Dacotah Bank in North Dakota vs the state
5.6%Denial rate-5.84 pts vs state
6.0%Decision denial rate-7.74 pts vs state
87.2%Origination rate+17.51 pts vs state
6.63%Median rate+0.13 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$121kMedian applicant income
109Loans originated
7Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 101 | 5.0% | 6.75% | #29 |
| 2024 | 143 | 116 | 4.9% | 7.00% | #29 |
| 2025 | 125 | 109 | 5.6% | 6.63% | #39 |
What Dacotah 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 Dacotah Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 21 | 19 | 1 | 4.8% |
| Cass County | 20 | 20 | 0 | 0.0% |
| Ward County | 20 | 17 | 2 | 10.0% |
| Barnes County | 14 | 12 | 0 | 0.0% |
| Stutsman County | 9 | 7 | 0 | 0.0% |
| Burleigh County | 7 | 6 | 1 | 14.3% |
| Burke County | 4 | 4 | 0 | 0.0% |
| Rolette County | 4 | 4 | 0 | 0.0% |
| Renville County | 3 | 3 | 0 | 0.0% |
| Williams County | 3 | 3 | 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: 125 applications in 2025, of which 109 were originated and 7 denied.
5.6% of all applications, or 6.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Dacotah Bank originated in North Dakota in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Dacotah 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