Largest lenders in Williams County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank | C | 220 | 155 | 17.3% | 6.79% |
| 2 | Fairway Independent Mortgage | B | 97 | 77 | 2.1% | 6.45% |
| 3 | Rocket Mortgage | C | 83 | 52 | 25.3% | 6.50% |
| 4 | First International Bank & Trust | B | 74 | 60 | 4.1% | 6.86% |
| 5 | Crosscountry Mortgage | B | 62 | 54 | 3.2% | 6.49% |
| 6 | Western Cooperative Credit Union | – | 46 | 37 | 4.4% | 6.10% |
| 7 | United Shore Financial Services | B | 44 | 29 | 20.5% | 6.50% |
| 8 | Mortgage Research Center | C | 44 | 25 | 20.5% | 6.25% |
| 9 | 21st Mortgage | F | 38 | 6 | 31.6% | 11.02% |
| 10 | U.S. Bank | D | 22 | 12 | 31.8% | 7.44% |
| 11 | Freedom Mortgage | B | 20 | 7 | 45.0% | 6.63% |
| 12 | Broker Solutions | D | 20 | 11 | 10.0% | 7.25% |
| 13 | V.i.p. Mortgage | B | 19 | 16 | 0.0% | 6.25% |
| 14 | Loandepot.Com | D | 19 | 8 | 42.1% | 6.81% |
| 15 | Lakeview Loan Servicing | C | 17 | 3 | 35.3% | 6.49% |
| 16 | AmeriSave Mortgage | D | 16 | 3 | 56.3% | 8.63% |
| 17 | Newrez | D | 16 | 7 | 25.0% | 6.25% |
| 18 | Navy Federal Credit Union | D | 13 | 4 | 46.2% | 6.25% |
| 19 | Coastal Community Bank | C | 13 | 2 | 7.7% | 12.62% |
| 20 | American Neighborhood Mortgage Acceptance Company | B | 12 | 12 | 0.0% | 6.45% |
| 21 | Bankwest | F | 11 | 4 | 36.4% | 7.69% |
| 22 | Nationstar Mortgage | C | 10 | 6 | 20.0% | 7.81% |
| 23 | Pennymac Loan Services | C | 8 | 4 | 0.0% | 5.81% |
| 24 | Wells Fargo Bank | B | 8 | 6 | 12.5% | 6.63% |
| 25 | Guaranteed Rate | B | 8 | 5 | 25.0% | 6.63% |
Best approval odds in Williams 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 | 79 | 2.5% |
| 2 | Crosscountry Mortgage | 56 | 3.6% |
| 3 | First International Bank & Trust | 65 | 4.6% |
| 4 | Gate City Bank | 199 | 19.1% |
| 5 | Rocket Mortgage | 77 | 27.3% |
What Williams County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Williams County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 868 | 528 | 14.8% | 6.69% | $245,000 |
| 2024 | 1,053 | 660 | 16.2% | 6.75% | $245,000 |
| 2025 | 1,152 | 712 | 17.3% | 6.58% | $265,000 |
Frequently asked questions
17.3% of applications in Williams County were denied in 2025, against 11.4% statewide in North Dakota.
Gate City Bank, with 220 applications in 2025 and a denial rate of 17.3%.
The median mortgage application in Williams County in 2025 was for $265,000; the median property value on originated loans was $365,000.