JPMorgan Chase Bank in North Dakota vs the state
17.5%Denial rate+6.10 pts vs state
25.6%Decision denial rate+11.92 pts vs state
50.9%Origination rate-18.81 pts vs state
6.38%Median rate-0.13 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$132kMedian applicant income
29Loans originated
10Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 34 | 4.4% | 6.50% | #64 |
| 2024 | 36 | 27 | 8.3% | 6.38% | #75 |
| 2025 | 57 | 29 | 17.5% | 6.38% | #67 |
What JPMorgan Chase 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 JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 19 | 8 | 4 | 21.1% |
| Grand Forks County | 9 | 5 | 2 | 22.2% |
| Burleigh County | 9 | 4 | 2 | 22.2% |
| Williams County | 4 | 4 | 0 | 0.0% |
| Mercer County | 2 | 1 | 0 | 0.0% |
| Eddy County | 2 | 0 | 1 | 50.0% |
| Rolette County | 1 | 1 | 0 | 0.0% |
| Ward County | 1 | 0 | 1 | 100.0% |
| Mountrail County | 1 | 1 | 0 | 0.0% |
| Richland 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: 57 applications in 2025, of which 29 were originated and 10 denied.
17.5% of all applications, or 25.6% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans JPMorgan Chase Bank originated in North Dakota in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are JPMorgan Chase 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