Plaza Home Mortgage in North Dakota vs the state
42.3%Denial rate+30.87 pts vs state
42.3%Decision denial rate+28.59 pts vs state
57.7%Origination rate-12.00 pts vs state
6.25%Median rate-0.25 pts vs state
0.22Rate spread (pts)-0.02 pts vs state
$103kMedian applicant income
15Loans originated
11Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 5 | 12.5% | 6.63% | #122 |
| 2024 | 8 | 5 | 12.5% | 6.50% | #129 |
| 2025 | 26 | 15 | 42.3% | 6.25% | #95 |
What Plaza Home 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 Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 7 | 4 | 3 | 42.9% |
| Williams County | 4 | 2 | 2 | 50.0% |
| Stutsman County | 3 | 3 | 0 | 0.0% |
| Stark County | 2 | 0 | 2 | 100.0% |
| Grand Forks County | 2 | 0 | 2 | 100.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Burke County | 1 | 0 | 1 | 100.0% |
| Barnes County | 1 | 1 | 0 | 0.0% |
| Divide County | 1 | 0 | 1 | 100.0% |
| McIntosh 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 15 were originated and 11 denied.
42.3% of all applications, or 42.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Plaza Home Mortgage originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Plaza Home 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