Homebridge Financial Services in North Dakota vs the state
27.3%Denial rate+15.83 pts vs state
28.6%Decision denial rate+14.85 pts vs state
63.6%Origination rate-6.05 pts vs state
8.80%Median rate+2.30 pts vs state
0.01Rate spread (pts)-0.23 pts vs state
$109kMedian applicant income
14Loans originated
6Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 7 | 20.0% | 6.75% | #116 |
| 2025 | 22 | 14 | 27.3% | 8.80% | #102 |
What Homebridge Financial Services lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 4 | 4 | 0 | 0.0% |
| Ward County | 4 | 3 | 1 | 25.0% |
| Cass County | 3 | 1 | 2 | 66.7% |
| Richland County | 2 | 0 | 0 | 0.0% |
| Grand Forks County | 2 | 1 | 1 | 50.0% |
| Burleigh County | 2 | 2 | 0 | 0.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Renville County | 1 | 1 | 0 | 0.0% |
| McKenzie County | 1 | 0 | 1 | 100.0% |
| Walsh County | 1 | 0 | 1 | 100.0% |
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: 22 applications in 2025, of which 14 were originated and 6 denied.
27.3% of all applications, or 28.6% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Homebridge Financial Services originated in North Dakota in 2025 was 8.80%, against a statewide median of 6.50%.
About this data. Figures are Homebridge Financial Services'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