United Shore Financial Services in North Dakota vs the state
7.5%Denial rate-3.95 pts vs state
8.3%Decision denial rate-5.44 pts vs state
82.3%Origination rate+12.60 pts vs state
6.25%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.15 pts vs state
$101kMedian applicant income
725Loans originated
66Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 488 | 432 | 4.7% | 6.63% | #9 |
| 2024 | 589 | 508 | 5.3% | 6.50% | #8 |
| 2025 | 881 | 725 | 7.5% | 6.25% | #3 |
What United Shore Financial Services lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 253 | 208 | 29 | 11.5% |
| Grand Forks County | 178 | 160 | 4 | 2.2% |
| Burleigh County | 118 | 107 | 3 | 2.5% |
| Ward County | 47 | 38 | 1 | 2.1% |
| Morton County | 45 | 37 | 2 | 4.4% |
| Williams County | 44 | 29 | 9 | 20.5% |
| Richland County | 41 | 35 | 4 | 9.8% |
| McKenzie County | 18 | 7 | 5 | 27.8% |
| Ransom County | 15 | 11 | 1 | 6.7% |
| Stark County | 15 | 7 | 3 | 20.0% |
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% |
| 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% |
| U.S. Bank | D | 486 | 30.0% | 7.30% |
Frequently asked questions
North Dakota: 881 applications in 2025, of which 725 were originated and 66 denied.
7.5% of all applications, or 8.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans United Shore Financial Services originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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