yes
2022-05-09$8K$8K$0No
2022-05-08$3K$3K$0Yes
2022-05-01$0$0$0Yes
2022-04-20$0$0$0Yes
2020-08-14$34K$30K$4KYes
2020-04-14$6K$0$6KYes
2020-04-10$423$423$0Yes
2020-04-10$1K$1K$0Yes
2020-04-09$1K$1K$0Yes
2020-04-06$0$0$0Yes
2020-04-06$2K$2K$0Yes
2020-03-31$281.05$281.05$0Yes
2020-03-28$0$0$0Yes
2019-10-11$13K$13K$0Yes
2019-07-08$0——Yes
2019-07-07$1K$1K$0Yes
2019-04-21$0——Yes
2019-04-19$432.72$432.72$0Yes
2019-04-18$0——Yes
2019-04-17$855.44$855.44$0Yes
2019-04-12$5K$5K$0Yes
2019-04-12$8K$8K$0Yes
2019-04-12$6K$6K$0Yes
2019-04-10$557.94$557.94$0Yes
2019-04-09$469.32$469.32$0Yes
2019-04-08$290.36$290.36$0Yes
2019-04-07$0——No
2019-04-07$22K$22K$0Yes
2019-04-06$1K$1K$0Yes
2019-04-04$369.58$369.58$0Yes
2019-04-02$0——Yes
2019-03-30$1K$1K$0Yes
2019-03-28$880.58$880.58$0Yes
2019-03-27$1K$1K$0Yes
2019-03-15$1K$1K$0Yes
2019-03-08$571.64$571.64$0Yes
2018-06-10$1K$1K$0No
2018-06-04$0——Yes
2015-10-01$0——Yes
2015-06-01$0——Yes
2015-05-15$0——Yes
2015-05-11$0——Yes
2014-09-04$0——Yes
2013-06-26$0——Yes
2013-06-26$3K$3K$0Yes
2013-06-26$3K$3K$0Yes
2013-06-26$333.28$333.28$0No
2013-06-24$0——No
2013-06-20$4K$4K$0No
2013-05-31$0——Yes
2013-05-30$0——Yes
2013-05-29$11K$11K$0No
2013-05-29$0——Yes
2013-05-29$0——No
2013-05-29$0——Yes
2013-05-26$5K$5K$0Yes
2013-05-02$188.5$188.5$0Yes
2013-05-02$898.08$898.08$0Yes
2013-05-01$405.49$405.49$0Yes
2013-05-01$915.98$915.98$0Yes
2013-05-01$0——Yes
2013-05-01$1K$1K$0Yes
2013-04-30$1K$1K$0Yes
2013-04-29$1K$1K$0Yes
2013-04-29$409.34$409.34$0Yes
2013-04-29$4K$4K$0No
2013-04-27$660.04$660.04$0No
2013-04-26$286.83$286.83$0Yes
2013-04-24$358.43$358.43$0Yes
2013-04-21$500.53$500.53$0Yes
2013-04-20$585.79$585.79$0Yes
2013-04-19$0——Yes
2013-04-16$0——Yes
2013-04-07$638$0$638Yes
2013-03-31$515.11$515.11$0Yes
2013-03-21$0——Yes
2013-03-21$0——Yes
2013-03-16$1K$1K$0Yes
2013-03-16$1K$1K$0Yes
2012-03-11$0——Yes
2011-10-06$0——Yes
2011-07-23$977.43$977.43$0Yes
2011-07-19$16K$16K$0Yes
2011-07-19$3K$3K$0Yes
2011-07-19$2K$2K$0Yes
2011-06-27$0——Yes

ALSO CHECKED

18 more data areas were checked for Cass County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the ND state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN CASS COUNTY →Opens the loan explorer already filtered to county FIPS 38017.

See the North Dakota state market profile for the statewide picture, the North Dakota state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.