Foster County
North Dakota · FIPS 38031
According to CFPB HMDA 2024 application volume among U.S. counties, Foster County ranks #3,020 of 3,223, and #29 of 53 in North Dakota.
Mortgage lending activity in Foster 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. Foster County, North Dakota lenders denied 5 of the applications reported here, financing the rest at an average note rate of 7.44%, with applicants self-reporting average annual income of $37K. 9 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 Foster County
In Foster County, lead originator Gate City Bank funded 40.0% of 40 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 70.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Foster County's 55 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Foster County's $163,182 average loan (deduped against volume peers).
Lenders active in Foster County
Gate City Bank funded 16 of the 40 loans originated in Foster County, 40.0% of the county. 9 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gate City Bank | 16 | 40.0% |
| 2 | Bank Forward | 7 | 17.5% |
| 3 | Bremer Bank NA | 5 | 12.5% |
| 4 | First Community Credit Union | 3 | 7.5% |
| 5 | First International Bank & Trust | 2 | 5.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Foster 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 Foster 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.