Bell Bank in North Dakota vs the state
7.7%Denial rate-3.75 pts vs state
8.3%Decision denial rate-5.41 pts vs state
83.6%Origination rate+13.93 pts vs state
6.99%Median rate+0.49 pts vs state
0.12Rate spread (pts)-0.12 pts vs state
$110kMedian applicant income
674Loans originated
62Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 611 | 513 | 5.6% | 7.50% | #4 |
| 2024 | 698 | 569 | 7.9% | 7.20% | #4 |
| 2025 | 806 | 674 | 7.7% | 6.99% | #5 |
What Bell Bank lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 689 | 580 | 46 | 6.7% |
| Richland County | 72 | 58 | 10 | 13.9% |
| Grand Forks County | 9 | 9 | 0 | 0.0% |
| Burleigh County | 7 | 7 | 0 | 0.0% |
| Dickey County | 4 | 4 | 0 | 0.0% |
| Ransom County | 4 | 1 | 2 | 50.0% |
| Ward County | 2 | 2 | 0 | 0.0% |
| Stark County | 2 | 2 | 0 | 0.0% |
| Morton County | 2 | 1 | 1 | 50.0% |
| Divide County | 2 | 2 | 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% |
| 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% |
| U.S. Bank | D | 486 | 30.0% | 7.30% |
Frequently asked questions
North Dakota: 806 applications in 2025, of which 674 were originated and 62 denied.
7.7% of all applications, or 8.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Bell Bank originated in North Dakota in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Bell Bank'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