Florida Capital Bank in North Dakota vs the state
3.2%Denial rate-8.21 pts vs state
3.2%Decision denial rate-10.49 pts vs state
96.8%Origination rate+27.08 pts vs state
6.13%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.18 pts vs state
$122kMedian applicant income
30Loans originated
1Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 11.1% | 6.69% | #117 |
| 2024 | 10 | 10 | 0.0% | 6.63% | #118 |
| 2025 | 31 | 30 | 3.2% | 6.13% | #87 |
What Florida Capital 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 Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grand Forks County | 25 | 24 | 1 | 4.0% |
| Cass County | 4 | 4 | 0 | 0.0% |
| Stark County | 1 | 1 | 0 | 0.0% |
| Traill 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: 31 applications in 2025, of which 30 were originated and 1 denied.
3.2% of all applications, or 3.2% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Florida Capital Bank originated in North Dakota in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Florida Capital 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