Starion Bank in North Dakota vs the state
2.8%Denial rate-8.64 pts vs state
3.5%Decision denial rate-10.25 pts vs state
77.6%Origination rate+7.88 pts vs state
6.50%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.10 pts vs state
$123kMedian applicant income
166Loans originated
6Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 162 | 4.6% | 6.79% | #21 |
| 2024 | 208 | 158 | 1.9% | 7.15% | #21 |
| 2025 | 214 | 166 | 2.8% | 6.50% | #22 |
What Starion Bank lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Starion Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 89 | 71 | 2 | 2.2% |
| Morton County | 41 | 33 | 1 | 2.4% |
| Cass County | 20 | 17 | 0 | 0.0% |
| Dickey County | 17 | 12 | 0 | 0.0% |
| Rolette County | 14 | 7 | 2 | 14.3% |
| Bottineau County | 10 | 6 | 1 | 10.0% |
| Williams County | 4 | 3 | 0 | 0.0% |
| Mercer County | 3 | 3 | 0 | 0.0% |
| Foster County | 2 | 2 | 0 | 0.0% |
| Barnes County | 2 | 2 | 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: 214 applications in 2025, of which 166 were originated and 6 denied.
2.8% of all applications, or 3.5% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Starion Bank originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Starion Bank'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