Wings Financial Credit Union in North Dakota vs the state
40.0%Denial rate+28.56 pts vs state
40.0%Decision denial rate+26.28 pts vs state
60.0%Origination rate-9.69 pts vs state
6.75%Median rate+0.25 pts vs state
0.01Rate spread (pts)-0.23 pts vs state
$192kMedian applicant income
3Loans originated
2Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 7 | 12.5% | 8.25% | #120 |
| 2025 | 5 | 3 | 40.0% | 6.75% | #162 |
What Wings Financial 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 Wings Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 2 | 1 | 1 | 50.0% |
| Williams County | 1 | 0 | 1 | 100.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Ward 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: 5 applications in 2025, of which 3 were originated and 2 denied.
40.0% of all applications, or 40.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Wings Financial Credit Union originated in North Dakota in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Wings Financial 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