Keystone Funding in North Dakota vs the state
5.0%Denial rate-6.44 pts vs state
5.0%Decision denial rate-8.72 pts vs state
95.0%Origination rate+25.31 pts vs state
6.25%Median rate-0.25 pts vs state
0.05Rate spread (pts)-0.19 pts vs state
$96kMedian applicant income
19Loans originated
1Denied
What Keystone Funding lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 11 | 10 | 1 | 9.1% |
| Morton County | 5 | 5 | 0 | 0.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Stark County | 1 | 1 | 0 | 0.0% |
| Hettinger 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: 20 applications in 2025, of which 19 were originated and 1 denied.
5.0% of all applications, or 5.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Keystone Funding originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Keystone Funding'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