Guaranteed Rate Affinity in North Dakota vs the state
0.0%Denial rate-11.44 pts vs state
0.0%Decision denial rate-13.72 pts vs state
100.0%Origination rate+30.31 pts vs state
6.41%Median rate-0.09 pts vs state
-0.09Rate spread (pts)-0.33 pts vs state
$227kMedian applicant income
8Loans originated
0Denied
What Guaranteed Rate Affinity lends in North Dakota
By loan purpose
By loan type
Where in North Dakota
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williams County | 5 | 5 | 0 | 0.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Stutsman County | 1 | 1 | 0 | 0.0% |
| Cass 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: 8 applications in 2025, of which 8 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Guaranteed Rate Affinity originated in North Dakota in 2025 was 6.41%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate Affinity'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