A&D Mortgage in North Dakota vs the state
5.1%Denial rate-6.31 pts vs state
6.3%Decision denial rate-7.47 pts vs state
76.9%Origination rate+7.23 pts vs state
6.31%Median rate-0.19 pts vs state
0.00Rate spread (pts)-0.24 pts vs state
$110kMedian applicant income
30Loans originated
2Denied
What A&D 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 A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 16 | 12 | 1 | 6.3% |
| Ward County | 12 | 10 | 1 | 8.3% |
| Morton County | 3 | 3 | 0 | 0.0% |
| Mountrail County | 2 | 2 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
| Grand Forks County | 1 | 0 | 0 | 0.0% |
| McKenzie County | 1 | 0 | 0 | 0.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| McLean County | 1 | 0 | 0 | 0.0% |
| Burke County | 1 | 1 | 0 | 0.0% |
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: 39 applications in 2025, of which 30 were originated and 2 denied.
5.1% of all applications, or 6.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans A&D Mortgage originated in North Dakota in 2025 was 6.31%, against a statewide median of 6.50%.
About this data. Figures are A&D 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