Freedom Mortgage in North Dakota vs the state
16.8%Denial rate+5.37 pts vs state
28.4%Decision denial rate+14.65 pts vs state
37.4%Origination rate-32.30 pts vs state
6.25%Median rate-0.25 pts vs state
0.02Rate spread (pts)-0.22 pts vs state
$90kMedian applicant income
89Loans originated
40Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 29 | 15.9% | 6.75% | #49 |
| 2024 | 174 | 92 | 13.8% | 6.25% | #25 |
| 2025 | 238 | 89 | 16.8% | 6.25% | #20 |
What Freedom 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 Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 55 | 21 | 6 | 10.9% |
| Ward County | 35 | 14 | 1 | 2.9% |
| Burleigh County | 29 | 13 | 6 | 20.7% |
| Williams County | 20 | 7 | 9 | 45.0% |
| Grand Forks County | 19 | 11 | 2 | 10.5% |
| Stark County | 12 | 7 | 0 | 0.0% |
| Stutsman County | 10 | 2 | 1 | 10.0% |
| Morton County | 9 | 2 | 3 | 33.3% |
| McKenzie County | 6 | 2 | 1 | 16.7% |
| Dunn County | 5 | 2 | 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: 238 applications in 2025, of which 89 were originated and 40 denied.
16.8% of all applications, or 28.4% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Freedom Mortgage originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Freedom 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