The Federal Savings Bank in North Dakota vs the state
10.0%Denial rate-1.44 pts vs state
18.2%Decision denial rate+4.46 pts vs state
42.5%Origination rate-27.19 pts vs state
6.50%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.15 pts vs state
$98kMedian applicant income
17Loans originated
4Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 13 | 16.7% | 6.25% | #67 |
| 2024 | 32 | 7 | 12.5% | 6.13% | #77 |
| 2025 | 40 | 17 | 10.0% | 6.50% | #80 |
What The Federal Savings 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 The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 7 | 2 | 1 | 14.3% |
| Grand Forks County | 7 | 5 | 0 | 0.0% |
| Ward County | 5 | 1 | 1 | 20.0% |
| McKenzie County | 5 | 1 | 1 | 20.0% |
| Burleigh County | 4 | 3 | 0 | 0.0% |
| Richland County | 2 | 0 | 0 | 0.0% |
| Morton County | 2 | 2 | 0 | 0.0% |
| Ransom County | 2 | 2 | 0 | 0.0% |
| Adams County | 1 | 0 | 0 | 0.0% |
| Williams 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: 40 applications in 2025, of which 17 were originated and 4 denied.
10.0% of all applications, or 18.2% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans The Federal Savings Bank originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are The Federal Savings 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