PHH Mortgage in North Dakota vs the state
18.8%Denial rate+7.31 pts vs state
30.0%Decision denial rate+16.28 pts vs state
43.8%Origination rate-25.94 pts vs state
5.63%Median rate-0.88 pts vs state
-0.12Rate spread (pts)-0.36 pts vs state
$74kMedian applicant income
7Loans originated
3Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 4 | 14.3% | 6.50% | #130 |
| 2025 | 16 | 7 | 18.8% | 5.63% | #116 |
What PHH 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 PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 5 | 3 | 0 | 0.0% |
| Stark County | 2 | 1 | 1 | 50.0% |
| Bottineau County | 2 | 0 | 1 | 50.0% |
| Burleigh County | 2 | 0 | 1 | 50.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Ramsey County | 1 | 1 | 0 | 0.0% |
| Williams County | 1 | 0 | 0 | 0.0% |
| Eddy County | 1 | 0 | 0 | 0.0% |
| Stutsman County | 1 | 1 | 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: 16 applications in 2025, of which 7 were originated and 3 denied.
18.8% of all applications, or 30.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans PHH Mortgage originated in North Dakota in 2025 was 5.63%, against a statewide median of 6.50%.
About this data. Figures are PHH 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