Envoy Mortgage in North Dakota vs the state
0.0%Denial rate-11.44 pts vs state
0.0%Decision denial rate-13.72 pts vs state
90.0%Origination rate+20.31 pts vs state
6.13%Median rate-0.38 pts vs state
0.13Rate spread (pts)-0.11 pts vs state
$92kMedian applicant income
9Loans originated
0Denied
What Envoy Mortgage lends in North Dakota
By loan purpose
By loan type
Where in North Dakota
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 3 | 3 | 0 | 0.0% |
| Burleigh County | 2 | 2 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| McLean County | 1 | 1 | 0 | 0.0% |
| Grant 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: 10 applications in 2025, of which 9 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Envoy Mortgage originated in North Dakota in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Envoy 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