Guaranteed Rate in North Dakota vs the state
9.3%Denial rate-2.16 pts vs state
14.5%Decision denial rate+0.80 pts vs state
52.1%Origination rate-17.63 pts vs state
6.38%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$104kMedian applicant income
101Loans originated
18Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 240 | 144 | 2.1% | 6.50% | #18 |
| 2024 | 280 | 190 | 4.3% | 6.13% | #16 |
| 2025 | 194 | 101 | 9.3% | 6.38% | #25 |
What Guaranteed Rate lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 119 | 63 | 10 | 8.4% |
| Burleigh County | 19 | 8 | 1 | 5.3% |
| Williams County | 8 | 5 | 2 | 25.0% |
| Ward County | 5 | 2 | 0 | 0.0% |
| Foster County | 4 | 1 | 0 | 0.0% |
| Sargent County | 4 | 3 | 0 | 0.0% |
| Morton County | 4 | 4 | 0 | 0.0% |
| Ransom County | 4 | 4 | 0 | 0.0% |
| Barnes County | 4 | 3 | 0 | 0.0% |
| Stark County | 3 | 1 | 1 | 33.3% |
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: 194 applications in 2025, of which 101 were originated and 18 denied.
9.3% of all applications, or 14.5% 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 originated in North Dakota in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Guaranteed Rate'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