Union Home Mortgage in North Dakota vs the state
12.9%Denial rate+1.46 pts vs state
14.8%Decision denial rate+1.09 pts vs state
71.0%Origination rate+1.28 pts vs state
6.00%Median rate-0.50 pts vs state
0.11Rate spread (pts)-0.13 pts vs state
$106kMedian applicant income
22Loans originated
4Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 5 | 25.0% | 6.50% | #105 |
| 2025 | 31 | 22 | 12.9% | 6.00% | #89 |
What Union Home 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 Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stark County | 8 | 6 | 1 | 12.5% |
| Burleigh County | 7 | 5 | 0 | 0.0% |
| Ward County | 5 | 4 | 1 | 20.0% |
| Morton County | 4 | 4 | 0 | 0.0% |
| Billings County | 2 | 2 | 0 | 0.0% |
| Benson County | 1 | 1 | 0 | 0.0% |
| Bowman County | 1 | 0 | 1 | 100.0% |
| McHenry County | 1 | 0 | 1 | 100.0% |
| McLean County | 1 | 0 | 0 | 0.0% |
| Oliver 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: 31 applications in 2025, of which 22 were originated and 4 denied.
12.9% of all applications, or 14.8% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Union Home Mortgage originated in North Dakota in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Union Home 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