Mutual of Omaha Mortgage in North Dakota vs the state
19.4%Denial rate+8.00 pts vs state
26.9%Decision denial rate+13.20 pts vs state
44.4%Origination rate-25.25 pts vs state
6.19%Median rate-0.31 pts vs state
0.35Rate spread (pts)+0.11 pts vs state
$72kMedian applicant income
32Loans originated
14Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 18 | 28.1% | 7.25% | #74 |
| 2024 | 44 | 19 | 22.7% | 6.75% | #69 |
| 2025 | 72 | 32 | 19.4% | 6.19% | #60 |
What Mutual of Omaha Mortgage lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 14 | 6 | 3 | 21.4% |
| Ward County | 11 | 5 | 4 | 36.4% |
| Burleigh County | 11 | 7 | 0 | 0.0% |
| Grand Forks County | 5 | 3 | 0 | 0.0% |
| Morton County | 5 | 3 | 1 | 20.0% |
| Williams County | 3 | 1 | 0 | 0.0% |
| Mountrail County | 3 | 0 | 0 | 0.0% |
| Stutsman County | 3 | 2 | 1 | 33.3% |
| Barnes County | 2 | 0 | 1 | 50.0% |
| Foster County | 2 | 0 | 2 | 100.0% |
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: 72 applications in 2025, of which 32 were originated and 14 denied.
19.4% of all applications, or 26.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Mutual of Omaha Mortgage originated in North Dakota in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are Mutual of Omaha Mortgage'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