Better Mortgage in North Dakota vs the state
32.7%Denial rate+21.21 pts vs state
55.2%Decision denial rate+41.45 pts vs state
26.5%Origination rate-43.16 pts vs state
8.25%Median rate+1.75 pts vs state
1.99Rate spread (pts)+1.75 pts vs state
$100kMedian applicant income
13Loans originated
16Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 2 | 0.0% | 5.75% | #126 |
| 2024 | 18 | 5 | 22.2% | 6.25% | #94 |
| 2025 | 49 | 13 | 32.7% | 8.25% | #71 |
What Better 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 Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 11 | 1 | 4 | 36.4% |
| Williams County | 6 | 1 | 2 | 33.3% |
| Burleigh County | 5 | 4 | 0 | 0.0% |
| Ward County | 5 | 2 | 2 | 40.0% |
| Grand Forks County | 3 | 2 | 0 | 0.0% |
| Griggs County | 2 | 0 | 1 | 50.0% |
| Walsh County | 2 | 1 | 0 | 0.0% |
| Bowman County | 2 | 0 | 1 | 50.0% |
| Stutsman County | 2 | 0 | 2 | 100.0% |
| Stark County | 2 | 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: 49 applications in 2025, of which 13 were originated and 16 denied.
32.7% of all applications, or 55.2% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Better Mortgage originated in North Dakota in 2025 was 8.25%, against a statewide median of 6.50%.
About this data. Figures are Better 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