American Financing in North Dakota vs the state
50.0%Denial rate+38.56 pts vs state
60.5%Decision denial rate+46.81 pts vs state
17.4%Origination rate-52.30 pts vs state
6.00%Median rate-0.50 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$110kMedian applicant income
8Loans originated
23Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 2 | 53.9% | 6.63% | #104 |
| 2024 | 25 | 8 | 40.0% | 5.88% | #85 |
| 2025 | 46 | 8 | 50.0% | 6.00% | #73 |
What American Financing lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 8 | 0 | 5 | 62.5% |
| Cass County | 7 | 1 | 3 | 42.9% |
| Burleigh County | 7 | 1 | 2 | 28.6% |
| Williams County | 7 | 1 | 5 | 71.4% |
| McKenzie County | 3 | 1 | 2 | 66.7% |
| Ward County | 2 | 2 | 0 | 0.0% |
| Bottineau County | 2 | 1 | 1 | 50.0% |
| Richland County | 1 | 0 | 0 | 0.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Steele County | 1 | 0 | 1 | 100.0% |
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: 46 applications in 2025, of which 8 were originated and 23 denied.
50.0% of all applications, or 60.5% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans American Financing originated in North Dakota in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are American Financing'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