North Dakota’s FHA denial rate in 2025 was 17.7% across 2,080 decisioned applications — ranking #45 of 52 states. Among high-volume lenders, the lowest observed denial rate was First International Bank & Trust at 4.2%; the highest was Rocket Mortgage at 33.9%. The institutional spread inside North Dakota is 8.1×: the same FHA application faces a 4.2% observed denial rate at one high-volume door and 33.9% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | North Dakota FHA apps | Denial rate |
|---|---|---|
| First International Bank & Trust | 118 | 4.2% |
| Fairway Independent Mort Corp | 161 | 4.3% |
| Gate City Bank | 152 | 7.9% |
| United Wholesale Mortgage | 152 | 13.8% |
| Rocket Mortgage | 177 | 33.9% |
Applications under $150K were denied 34.4% of the time versus 13.5% for loans of $250K+ — a 2.5× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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