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2024 data HMDA 2024 disclosure official source

Burleigh County

2,836 mortgage applications, 7.0% denial rate. Verify FIPS 38015 with U.S. Census Bureau →

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North Dakota · FIPS 38015

Local mortgage market. Burleigh County, North Dakota saw 2,836 HMDA-reported mortgage applications in 2024. Lenders originated 1,986 of those loans and denied 197, producing a denial rate of 7.0% and an approval (origination) rate of 70.0%. The average loan amount was $253,322 at an average note rate of 7.01%, with applicants self-reporting average annual income of $36K. 100 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 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.

FIPS 38015 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,836
Applications
1,986
Originated
7.0%
Denial Rate
70.0%
Approval Rate
$253,322
Avg Loan Amount
7.01%
Avg Interest Rate
$36K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Burleigh County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Gate City Bank 429 21.6%
2 Capital Credit Union 246 12.4%
3 First International Bank & Trust 119 6.0%
4 Dakota Community Bank & Trust, NA 113 5.7%
5 Bravera Bank 90 4.5%
Compare Gate City Bank vs Capital Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Burleigh County?
In the 2024 HMDA reporting year, 2,836 mortgage applications were filed in Burleigh County, North Dakota. Of these, 1,986 were originated (approved and funded), while 197 were denied, resulting in a denial rate of 7.0%.
What is the mortgage denial rate in Burleigh County?
The mortgage denial rate in Burleigh County is 7.0%. The approval (origination) rate is 70.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Burleigh County?
The average mortgage loan amount in Burleigh County is $253,322. The average interest rate is 7.015%. The average applicant income is $36K.
What is the loan-to-income ratio in Burleigh County?
The average loan-to-income ratio in Burleigh County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Burleigh County?
The top mortgage lenders in Burleigh County by origination volume are Gate City Bank, Capital Credit Union, First International Bank & Trust. In total, 100 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.