First Community Credit Union in North Dakota vs the state
7.1%Denial rate-4.33 pts vs state
8.5%Decision denial rate-5.24 pts vs state
76.7%Origination rate+7.05 pts vs state
6.49%Median rate-0.01 pts vs state
0.22Rate spread (pts)-0.02 pts vs state
$90kMedian applicant income
518Loans originated
48Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,081 | 475 | 16.6% | 6.50% | #2 |
| 2024 | 1,133 | 421 | 19.1% | 6.50% | #2 |
| 2025 | 675 | 518 | 7.1% | 6.49% | #6 |
What First Community 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 First Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 161 | 123 | 10 | 6.2% |
| Stutsman County | 101 | 73 | 8 | 7.9% |
| Barnes County | 61 | 48 | 4 | 6.6% |
| Grand Forks County | 59 | 47 | 4 | 6.8% |
| Burleigh County | 48 | 41 | 2 | 4.2% |
| Ramsey County | 45 | 36 | 2 | 4.4% |
| Richland County | 40 | 31 | 1 | 2.5% |
| Dickey County | 19 | 15 | 2 | 10.5% |
| Traill County | 19 | 18 | 1 | 5.3% |
| Morton County | 15 | 11 | 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% |
| 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% |
| U.S. Bank | D | 486 | 30.0% | 7.30% |
Frequently asked questions
North Dakota: 675 applications in 2025, of which 518 were originated and 48 denied.
7.1% of all applications, or 8.5% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans First Community Credit Union originated in North Dakota in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are First Community 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