NBKC Bank in North Dakota vs the state
9.1%Denial rate-2.35 pts vs state
13.3%Decision denial rate-0.39 pts vs state
59.1%Origination rate-10.60 pts vs state
5.99%Median rate-0.51 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$180kMedian applicant income
13Loans originated
2Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 7 | 7.7% | 5.63% | #105 |
| 2024 | 15 | 11 | 0.0% | 6.25% | #98 |
| 2025 | 22 | 13 | 9.1% | 5.99% | #100 |
What NBKC 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 NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 6 | 5 | 0 | 0.0% |
| Morton County | 3 | 2 | 0 | 0.0% |
| Cass County | 3 | 0 | 2 | 66.7% |
| Grand Forks County | 3 | 2 | 0 | 0.0% |
| Williams County | 3 | 1 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Stutsman County | 1 | 1 | 0 | 0.0% |
| Stark County | 1 | 1 | 0 | 0.0% |
| Mercer 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: 22 applications in 2025, of which 13 were originated and 2 denied.
9.1% of all applications, or 13.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans NBKC Bank originated in North Dakota in 2025 was 5.99%, against a statewide median of 6.50%.
About this data. Figures are NBKC 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