Granite Bank in North Dakota vs the state
5.3%Denial rate-6.11 pts vs state
6.2%Decision denial rate-7.51 pts vs state
80.5%Origination rate+10.78 pts vs state
6.50%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.15 pts vs state
$101kMedian applicant income
136Loans originated
9Denied
What Granite 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 Granite Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 43 | 33 | 4 | 9.3% |
| Cass County | 35 | 26 | 2 | 5.7% |
| Grand Forks County | 35 | 29 | 2 | 5.7% |
| Burleigh County | 23 | 21 | 0 | 0.0% |
| Morton County | 9 | 8 | 0 | 0.0% |
| Hettinger County | 4 | 4 | 0 | 0.0% |
| McLean County | 3 | 2 | 0 | 0.0% |
| Mercer County | 3 | 2 | 0 | 0.0% |
| Williams County | 2 | 2 | 0 | 0.0% |
| Traill County | 2 | 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: 169 applications in 2025, of which 136 were originated and 9 denied.
5.3% of all applications, or 6.2% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Granite Bank originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Granite 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