Empeople Credit Union in North Dakota vs the state
10.5%Denial rate-0.91 pts vs state
12.8%Decision denial rate-0.95 pts vs state
71.9%Origination rate+2.24 pts vs state
6.49%Median rate-0.01 pts vs state
-0.49Rate spread (pts)-0.73 pts vs state
$126kMedian applicant income
41Loans originated
6Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 33 | 16.0% | 7.24% | #56 |
| 2024 | 63 | 41 | 11.1% | 6.74% | #62 |
| 2025 | 57 | 41 | 10.5% | 6.49% | #66 |
What Empeople 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 Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 34 | 24 | 3 | 8.8% |
| Barnes County | 6 | 4 | 0 | 0.0% |
| Ward County | 3 | 2 | 1 | 33.3% |
| Richland County | 2 | 2 | 0 | 0.0% |
| Pembina County | 2 | 2 | 0 | 0.0% |
| Williams County | 2 | 0 | 1 | 50.0% |
| Sargent County | 2 | 2 | 0 | 0.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Ransom County | 1 | 1 | 0 | 0.0% |
| Grand Forks County | 1 | 1 | 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: 57 applications in 2025, of which 41 were originated and 6 denied.
10.5% of all applications, or 12.8% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Empeople Credit Union originated in North Dakota in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Empeople 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