Spring Eq in North Dakota vs the state
80.0%Denial rate+68.56 pts vs state
100.0%Decision denial rate+86.28 pts vs state
0.0%Origination rate-69.69 pts vs state
—Median rate
—Rate spread (pts)
$221kMedian applicant income
0Loans originated
4Denied
What Spring Eq lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williams County | 2 | 0 | 1 | 50.0% |
| Grand Forks County | 1 | 0 | 1 | 100.0% |
| Cass County | 1 | 0 | 1 | 100.0% |
| Ramsey County | 1 | 0 | 1 | 100.0% |
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: 5 applications in 2025, of which 0 were originated and 4 denied.
80.0% of all applications, or 100.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Spring Eq'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