Loandepot.Com in North Dakota vs the state
25.9%Denial rate+14.49 pts vs state
33.9%Decision denial rate+20.15 pts vs state
49.8%Origination rate-19.90 pts vs state
6.49%Median rate-0.01 pts vs state
0.43Rate spread (pts)+0.19 pts vs state
$97kMedian applicant income
121Loans originated
63Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 56 | 33.9% | 6.87% | #32 |
| 2024 | 187 | 89 | 24.1% | 6.63% | #23 |
| 2025 | 243 | 121 | 25.9% | 6.49% | #19 |
What Loandepot.Com lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Loandepot.Com applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ward County | 63 | 40 | 6 | 9.5% |
| Cass County | 40 | 15 | 7 | 17.5% |
| Williams County | 19 | 8 | 8 | 42.1% |
| Burleigh County | 16 | 7 | 4 | 25.0% |
| Stark County | 14 | 7 | 5 | 35.7% |
| Morton County | 11 | 7 | 1 | 9.1% |
| Richland County | 9 | 0 | 8 | 88.9% |
| McKenzie County | 8 | 5 | 3 | 37.5% |
| Grand Forks County | 8 | 3 | 3 | 37.5% |
| Mercer County | 6 | 6 | 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: 243 applications in 2025, of which 121 were originated and 63 denied.
25.9% of all applications, or 33.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Loandepot.Com originated in North Dakota in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Loandepot.Com'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