Zillow Home Loans in North Dakota vs the state
9.5%Denial rate-1.92 pts vs state
14.3%Decision denial rate+0.57 pts vs state
47.6%Origination rate-22.07 pts vs state
6.69%Median rate+0.19 pts vs state
0.86Rate spread (pts)+0.62 pts vs state
$66kMedian applicant income
10Loans originated
2Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 8 | 21.4% | 6.38% | #102 |
| 2024 | 13 | 9 | 0.0% | 7.00% | #101 |
| 2025 | 21 | 10 | 9.5% | 6.69% | #108 |
What Zillow Home Loans lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ward County | 6 | 2 | 0 | 0.0% |
| Cass County | 3 | 1 | 0 | 0.0% |
| Stark County | 2 | 1 | 1 | 50.0% |
| McLean County | 1 | 0 | 0 | 0.0% |
| Morton County | 1 | 1 | 0 | 0.0% |
| Burleigh County | 1 | 1 | 0 | 0.0% |
| Richland County | 1 | 0 | 1 | 100.0% |
| Williams County | 1 | 0 | 0 | 0.0% |
| LaMoure County | 1 | 1 | 0 | 0.0% |
| Grand Forks 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: 21 applications in 2025, of which 10 were originated and 2 denied.
9.5% of all applications, or 14.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Zillow Home Loans originated in North Dakota in 2025 was 6.69%, against a statewide median of 6.50%.
About this data. Figures are Zillow Home Loans'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