Planet Home Lending in North Dakota vs the state
30.8%Denial rate+19.33 pts vs state
32.0%Decision denial rate+18.28 pts vs state
65.4%Origination rate-4.31 pts vs state
5.75%Median rate-0.75 pts vs state
-0.65Rate spread (pts)-0.89 pts vs state
$122kMedian applicant income
17Loans originated
8Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 14 | 11 | 21.4% | 5.99% | #100 |
| 2025 | 26 | 17 | 30.8% | 5.75% | #94 |
What Planet Home Lending lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 5 | 5 | 0 | 0.0% |
| Morton County | 5 | 3 | 2 | 40.0% |
| Cass County | 5 | 4 | 1 | 20.0% |
| Stark County | 2 | 1 | 0 | 0.0% |
| Williams County | 2 | 1 | 1 | 50.0% |
| Traill County | 2 | 1 | 1 | 50.0% |
| McKenzie County | 1 | 0 | 1 | 100.0% |
| Ward County | 1 | 0 | 1 | 100.0% |
| Grand Forks County | 1 | 1 | 0 | 0.0% |
| Mercer 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: 26 applications in 2025, of which 17 were originated and 8 denied.
30.8% of all applications, or 32.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Planet Home Lending originated in North Dakota in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Planet Home Lending'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