Largest lenders in Stutsman County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank | C | 110 | 81 | 17.3% | 6.25% |
| 2 | First Community Credit Union | B | 101 | 73 | 7.9% | 6.50% |
| 3 | Unison Bank | C | 78 | 67 | 7.7% | — |
| 4 | Fairway Independent Mortgage | B | 46 | 32 | 4.4% | 6.23% |
| 5 | U.S. Bank | D | 29 | 11 | 37.9% | 8.45% |
| 6 | Rocket Mortgage | C | 21 | 11 | 28.6% | 6.38% |
| 7 | NextMortgage | C | 19 | 13 | 5.3% | 6.75% |
| 8 | Bank Forward | A | 11 | 10 | 0.0% | — |
| 9 | Freedom Mortgage | B | 10 | 2 | 10.0% | 5.75% |
| 10 | Dakota Heritage Bank | – | 10 | 10 | 0.0% | — |
| 11 | Dacotah Bank | B | 9 | 7 | 0.0% | 7.00% |
| 12 | Mortgage Research Center | C | 9 | 7 | 22.2% | 6.25% |
| 13 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 5.00% |
| 14 | United Shore Financial Services | B | 7 | 4 | 14.3% | 6.31% |
| 15 | Discover Bank | F | 6 | 1 | 83.3% | 12.12% |
| 16 | Old National Bank | B | 6 | 4 | 33.3% | 7.00% |
| 17 | Figure Lending | C | 6 | 4 | 33.3% | 8.45% |
| 18 | Waterstone Mortgage | C | 5 | 2 | 0.0% | 6.75% |
Best approval odds in Stutsman County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Unison Bank | 78 | 7.7% |
| 2 | First Community Credit Union | 81 | 9.9% |
| 3 | Gate City Bank | 100 | 19.0% |
What Stutsman County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Stutsman County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 503 | 360 | 9.7% | 6.88% | $125,000 |
| 2024 | 525 | 351 | 13.3% | 6.88% | $135,000 |
| 2025 | 572 | 386 | 15.7% | 6.55% | $125,000 |
Frequently asked questions
15.7% of applications in Stutsman County were denied in 2025, against 11.4% statewide in North Dakota.
Gate City Bank, with 110 applications in 2025 and a denial rate of 17.3%.
The median mortgage application in Stutsman County in 2025 was for $125,000; the median property value on originated loans was $235,000.