Lenders › Western State Bank › North Dakota
Western State Bank in North Dakota
HMDA record for properties in North Dakota, calendar year 2024. National record · North Dakota overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In North Dakota, Western State Bank reported 115 applications and 81 originations for 2024, $21m in all.
Its denial rate in the state was 11.0%, below the North Dakota rate of 14.3% across all lenders and compared with the lender's national rate of 12.8%.
The median rate spread on its North Dakota originations was -0.0 percentage points (state median 0.2).
Applications in the state were up 24% on 2023.
Compared with the state and the lender's national record
| Measure | In North Dakota | North Dakota, all lenders | Western State Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.0% | 14.3% | 12.8% | 24.3% |
| Median rate spread, pp | -0.0 | 0.2 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.7% | 13.2% | 10.5% | 15.6% |
| Average originated loan | $257k | $244k | $507k | $329k |
| Home purchase share | 81.5% | 63.4% | 77.8% | 57.0% |
| FHA-insured share | 7.4% | 13.0% | 8.2% | 13.4% |
| VA-guaranteed share | 3.7% | 9.5% | 2.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Dakota, all lenders
Loan purpose and loan type in North Dakota
By purpose
Home purchase 81% (66)Home improvement 4% (3)Refinancing 5% (4)Cash-out refinancing 4% (3)Other purpose 6% (5)
By type
Conventional 89% (72)FHA 7% (6)VA 4% (3)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in North Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cass County | 77 | 52 | $17m | 11.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Western State Bank originate in North Dakota in 2024?
81 loans totalling $21m, from 115 applications reported for properties in North Dakota.
What is Western State Bank's denial rate in North Dakota?
11.0% of decided applications in North Dakota were denied, against 14.3% for all lenders in the state and 12.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which North Dakota counties does Western State Bank lend in most?
By originations: Cass County (52).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Dakota. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.