AmeriSave Mortgage in North Dakota vs the state
57.2%Denial rate+45.79 pts vs state
66.9%Decision denial rate+53.19 pts vs state
26.4%Origination rate-43.27 pts vs state
7.94%Median rate+1.44 pts vs state
2.26Rate spread (pts)+2.02 pts vs state
$70kMedian applicant income
42Loans originated
91Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 25 | 21.4% | 6.13% | #28 |
| 2024 | 134 | 18 | 68.7% | 8.88% | #30 |
| 2025 | 159 | 42 | 57.2% | 7.94% | #31 |
What AmeriSave 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 AmeriSave Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 27 | 11 | 13 | 48.1% |
| Burleigh County | 19 | 5 | 10 | 52.6% |
| Williams County | 16 | 3 | 9 | 56.3% |
| Ward County | 10 | 1 | 7 | 70.0% |
| Walsh County | 7 | 2 | 3 | 42.9% |
| Stutsman County | 7 | 1 | 5 | 71.4% |
| Grand Forks County | 6 | 2 | 4 | 66.7% |
| Stark County | 6 | 2 | 4 | 66.7% |
| Mercer County | 6 | 2 | 4 | 66.7% |
| Morton County | 5 | 2 | 3 | 60.0% |
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: 159 applications in 2025, of which 42 were originated and 91 denied.
57.2% of all applications, or 66.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans AmeriSave Mortgage originated in North Dakota in 2025 was 7.94%, against a statewide median of 6.50%.
About this data. Figures are AmeriSave 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