Eddy County
North Dakota · FIPS 38027
According to CFPB HMDA 2024 application volume among U.S. counties, Eddy County ranks #3,136 of 3,223, and #48 of 53 in North Dakota.
Mortgage lending activity in Eddy 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. Eddy County, North Dakota lenders denied 7 of the applications reported here, financing the rest at an average note rate of 6.92%, with applicants self-reporting average annual income of $32K. 9 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Eddy County
In Eddy County, lead originator Bank Forward funded 38.5% of 13 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 53.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Eddy County's 25 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Eddy County's $143,800 average loan (deduped against volume peers).
Lenders active in Eddy County
Bank Forward funded 5 of the 13 loans originated in Eddy County, 38.5% of the county. 9 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bank Forward | 5 | 38.5% |
| 2 | Click n' Close, Inc. | 1 | 7.7% |
| 3 | Pennymac Loan Services LLC | 1 | 7.7% |
| 4 | Mortgage Research Center | 1 | 7.7% |
| 5 | Rocket Mortgage | 1 | 7.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Eddy 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 Eddy 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.