Wells Fargo Bank in North Dakota vs the state
13.9%Denial rate+2.47 pts vs state
22.2%Decision denial rate+8.50 pts vs state
48.7%Origination rate-20.99 pts vs state
6.50%Median rate0.00 pts vs state
0.15Rate spread (pts)-0.09 pts vs state
$87kMedian applicant income
56Loans originated
16Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 81 | 19.1% | 6.50% | #25 |
| 2024 | 114 | 52 | 24.6% | 6.56% | #35 |
| 2025 | 115 | 56 | 13.9% | 6.50% | #42 |
What Wells Fargo 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 Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 44 | 22 | 6 | 13.6% |
| Grand Forks County | 15 | 3 | 3 | 20.0% |
| Ward County | 11 | 8 | 1 | 9.1% |
| Williams County | 8 | 6 | 1 | 12.5% |
| Burleigh County | 6 | 3 | 0 | 0.0% |
| Richland County | 3 | 3 | 0 | 0.0% |
| McHenry County | 3 | 2 | 0 | 0.0% |
| Golden Valley County | 3 | 2 | 0 | 0.0% |
| Dickey County | 3 | 1 | 0 | 0.0% |
| Mountrail County | 3 | 0 | 2 | 66.7% |
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: 115 applications in 2025, of which 56 were originated and 16 denied.
13.9% of all applications, or 22.2% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Wells Fargo Bank originated in North Dakota in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Wells Fargo 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