LIVE EXAMPLEMortgage & Financing Climate on a demo property — real data, real report.Run this on your address →
RentariIQMortgage & Financing Climate
Report ID: svJHpcJpeC2c3suh
Prepared: August 03, 2026
Mortgage & Financing Climate for
Demo Property · West Fargo, ND
Photo hidden on this demo property
Your report shows your property's Street View photo.
Area context (demo location hidden)
4,100 mortgages totaling $1.4B were originated in Cass County in 2025; the 30-yr fixed now averages 6.66% nationally.
AI summary — generated from this report's data
In 2025, Cass County saw 4,100 mortgage originations totaling $1.4 billion, with an average loan size of $342,805. The national 30-year fixed mortgage rate is currently 6.66%. The mortgage delinquency rate for 30-89 days in Cass County was 1.10% in September 2025.
The average loan size in Cass County was $342,805 in 2025, indicating a significant level of financing activity.
The 30-89 day mortgage delinquency rate in Cass County increased by 0.30 points compared to a year ago, reaching 1.10% in September 2025.
It would be beneficial to verify the current local mortgage rates and lending conditions in Cass County, as the provided 30-year fixed rate of 6.66% is a national average.
mediumThe 30-89 day mortgage delinquency rate in Cass County increased by 0.30 points year-over-year to 1.10% in September 2025.
Advisory read: Consider how the reported mortgage origination volume, average loan size, and national interest rates might influence financing options for properties in Cass County.
Mortgages originated
4,100
Cass County · 2025 · avg loan $342,805
Mortgages originated
4,100
Cass County · 2025
Total volume
$1.4B
all originations
Average loan size
$342,805
volume ÷ originations
Purchase share
58.8%
of all originations
30-yr fixed (national)
6.66%
2026-07-30
Mortgage delinquency (30–89 day)
1.10%
CFPB, 2025-09
Mortgage rates this week (national)
30-yr fixed6.66% (2026-07-30)
Change vs a year ago-0.06 pp (from 6.72%)
15-yr fixed6.04% (2026-07-30)
Source: Freddie Mac Primary Mortgage Market Survey via FRED (Federal Reserve Bank of St. Louis). National weekly survey averages, shown unaltered.
Mortgage distress — Cass County
30–89 day delinquency rate1.10% (2025-09)
Change vs a year ago+0.30 pts vs a year ago
CFPB Mortgage Performance Trends, county 30–89 day delinquency rate (share of mortgages 30–89 days past due), monthly, through 2025-09. A rising early-delinquency rate is a leading stress signal for the local ownership market.
Early-delinquency trend
CFPB county 30–89 day mortgage delinquency rate, monthly (share of mortgages 30–89 days past due).
Loan-purpose mix — 2025
Originated loans by reported purpose (count · dollar volume).
Product mix — 2025
Originated loans by loan type (count · dollar volume).
Property size (units financed)
Single-family (1 unit)3,945 · $973.6M
2–4 units57 · $15.2M
5+ units (multifamily)98 · $416.7M
Originations by the property's total dwelling units (count · dollar volume).
How to read this
HMDA is the federal loan-level disclosure every covered lender must file, so this is the census of the county's mortgage activity — not a sample. Volume and mix show how liquid the local financing market is and what buyers are using; the national rate strip (when shown) is the price of that money today. Occupancy (owner vs investor) is not published at this aggregation level.
FFIEC HMDA 2025 originations (action taken = loan originated) for Cass County. The public HMDA file rounds loan values to $10,000 midpoints, so dollar figures are approximate.
Purpose mix shows purchase, rate/term refinance, and cash-out refinance; home-improvement and other-purpose loans are not shown, so splits may not sum to the total.
The public HMDA aggregation API publishes no occupancy-type split, so owner-occupant vs investor share is not shown.
Source: Freddie Mac Primary Mortgage Market Survey via FRED (Federal Reserve Bank of St. Louis)
Source: CFPB Mortgage Performance Trends, county 30–89 day delinquency, monthly (free public data).
Report generated on August 03, 2026. Figures are retrieved live or from a short-lived
cache (up to 30 days for some public-data sources), so a figure may pre-date this report —
each context card states its own data vintage. Comparable recency is shown per comp;
county assessment figures reflect the assessor's latest published tax year; HUD figures
reflect the current published fiscal year.
Rentari IQ rent estimates are informational market references, not pricing instructions. They are generated from your own property data, real comparable market listings, and — where local listing data is limited — AI-estimated market references (clearly labelled as such), never from other landlords' confidential rents, to support your own independent pricing decisions. You set your rents; Rentari does not. Every estimate is an advisory data point, and you remain solely responsible for the rent you charge. Estimates are not appraisals or legal advice and do not account for fair-housing, rent-control, or local pricing laws. Confirm every rent independently and comply with all applicable federal, state, and local requirements.
Disclaimer
This report is for informational purposes only and does not constitute financial, legal, investment, tax, or appraisal advice. Figures are drawn from the public and licensed data sources below and, where noted, AI-generated insights (Google Gemini) — always labelled as such. Please consult qualified professionals before making any decision.
Data sources
Rent comps & listings: RentCast · Property value, tax & assessment: ATTOM Data · Fair Market Rents & income limits: HUD (HUD.gov) · Demographics, income & housing medians: U.S. Census Bureau (American Community Survey) · New-construction supply: U.S. Census Bureau (Building Permits Survey) · Migration & income flows: IRS (Statistics of Income) · Employment, wages & rent inflation: U.S. Bureau of Labor Statistics · Flood zones & natural-hazard risk: FEMA (Flood Hazard Layer, National Risk Index) · Environmental screen & walkability: U.S. EPA (Superfund, AirNow, Walkability Index) · Seismic design values: U.S. Geological Survey · Mortgage market & rates: HMDA / Freddie Mac · Street View & geocoding: Google Maps · AI summaries & AI-estimated comps: Google Gemini (clearly labelled where used) · Your own executed leases: de-identified, from your account only
✦IQ AnalystAnswers only from this report
Ask me anything about this report — I answer only from the data saved in it.
Answers are advisory reads of this report's saved data — not pricing instructions or legal/financial advice.
RentariIQMortgage & Financing Climate