HMDA records
5,806
2025
Public institution profile · Bank · Not a recommendation
Gate City Bank
BankFargo, NDActive
FDIC certificate 27774
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 27774
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 657271
- OCC charter number
- 700257
- Not published — no verified match
- Official website
- https://www.gatecity.bank
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Fargo, ND
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 44
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- No published institution history result found
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Fargo, ND
- activity
- Published activity year 2025
- Listed branch locations
- 44
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- No published institution history result found
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
5,806reported records
3,046reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
3,046
2025
Denials
452
2025
Withdrawals
393
2025
Denial rate among decisioned applications
12.7%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 5,806 | 3,046 | 49 | 452 | 393 | 12.7% |
| 2024 | 4,682 | 3,056 | 63 | 480 | 366 | 13.3% |
| 2023 | 4,535 | 2,913 | 49 | 343 | 382 | 10.4% |
| 2022 | 5,546 | 3,752 | 67 | 307 | 484 | 7.4% |
| 2021 | 8,053 | 6,049 | 61 | 399 | 772 | 6.1% |
| 2020 | 8,459 | 6,479 | 66 | 309 | 966 | 4.5% |
| 2019 | 5,496 | 4,337 | 41 | 211 | 514 | 4.6% |
| 2018 | 4,937 | 3,773 | 43 | 214 | 482 | 5.3% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 4,894 |
| FHA | 717 |
| VA | 162 |
| RHS / FSA | 33 |
| Home purchase | 3,440 |
| Home improvement | 988 |
| Refinancing | 605 |
| Cash-out refinancing | 139 |
State reporting
32 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Gate City Bank
- Display name
- Gate City Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- August 9, 1989
- Established date
- January 1, 1923
- Charter class
- Federal savings bank
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Fargo, ND, 58102, United States
- Website
- https://www.gatecity.bank
- FDIC certificate number
- 27774
- Federal Reserve
- 657271
- OCC charter number
- 700257
- Domestic location count
- 46
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- Covered Savings Institution
- Primary activity
- NAICS 52211
- FDIC certificate
- 27774
- Federal Reserve
- 657271
- Headquarters
- 500 2nd Avenue North, Fargo, ND, 58102, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
Formal hierarchy
FFIEC NIC hierarchy rows
1
Showing 1 of 1 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| ROOT_INSTITUTION | GATE CITY BANK | Covered Savings Institution | Fargo, ND |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured federal savings bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
44
Showing 1 through 44 of 44 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ALEXANDRIA BRANCH | 1630 Broadway Street | Alexandria | MN | 56308 |
| ELK RIVER COBORN'S OFFICE | 19425 Evans Street NW | Elk River | MN | 55330 |
| FERGUS FALLS BRANCH | 428 West Lincoln Avenue | Fergus Falls | MN | 56537 |
| HORNBACHER'S MOORHEAD BRANCH | 101 11th ST S | Moorhead | MN | 56560 |
| MOORHEAD - DOWNTOWN OFFICE | 305 8th Street South | Moorhead | MN | 56560 |
| SOUTH MOORHEAD HORNBACHER'S OFFICE | 950 40th Avenue South | Moorhead | MN | 56560 |
| SOUTH MOORHEAD OFFICE | 2929 South 20th Street | Moorhead | MN | 56560 |
| SAINT CLOUD CASH WISE OFFICE | 1001 4th St. SE | Saint Cloud | MN | 56304 |
| SAUK RAPIDS COBORN'S OFFICE | 110 1st St. S. | Sauk Rapids | MN | 56379 |
| WAITE PARK CASH WISE OFFICE | 113 Waite Avenue S. | Waite Park | MN | 56387 |
| BISMARCK - COUNTRY WEST OFFICE | 1725 Golf Drive | Bismarck | ND | 58503 |
| BISMARCK CASH WISE OFFICE | 1144 E. Bismarck Expressway | Bismarck | ND | 58504 |
| BISMARCK DOWNTOWN OFFICE | 304 East Rosser Avenue | Bismarck | ND | 58502 |
| BISMARCK GATEWAY OFFICE | 2710 North State Street | Bismarck | ND | 58501 |
| BISMARCK SUNRISE TOWN CENTER OFFICE | 3204 Yorktown Drive | Bismarck | ND | 58503 |
| CARRINGTON OFFICE | 720 Main | Carrington | ND | 58421 |
| DEVILS LAKE OFFICE | 601 Fourth Street | Devils Lake | ND | 58301 |
| DICKINSON CASH WISE OFFICE | 1761 3rd Avenue West | Dickinson | ND | 58601 |
| DICKINSON OFFICE | 204 Sims Street | Dickinson | ND | 58602 |
| FARGO - HORNBACHER'S AT OSGOOD | 4151 45th Street South | Fargo | ND | 58104 |
| FARGO - NORTH OFFICE | 2501 Broadway | Fargo | ND | 58102 |
| FARGO HORNBACHER'S AT SOUTHGATE BRANCH | 1532 32nd Avenue South | Fargo | ND | 58103 |
| FARGO HORNBACHER'S AT VILLAGE WEST OFFICE | 4101 13th Avenue South | Fargo | ND | 58103 |
| FARGO SOUTHPOINTE OFFICE | 3100 25th Street South | Fargo | ND | 58103 |
| FARGO WOODHAVEN OFFICE | 3800 51st Avenue South | Fargo | ND | 58104 |
| SOUTH UNIVERSITY OFFICE | 1501 South University Drive | Fargo | ND | 58103 |
| VILLAGE WEST OFFICE | 3909 13th Avenue South | Fargo | ND | 58103 |
| GRAND FORKS COLUMBIA OFFICE | 2850 24th Avenue South | Grand Forks | ND | 58201 |
| GRAND FORKS DOWNTOWN OFFICE | 501 Demers Avenue | Grand Forks | ND | 58201 |
| GRAND FORKS SOUTH WASHINGTON OFFICE | 3205 South Washington Street | Grand Forks | ND | 58201 |
| HETTINGER OFFICE | 111 South Main Street | Hettinger | ND | 58639 |
| JAMESTOWN OFFICE | 309 2nd Avenue Southwest | Jamestown | ND | 58401 |
| MANDAN OFFICE | 405 East Main Street | Mandan | ND | 58554 |
| MAYVILLE OFFICE | 11 First Street SE | Mayville | ND | 58257 |
| MINOT DAKOTA SQUARE OFFICE | 924 31st Avenue SW | Minot | ND | 58701 |
| MINOT DOWNTOWN OFFICE | 1017 South Broadway | Minot | ND | 58701 |
| MOHALL OFFICE | 101 East Main Street | Mohall | ND | 58761 |
| PARK RIVER OFFICE | 201 Briggs Avenue South | Park River | ND | 58270 |
| WAHPETON OFFICE | 802 Dakota Avenue | Wahpeton | ND | 58074 |
| HORNBACHER'S WEST FARGO OFFICE | 2050 Sheyenne Street | West Fargo | ND | 58078 |
| WEST FARGO OFFICE | 1119 9th Street East | West Fargo | ND | 58078 |
| WEST FARGO VETERANS BOULEVARD OFFICE | 837 31st Avenue East | West Fargo | ND | 58078 |
| WILLISTON CASH WISE FOODS | 300 11th Street West | Williston | ND | 58801 |
| WILLISTON OFFICE | 422 Main Street | Williston | ND | 58801 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.