Kind Lending in North Dakota vs the state
41.7%Denial rate+30.23 pts vs state
45.5%Decision denial rate+31.73 pts vs state
50.0%Origination rate-19.69 pts vs state
6.94%Median rate+0.44 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$130kMedian applicant income
6Loans originated
5Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | 6.69% | #139 |
| 2024 | 24 | 19 | 12.5% | 7.00% | #87 |
| 2025 | 12 | 6 | 41.7% | 6.94% | #122 |
What Kind Lending lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 4 | 2 | 1 | 25.0% |
| Richland County | 2 | 1 | 1 | 50.0% |
| McKenzie County | 2 | 1 | 1 | 50.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Morton County | 1 | 0 | 1 | 100.0% |
| Williams County | 1 | 0 | 1 | 100.0% |
| Stark 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: 12 applications in 2025, of which 6 were originated and 5 denied.
41.7% of all applications, or 45.5% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Kind Lending originated in North Dakota in 2025 was 6.94%, against a statewide median of 6.50%.
About this data. Figures are Kind Lending'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