Plains Commerce Bank in North Dakota vs the state
10.7%Denial rate-0.73 pts vs state
16.7%Decision denial rate+2.95 pts vs state
53.6%Origination rate-16.12 pts vs state
6.50%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$113kMedian applicant income
15Loans originated
3Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 53 | 5.9% | 6.63% | #37 |
| 2024 | 68 | 30 | 4.4% | 6.50% | #57 |
| 2025 | 28 | 15 | 10.7% | 6.50% | #93 |
What Plains Commerce 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 Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 4 | 2 | 0 | 0.0% |
| Burleigh County | 3 | 1 | 0 | 0.0% |
| Stark County | 3 | 2 | 0 | 0.0% |
| Grand Forks County | 3 | 1 | 1 | 33.3% |
| Morton County | 3 | 1 | 0 | 0.0% |
| Dunn County | 3 | 3 | 0 | 0.0% |
| McKenzie County | 2 | 1 | 0 | 0.0% |
| McLean County | 1 | 1 | 0 | 0.0% |
| Ward County | 1 | 0 | 1 | 100.0% |
| Ransom 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: 28 applications in 2025, of which 15 were originated and 3 denied.
10.7% of all applications, or 16.7% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Plains Commerce Bank originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Plains Commerce 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