Aspire Community Federal Credit union in North Dakota vs the state
3.3%Denial rate-8.11 pts vs state
3.3%Decision denial rate-10.39 pts vs state
96.7%Origination rate+26.98 pts vs state
—Median rate
—Rate spread (pts)
$116kMedian applicant income
145Loans originated
5Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 115 | 109 | 5.2% | — | #34 |
| 2025 | 150 | 145 | 3.3% | — | #33 |
What Aspire Community Federal Credit union lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Aspire Community Federal Credit union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ward County | 108 | 104 | 4 | 3.7% |
| McLean County | 14 | 13 | 1 | 7.1% |
| Bottineau County | 8 | 8 | 0 | 0.0% |
| Mountrail County | 6 | 6 | 0 | 0.0% |
| McHenry County | 4 | 4 | 0 | 0.0% |
| Renville County | 3 | 3 | 0 | 0.0% |
| Williams County | 3 | 3 | 0 | 0.0% |
| Burleigh County | 2 | 2 | 0 | 0.0% |
| McKenzie County | 1 | 1 | 0 | 0.0% |
| Stutsman 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: 150 applications in 2025, of which 145 were originated and 5 denied.
3.3% of all applications, or 3.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Aspire Community Federal Credit union'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