Crosscountry Mortgage in North Dakota vs the state
4.5%Denial rate-6.92 pts vs state
6.3%Decision denial rate-7.41 pts vs state
67.1%Origination rate-2.59 pts vs state
6.49%Median rate-0.01 pts vs state
0.47Rate spread (pts)+0.23 pts vs state
$101kMedian applicant income
104Loans originated
7Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 11 | 3.2% | 7.25% | #76 |
| 2024 | 79 | 48 | 2.5% | 6.79% | #51 |
| 2025 | 155 | 104 | 4.5% | 6.49% | #32 |
What Crosscountry 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 Crosscountry Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williams County | 62 | 54 | 2 | 3.2% |
| McKenzie County | 20 | 14 | 2 | 10.0% |
| Burleigh County | 17 | 9 | 0 | 0.0% |
| Cass County | 12 | 7 | 1 | 8.3% |
| Morton County | 8 | 4 | 0 | 0.0% |
| Stark County | 7 | 4 | 0 | 0.0% |
| Ward County | 5 | 3 | 0 | 0.0% |
| Traill County | 4 | 1 | 1 | 25.0% |
| Grand Forks County | 3 | 2 | 0 | 0.0% |
| McLean County | 3 | 0 | 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: 155 applications in 2025, of which 104 were originated and 7 denied.
4.5% of all applications, or 6.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Crosscountry Mortgage originated in North Dakota in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Crosscountry 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