Coastal Community Bank in North Dakota vs the state
2.8%Denial rate-8.63 pts vs state
3.9%Decision denial rate-9.81 pts vs state
29.2%Origination rate-40.48 pts vs state
11.74%Median rate+5.24 pts vs state
4.54Rate spread (pts)+4.30 pts vs state
$120kMedian applicant income
52Loans originated
5Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 16 | 0.0% | 14.99% | #58 |
| 2024 | 113 | 28 | 1.8% | 12.99% | #36 |
| 2025 | 178 | 52 | 2.8% | 11.74% | #28 |
What Coastal Community 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 Coastal Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 49 | 15 | 2 | 4.1% |
| Ward County | 31 | 8 | 0 | 0.0% |
| Burleigh County | 25 | 8 | 0 | 0.0% |
| Williams County | 13 | 2 | 1 | 7.7% |
| Grand Forks County | 12 | 2 | 1 | 8.3% |
| Morton County | 9 | 1 | 0 | 0.0% |
| McKenzie County | 6 | 2 | 0 | 0.0% |
| Barnes County | 5 | 2 | 0 | 0.0% |
| Richland County | 4 | 2 | 0 | 0.0% |
| Stutsman County | 4 | 1 | 1 | 25.0% |
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: 178 applications in 2025, of which 52 were originated and 5 denied.
2.8% of all applications, or 3.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Coastal Community Bank originated in North Dakota in 2025 was 11.74%, against a statewide median of 6.50%.
About this data. Figures are Coastal Community 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