RAILWAY
RAILWAY received 131 applications in 2025 and made 108 mortgages, in 27 counties across 13 states. The median rate its borrowers got was Not published on a median loan of $75,000. Of 124 decisions, 16 were denials — 12.9%.
| Legal Entity Identifier | 549300TSZB60GNONKL22 |
|---|---|
| Applications received | 131 |
| Mortgages made | 108 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 34 | Not published | $125,000 | 0.0% |
| Refinancing | 11 | Not published | $135,000 | 21.4% |
| Cash-out refinancing | 13 | Not published | $135,000 | 0.0% |
| Other purposes | 50 | Not published | $55,000 | 20.6% |
Where RAILWAY lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Burleigh County, ND | 52 | Not published | 14.8% |
| Morton County, ND | 32 | Not published | 8.6% |
| Kidder County, ND | 4 | Under 10 loans | 0.0% |
| Ward County, ND | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Douglas County, MN | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Missoula County, MT | 1 | Under 10 loans | 0.0% |
| Scotts Bluff County, NE | 1 | Under 10 loans | 0.0% |
| Barnes County, ND | 1 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 1 | Under 10 loans | 0.0% |
| Grant County, ND | 1 | Under 10 loans | 0.0% |
| McHenry County, ND | 1 | Under 10 loans | 0.0% |
| McLean County, ND | 1 | Under 10 loans | 0.0% |
| Mercer County, ND | 1 | Under 10 loans | 0.0% |
| Lincoln County, SD | 1 | Under 10 loans | 0.0% |
| Minnehaha County, SD | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Randall County, TX | 1 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 0.0% |
| Campbell County, WY | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 0 | Under 10 loans | Not published |
| Peoria County, IL | 0 | Under 10 loans | 100.0% |
| Johnson County, KS | 0 | Under 10 loans | Not published |
| Rolette County, ND | 0 | Under 10 loans | 100.0% |
| Wells County, ND | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | 100.0% |
Get told when this changes
When RAILWAY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.