Manufacturers and Traders Trust in North Dakota vs the state
11.1%Denial rate-0.33 pts vs state
16.7%Decision denial rate+2.95 pts vs state
55.6%Origination rate-14.13 pts vs state
3.75%Median rate-2.75 pts vs state
0.24Rate spread (pts)-0.01 pts vs state
$104kMedian applicant income
5Loans originated
1Denied
What Manufacturers and Traders Trust lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grand Forks County | 2 | 1 | 0 | 0.0% |
| Ward County | 2 | 1 | 1 | 50.0% |
| Williams County | 2 | 1 | 0 | 0.0% |
| Cass County | 2 | 2 | 0 | 0.0% |
| Burleigh County | 1 | 0 | 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: 9 applications in 2025, of which 5 were originated and 1 denied.
11.1% 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 Manufacturers and Traders Trust originated in North Dakota in 2025 was 3.75%, against a statewide median of 6.50%.
About this data. Figures are Manufacturers and Traders Trust'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