Rocket Mortgage in North Dakota vs the state
21.6%Denial rate+10.20 pts vs state
23.9%Decision denial rate+10.18 pts vs state
66.4%Origination rate-3.31 pts vs state
6.63%Median rate+0.13 pts vs state
0.55Rate spread (pts)+0.31 pts vs state
$94kMedian applicant income
549Loans originated
179Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 518 | 349 | 23.2% | 6.63% | #8 |
| 2024 | 664 | 470 | 19.9% | 6.63% | #5 |
| 2025 | 827 | 549 | 21.6% | 6.63% | #4 |
What Rocket 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 Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 139 | 98 | 25 | 18.0% |
| Burleigh County | 104 | 77 | 16 | 15.4% |
| Williams County | 83 | 52 | 21 | 25.3% |
| Ward County | 73 | 51 | 15 | 20.5% |
| Grand Forks County | 47 | 36 | 7 | 14.9% |
| Morton County | 42 | 28 | 6 | 14.3% |
| Stark County | 41 | 29 | 8 | 19.5% |
| McKenzie County | 25 | 10 | 8 | 32.0% |
| Stutsman County | 21 | 11 | 6 | 28.6% |
| Richland County | 19 | 13 | 3 | 15.8% |
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% |
| 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% |
| U.S. Bank | D | 486 | 30.0% | 7.30% |
Frequently asked questions
North Dakota: 827 applications in 2025, of which 549 were originated and 179 denied.
21.6% of all applications, or 23.9% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Rocket Mortgage originated in North Dakota in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Rocket 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