Discover Bank in North Dakota vs the state
58.7%Denial rate+47.21 pts vs state
87.1%Decision denial rate+73.42 pts vs state
7.7%Origination rate-62.00 pts vs state
10.60%Median rate+4.10 pts vs state
4.02Rate spread (pts)+3.77 pts vs state
$117kMedian applicant income
8Loans originated
61Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 351 | 33 | 55.8% | 9.49% | #12 |
| 2024 | 333 | 47 | 50.8% | 9.11% | #14 |
| 2025 | 104 | 8 | 58.7% | 10.60% | #46 |
What Discover 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 Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 29 | 0 | 23 | 79.3% |
| Ward County | 13 | 2 | 8 | 61.5% |
| Burleigh County | 10 | 2 | 2 | 20.0% |
| Grand Forks County | 9 | 1 | 3 | 33.3% |
| Stark County | 7 | 0 | 4 | 57.1% |
| Stutsman County | 6 | 1 | 5 | 83.3% |
| Williams County | 5 | 1 | 3 | 60.0% |
| Morton County | 4 | 0 | 3 | 75.0% |
| Richland County | 4 | 0 | 2 | 50.0% |
| McLean County | 3 | 0 | 1 | 33.3% |
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: 104 applications in 2025, of which 8 were originated and 61 denied.
58.7% of all applications, or 87.1% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Discover Bank originated in North Dakota in 2025 was 10.60%, against a statewide median of 6.50%.
About this data. Figures are Discover 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