TOWN AND COUNTRY Credit Union in North Dakota vs the state
2.1%Denial rate-9.34 pts vs state
2.5%Decision denial rate-11.23 pts vs state
82.3%Origination rate+12.62 pts vs state
6.25%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.15 pts vs state
$105kMedian applicant income
470Loans originated
12Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 560 | 455 | 2.9% | 6.24% | #6 |
| 2024 | 622 | 500 | 2.6% | 6.49% | #7 |
| 2025 | 571 | 470 | 2.1% | 6.25% | #8 |
What TOWN AND COUNTRY Credit Union lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most TOWN AND COUNTRY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ward County | 250 | 217 | 1 | 0.4% |
| Cass County | 237 | 187 | 9 | 3.8% |
| Mountrail County | 18 | 15 | 0 | 0.0% |
| Renville County | 10 | 9 | 0 | 0.0% |
| McHenry County | 9 | 8 | 0 | 0.0% |
| McLean County | 8 | 3 | 2 | 25.0% |
| Richland County | 8 | 7 | 0 | 0.0% |
| Bottineau County | 7 | 6 | 0 | 0.0% |
| Burleigh County | 6 | 5 | 0 | 0.0% |
| Traill County | 3 | 1 | 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% |
| 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: 571 applications in 2025, of which 470 were originated and 12 denied.
2.1% of all applications, or 2.5% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans TOWN AND COUNTRY Credit Union originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are TOWN AND COUNTRY Credit Union'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