Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Bismarck, ND
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Bismarck, ND HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| 20% to 29% | 90 | 3% |
| 30% to 35% | 90 | 3% |
| 36% to 42% | 109 | 8% |
| 43% to 49% | 73 | 14% |
If you were denied a HELOC in Bismarck, ND
None of the six major home equity investment providers lists North Dakota as a service area.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.38% at today’s prime rate.
State rules: North Dakota.
Other metro areas in North Dakota
Fargo, ND-MN (20%) ยท All 358 metro areas
Questions
What is the HELOC denial rate in Bismarck, ND?
Lenders denied 13.7% of the 439 HELOC applications they decided in the Bismarck, ND metro area in 2025, below the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Bismarck, ND?
The most common first reason lenders gave was debt-to-income ratio (48% of denials with a reason reported).
What is a typical HELOC rate in Bismarck, ND?
The median starting rate on HELOCs opened in the Bismarck, ND area in 2025 was 7.75%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.38%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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