Largest lenders in Richland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Bell Bank | A | 72 | 58 | 13.9% | 6.99% |
| 2 | Gate City Bank | C | 70 | 59 | 11.4% | 6.50% |
| 3 | United Shore Financial Services | B | 41 | 35 | 9.8% | 6.50% |
| 4 | First Community Credit Union | B | 40 | 31 | 2.5% | 6.10% |
| 5 | Rocket Mortgage | C | 19 | 13 | 15.8% | 6.38% |
| 6 | U.S. Bank | D | 15 | 6 | 46.7% | 8.20% |
| 7 | 21st Mortgage | F | 12 | 0 | 91.7% | — |
| 8 | Old National Bank | B | 12 | 8 | 8.3% | 6.56% |
| 9 | Mortgage Research Center | C | 9 | 5 | 11.1% | 6.13% |
| 10 | Loandepot.Com | D | 9 | 0 | 88.9% | — |
| 11 | BMO Bank | F | 9 | 6 | 11.1% | 9.72% |
| 12 | Newrez | D | 8 | 4 | 37.5% | 6.37% |
| 13 | TOWN AND COUNTRY Credit Union | B | 8 | 7 | 0.0% | 6.25% |
| 14 | Bremer Bank | B | 7 | 4 | 28.6% | 6.56% |
| 15 | Figure Lending | C | 7 | 2 | 14.3% | 8.68% |
| 16 | First International Bank & Trust | B | 6 | 6 | 0.0% | 6.38% |
| 17 | Equity Prime Mortgage | D | 5 | 2 | 20.0% | 6.75% |
| 18 | CMG Mortgage | A | 5 | 2 | 0.0% | 6.63% |
| 19 | Cambria Financial Group | B | 5 | 5 | 0.0% | 6.25% |
Best approval odds in Richland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Gate City Bank | 67 | 11.9% |
| 2 | Bell Bank | 68 | 14.7% |
What Richland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Richland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 371 | 273 | 12.1% | 6.72% | $105,000 |
| 2024 | 405 | 280 | 14.1% | 6.88% | $125,000 |
| 2025 | 464 | 313 | 16.0% | 6.50% | $135,000 |
Frequently asked questions
16.0% of applications in Richland County were denied in 2025, against 11.4% statewide in North Dakota.
Bell Bank, with 72 applications in 2025 and a denial rate of 13.9%.
The median mortgage application in Richland County in 2025 was for $135,000; the median property value on originated loans was $255,000.