OCMBC in North Dakota vs the state
29.4%Denial rate+17.97 pts vs state
33.3%Decision denial rate+19.61 pts vs state
52.9%Origination rate-16.75 pts vs state
7.63%Median rate+1.13 pts vs state
1.35Rate spread (pts)+1.11 pts vs state
$96kMedian applicant income
9Loans originated
5Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 5 | 33.3% | 8.25% | #116 |
| 2024 | 5 | 3 | 20.0% | 7.88% | #145 |
| 2025 | 17 | 9 | 29.4% | 7.63% | #114 |
What OCMBC lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 8 | 5 | 2 | 25.0% |
| Williams County | 2 | 0 | 2 | 100.0% |
| Bottineau County | 2 | 2 | 0 | 0.0% |
| Stutsman County | 2 | 1 | 0 | 0.0% |
| Hettinger County | 1 | 0 | 0 | 0.0% |
| Ward County | 1 | 1 | 0 | 0.0% |
| Morton County | 1 | 0 | 1 | 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: 17 applications in 2025, of which 9 were originated and 5 denied.
29.4% of all applications, or 33.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans OCMBC originated in North Dakota in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are OCMBC'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