Navy Federal Credit Union in North Dakota vs the state
18.8%Denial rate+7.40 pts vs state
26.3%Decision denial rate+12.54 pts vs state
52.2%Origination rate-17.52 pts vs state
6.13%Median rate-0.38 pts vs state
-0.39Rate spread (pts)-0.63 pts vs state
$110kMedian applicant income
72Loans originated
26Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 33 | 25.0% | 6.00% | #38 |
| 2024 | 125 | 63 | 17.6% | 6.25% | #31 |
| 2025 | 138 | 72 | 18.8% | 6.13% | #36 |
What Navy Federal Credit Union lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ward County | 45 | 31 | 8 | 17.8% |
| Cass County | 24 | 10 | 6 | 25.0% |
| Grand Forks County | 14 | 7 | 1 | 7.1% |
| Williams County | 13 | 4 | 6 | 46.2% |
| Burleigh County | 12 | 9 | 1 | 8.3% |
| Bottineau County | 3 | 1 | 0 | 0.0% |
| Pembina County | 3 | 1 | 1 | 33.3% |
| Stutsman County | 2 | 0 | 1 | 50.0% |
| Stark County | 2 | 1 | 0 | 0.0% |
| Pierce County | 2 | 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: 138 applications in 2025, of which 72 were originated and 26 denied.
18.8% of all applications, or 26.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Navy Federal Credit Union originated in North Dakota in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Navy Federal Credit Union'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