Bottineau County
North Dakota · FIPS 38009
According to CFPB HMDA 2024 application volume among U.S. counties, Bottineau County ranks #2,855 of 3,223, and #19 of 53 in North Dakota.
Mortgage lending activity in Bottineau County, North Dakota based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Bottineau County, North Dakota lenders denied 9 of the applications reported here, financing the rest at an average note rate of 6.59%, with applicants self-reporting average annual income of $36K. 24 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Bottineau County
In Bottineau County, lead originator Gate City Bank funded 13.6% of 66 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 30.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Bottineau County's 102 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bottineau County's $190,784 average loan (deduped against volume peers).
Lenders active in Bottineau County
Gate City Bank funded 9 of the 66 loans originated in Bottineau County, 13.6% of the county. 24 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gate City Bank | 9 | 13.6% |
| 2 | Starion Bank | 6 | 9.1% |
| 3 | First International Bank & Trust | 5 | 7.6% |
| 4 | Mortgage Research Center | 5 | 7.6% |
| 5 | United Wholesale Mortgage | 5 | 7.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Bottineau County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Bottineau County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.