Emmons County
North Dakota · FIPS 38029
According to CFPB HMDA 2024 application volume among U.S. counties, Emmons County ranks #3,067 of 3,223, and #33 of 53 in North Dakota.
Mortgage lending activity in Emmons 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. Emmons County, North Dakota lenders denied 2 of the applications reported here, financing the rest at an average note rate of 6.46%, with applicants self-reporting average annual income of $35K. 16 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 Emmons County
In Emmons County, lead originator Unison Bank funded 17.9% of 28 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 35.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Emmons County's 44 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Emmons County's $150,455 average loan (deduped against volume peers).
Lenders active in Emmons County
Unison Bank funded 5 of the 28 loans originated in Emmons County, 17.9% of the county. 16 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Unison Bank | 5 | 17.9% |
| 2 | Capital Credit Union | 3 | 10.7% |
| 3 | First Federal Bank | 2 | 7.1% |
| 4 | Kirkwood Bank & Trust Co. | 2 | 7.1% |
| 5 | Mortgage Research Center | 2 | 7.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Emmons 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 Emmons 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.