Largest lenders in Ward County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank | C | 267 | 201 | 10.1% | 6.38% |
| 2 | TOWN AND COUNTRY Credit Union | B | 250 | 217 | 0.4% | 6.24% |
| 3 | First International Bank & Trust | B | 200 | 175 | 3.0% | 6.38% |
| 4 | Mortgage Research Center | C | 112 | 73 | 8.0% | 6.25% |
| 5 | Aspire Community Federal Credit union | A | 108 | 104 | 3.7% | — |
| 6 | Ark-La-Tex Financial Services, LLC. | A | 98 | 74 | 2.0% | 6.11% |
| 7 | First Western Bank & Trust | B | 76 | 65 | 1.3% | 6.50% |
| 8 | Rocket Mortgage | C | 73 | 51 | 20.6% | 6.50% |
| 9 | Loandepot.Com | D | 63 | 40 | 9.5% | 6.38% |
| 10 | United Shore Financial Services | B | 47 | 38 | 2.1% | 6.00% |
| 11 | Navy Federal Credit Union | D | 45 | 31 | 17.8% | 5.88% |
| 12 | Pennymac Loan Services | C | 43 | 19 | 16.3% | 6.25% |
| 13 | Bravera Bank | A | 39 | 36 | 0.0% | — |
| 14 | Freedom Mortgage | B | 35 | 14 | 2.9% | 5.75% |
| 15 | Coastal Community Bank | C | 31 | 8 | 0.0% | 11.24% |
| 16 | U.S. Bank | D | 30 | 12 | 46.7% | 7.25% |
| 17 | NextMortgage | C | 24 | 15 | 0.0% | 6.99% |
| 18 | Broker Solutions | D | 24 | 10 | 20.8% | 6.63% |
| 19 | Figure Lending | C | 23 | 8 | 39.1% | 11.20% |
| 20 | USAA Federal Savings Bank | C | 20 | 12 | 10.0% | 6.00% |
| 21 | Dacotah Bank | B | 20 | 17 | 10.0% | 6.38% |
| 22 | Newrez | D | 18 | 1 | 11.1% | 6.63% |
| 23 | Discover Bank | F | 13 | 2 | 61.5% | 8.87% |
| 24 | A&D Mortgage | C | 12 | 10 | 8.3% | 6.13% |
| 25 | Flagstar Bank | C | 11 | 8 | 27.3% | 6.56% |
Best approval odds in Ward County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | TOWN AND COUNTRY Credit Union | 218 | 0.5% |
| 2 | First Western Bank & Trust | 66 | 1.5% |
| 3 | Ark-La-Tex Financial Services, LLC. | 76 | 2.6% |
| 4 | First International Bank & Trust | 182 | 3.3% |
| 5 | Aspire Community Federal Credit union | 108 | 3.7% |
| 6 | Mortgage Research Center | 84 | 10.7% |
| 7 | Gate City Bank | 234 | 11.5% |
| 8 | Rocket Mortgage | 68 | 22.1% |
What Ward County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ward County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,464 | 1,045 | 11.0% | 6.49% | $195,000 |
| 2024 | 1,795 | 1,276 | 10.9% | 6.49% | $205,000 |
| 2025 | 1,951 | 1,378 | 9.7% | 6.25% | $205,000 |
Frequently asked questions
9.7% of applications in Ward County were denied in 2025, against 11.4% statewide in North Dakota.
Gate City Bank, with 267 applications in 2025 and a denial rate of 10.1%.
The median mortgage application in Ward County in 2025 was for $205,000; the median property value on originated loans was $295,000.