Old National Bank in North Dakota vs the state
12.7%Denial rate+1.26 pts vs state
14.9%Decision denial rate+1.19 pts vs state
71.4%Origination rate+1.74 pts vs state
6.50%Median rate0.00 pts vs state
-0.08Rate spread (pts)-0.32 pts vs state
$108kMedian applicant income
135Loans originated
24Denied
What Old National 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 Old National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 57 | 42 | 3 | 5.3% |
| Grand Forks County | 54 | 40 | 9 | 16.7% |
| Walsh County | 13 | 9 | 2 | 15.4% |
| Richland County | 12 | 8 | 1 | 8.3% |
| Ward County | 10 | 8 | 2 | 20.0% |
| Ransom County | 9 | 5 | 2 | 22.2% |
| Stutsman County | 6 | 4 | 2 | 33.3% |
| Burleigh County | 5 | 2 | 1 | 20.0% |
| Pierce County | 4 | 3 | 0 | 0.0% |
| Ramsey County | 4 | 3 | 1 | 25.0% |
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: 189 applications in 2025, of which 135 were originated and 24 denied.
12.7% of all applications, or 14.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Old National Bank originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Old National 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