Western State Bank in North Dakota vs the state
3.5%Denial rate-7.91 pts vs state
4.7%Decision denial rate-9.00 pts vs state
71.2%Origination rate+1.49 pts vs state
6.38%Median rate-0.13 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$119kMedian applicant income
121Loans originated
6Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 70 | 7.5% | 6.81% | #40 |
| 2024 | 115 | 81 | 8.7% | 6.50% | #33 |
| 2025 | 170 | 121 | 3.5% | 6.38% | #29 |
What Western State 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 Western State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 132 | 88 | 6 | 4.5% |
| Ramsey County | 17 | 17 | 0 | 0.0% |
| Cavalier County | 8 | 5 | 0 | 0.0% |
| Richland County | 4 | 3 | 0 | 0.0% |
| Benson County | 2 | 2 | 0 | 0.0% |
| Grand Forks County | 2 | 2 | 0 | 0.0% |
| Rolette County | 1 | 1 | 0 | 0.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Walsh County | 1 | 1 | 0 | 0.0% |
| Dickey County | 1 | 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% |
| 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: 170 applications in 2025, of which 121 were originated and 6 denied.
3.5% of all applications, or 4.7% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Western State Bank originated in North Dakota in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Western State 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