Dakota West Credit Union in North Dakota vs the state
31.4%Denial rate+19.99 pts vs state
40.7%Decision denial rate+27.02 pts vs state
22.9%Origination rate-46.83 pts vs state
7.11%Median rate+0.61 pts vs state
0.46Rate spread (pts)+0.22 pts vs state
$120kMedian applicant income
8Loans originated
11Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 14 | 15.4% | 7.00% | #83 |
| 2024 | 18 | 10 | 27.8% | 7.13% | #96 |
| 2025 | 35 | 8 | 31.4% | 7.11% | #84 |
What Dakota West Credit Union lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Dakota West Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McKenzie County | 16 | 6 | 5 | 31.3% |
| Williams County | 3 | 0 | 1 | 33.3% |
| Bowman County | 3 | 0 | 1 | 33.3% |
| Mountrail County | 2 | 1 | 0 | 0.0% |
| Renville County | 2 | 0 | 1 | 50.0% |
| Stark County | 1 | 0 | 0 | 0.0% |
| Ward County | 1 | 0 | 1 | 100.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Sheridan County | 1 | 0 | 0 | 0.0% |
| Ramsey County | 1 | 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: 35 applications in 2025, of which 8 were originated and 11 denied.
31.4% of all applications, or 40.7% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Dakota West Credit Union originated in North Dakota in 2025 was 7.11%, against a statewide median of 6.50%.
About this data. Figures are Dakota West Credit Union'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