21st Mortgage in North Dakota vs the state
42.8%Denial rate+31.38 pts vs state
59.9%Decision denial rate+46.14 pts vs state
27.7%Origination rate-42.00 pts vs state
11.10%Median rate+4.60 pts vs state
5.83Rate spread (pts)+5.59 pts vs state
$70kMedian applicant income
108Loans originated
167Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 47 | 45.5% | 10.35% | #23 |
| 2024 | 270 | 68 | 42.2% | 10.28% | #18 |
| 2025 | 390 | 108 | 42.8% | 11.10% | #12 |
What 21st Mortgage lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morton County | 63 | 24 | 28 | 44.4% |
| Cass County | 62 | 14 | 25 | 40.3% |
| Burleigh County | 62 | 21 | 28 | 45.2% |
| Stark County | 53 | 20 | 23 | 43.4% |
| Grand Forks County | 41 | 10 | 16 | 39.0% |
| Williams County | 38 | 6 | 12 | 31.6% |
| Rolette County | 17 | 4 | 8 | 47.1% |
| Richland County | 12 | 0 | 11 | 91.7% |
| Ward County | 8 | 1 | 4 | 50.0% |
| McKenzie County | 7 | 2 | 3 | 42.9% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 390 applications in 2025, of which 108 were originated and 167 denied.
42.8% of all applications, or 59.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans 21st Mortgage originated in North Dakota in 2025 was 11.10%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology