Affinity Plus in North Dakota vs the state
13.3%Denial rate+1.89 pts vs state
16.0%Decision denial rate+2.28 pts vs state
63.3%Origination rate-6.36 pts vs state
6.49%Median rate-0.01 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$112kMedian applicant income
19Loans originated
4Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 15 | 25.8% | 6.25% | #75 |
| 2024 | 36 | 27 | 13.9% | 7.24% | #74 |
| 2025 | 30 | 19 | 13.3% | 6.49% | #90 |
What Affinity Plus lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Affinity Plus applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 18 | 13 | 1 | 5.6% |
| Williams County | 4 | 1 | 2 | 50.0% |
| Emmons County | 2 | 0 | 1 | 50.0% |
| Grand Forks County | 2 | 2 | 0 | 0.0% |
| Morton County | 1 | 0 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Stutsman County | 1 | 1 | 0 | 0.0% |
| Pembina 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: 30 applications in 2025, of which 19 were originated and 4 denied.
13.3% of all applications, or 16.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Affinity Plus originated in North Dakota in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Affinity Plus'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