Lenders › Us Bank, N.A. › North Dakota
Us Bank, N.A. 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.
Us Bank, N.A.'s 2024 HMDA record for North Dakota covers 500 applications, 292 of them originated, worth $73m.
Its denial rate in the state was 31.3%, above the North Dakota rate of 14.3% across all lenders and compared with the lender's national rate of 41.5%.
The median rate spread on its North Dakota originations was 0.6 percentage points (state median 0.2).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In North Dakota | North Dakota, all lenders | Us Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 31.3% | 14.3% | 41.5% | 24.3% |
| Median rate spread, pp | 0.6 | 0.2 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.4% | 13.2% | 24.2% | 15.6% |
| Average originated loan | $250k | $244k | $403k | $329k |
| Home purchase share | 57.9% | 63.4% | 46.8% | 57.0% |
| FHA-insured share | 9.9% | 13.0% | 2.4% | 13.4% |
| VA-guaranteed share | 3.1% | 9.5% | 1.6% | 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 58% (169)Home improvement 12% (34)Refinancing 6% (17)Cash-out refinancing 11% (32)Other purpose 14% (40)
By type
Conventional 87% (253)FHA 10% (29)VA 3% (9)USDA 0% (1)
Denial reasons as coded
Share of 136 denials in North Dakota by first denial reason coded (outlined bar: all lenders in the state).
Counties in North Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cass County | 154 | 86 | $14m | 34.6% |
| Williams County | 65 | 45 | $15m | 17.9% |
| Burleigh County | 60 | 39 | $7.7m | 26.4% |
| Stark County | 36 | 26 | $6.8m | 21.2% |
| Grand Forks County | 39 | 23 | $3.5m | 30.3% |
| Ward County | 31 | 19 | $3.3m | 28.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Us Bank, N.A. originate in North Dakota in 2024?
292 loans totalling $73m, from 500 applications reported for properties in North Dakota.
What is Us Bank, N.A.'s denial rate in North Dakota?
31.3% of decided applications in North Dakota were denied, against 14.3% for all lenders in the state and 41.5% 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 Us Bank, N.A. lend in most?
By originations: Cass County (86), Williams County (45), Burleigh County (39), Stark County (26), Grand Forks County (23).
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.