Luminate Bank in North Dakota vs the state
14.3%Denial rate+2.85 pts vs state
16.7%Decision denial rate+2.95 pts vs state
71.4%Origination rate+1.74 pts vs state
6.99%Median rate+0.49 pts vs state
0.44Rate spread (pts)+0.20 pts vs state
$159kMedian applicant income
5Loans originated
1Denied
What Luminate 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 Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williams County | 3 | 1 | 1 | 33.3% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| McKenzie 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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Luminate Bank originated in North Dakota in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Luminate 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