Equity Prime Mortgage in North Dakota vs the state
5.9%Denial rate-5.56 pts vs state
16.7%Decision denial rate+2.95 pts vs state
29.4%Origination rate-40.28 pts vs state
6.50%Median rate0.00 pts vs state
0.10Rate spread (pts)-0.14 pts vs state
$80kMedian applicant income
10Loans originated
2Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 14.3% | 7.38% | #129 |
| 2024 | 12 | 7 | 0.0% | 7.75% | #107 |
| 2025 | 34 | 10 | 5.9% | 6.50% | #85 |
What Equity Prime Mortgage lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 5 | 2 | 1 | 20.0% |
| Ward County | 4 | 1 | 0 | 0.0% |
| Williams County | 4 | 2 | 0 | 0.0% |
| Grand Forks County | 4 | 0 | 0 | 0.0% |
| Morton County | 2 | 1 | 0 | 0.0% |
| Walsh County | 2 | 0 | 0 | 0.0% |
| Burleigh County | 2 | 2 | 0 | 0.0% |
| McKenzie County | 2 | 0 | 0 | 0.0% |
| Nelson County | 2 | 0 | 0 | 0.0% |
| Stark County | 2 | 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: 34 applications in 2025, of which 10 were originated and 2 denied.
5.9% of all applications, or 16.7% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Equity Prime Mortgage originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Equity Prime 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