Largest lenders in McKenzie County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mortgage | B | 73 | 53 | 4.1% | 6.38% |
| 2 | First International Bank & Trust | B | 47 | 38 | 8.5% | 7.31% |
| 3 | Rocket Mortgage | C | 25 | 10 | 32.0% | 6.69% |
| 4 | Crosscountry Mortgage | B | 20 | 14 | 10.0% | 6.58% |
| 5 | Dakota West Credit Union | – | 19 | 6 | 26.3% | 7.24% |
| 6 | United Shore Financial Services | B | 18 | 7 | 27.8% | 6.13% |
| 7 | Cornerstone Bank | B | 18 | 16 | 5.6% | 7.24% |
| 8 | American Neighborhood Mortgage Acceptance Company | B | 13 | 11 | 0.0% | 6.50% |
| 9 | Broker Solutions | D | 12 | 4 | 16.7% | 6.75% |
| 10 | Gate City Bank | C | 11 | 7 | 27.3% | 6.65% |
| 11 | Newrez | D | 11 | 2 | 18.2% | 6.87% |
| 12 | Mortgage Research Center | C | 10 | 5 | 10.0% | 6.63% |
| 13 | Loandepot.Com | D | 8 | 5 | 37.5% | 7.75% |
| 14 | 21st Mortgage | F | 7 | 2 | 42.9% | 11.27% |
| 15 | Bankwest | F | 7 | 0 | 42.9% | — |
| 16 | Freedom Mortgage | B | 6 | 2 | 16.7% | 6.00% |
| 17 | Nationstar Mortgage | C | 6 | 3 | 33.3% | 6.25% |
| 18 | Coastal Community Bank | C | 6 | 2 | 0.0% | 13.62% |
| 19 | U.S. Bank | D | 5 | 2 | 40.0% | 6.74% |
| 20 | The Federal Savings Bank | C | 5 | 1 | 20.0% | 5.63% |
Best approval odds in McKenzie County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Fairway Independent Mortgage | 56 | 5.4% |
What McKenzie County borrowers applied for
By loan purpose
By loan type
Why applications were denied
McKenzie County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 285 | 184 | 11.9% | 7.00% | $255,000 |
| 2024 | 268 | 185 | 11.9% | 6.88% | $295,000 |
| 2025 | 412 | 226 | 18.5% | 6.75% | $305,000 |
Frequently asked questions
18.5% of applications in McKenzie County were denied in 2025, against 11.4% statewide in North Dakota.
Fairway Independent Mortgage, with 73 applications in 2025 and a denial rate of 4.1%.
The median mortgage application in McKenzie County in 2025 was for $305,000; the median property value on originated loans was $425,000.