Primary Residential Mortgage in North Dakota vs the state
0.0%Denial rate-11.44 pts vs state
0.0%Decision denial rate-13.72 pts vs state
33.3%Origination rate-36.36 pts vs state
6.75%Median rate+0.25 pts vs state
0.07Rate spread (pts)-0.17 pts vs state
$101kMedian applicant income
8Loans originated
0Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 35 | 2.1% | 6.75% | #59 |
| 2024 | 106 | 88 | 3.8% | 6.50% | #40 |
| 2025 | 24 | 8 | 0.0% | 6.75% | #98 |
What Primary Residential Mortgage lends in North Dakota
By loan purpose
By loan type
Where in North Dakota
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 17 | 5 | 0 | 0.0% |
| Richland County | 4 | 2 | 0 | 0.0% |
| Ward County | 2 | 1 | 0 | 0.0% |
| Ramsey County | 1 | 0 | 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: 24 applications in 2025, of which 8 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Primary Residential Mortgage originated in North Dakota in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Primary Residential 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