Kidder County
North Dakota · FIPS 38043
According to CFPB HMDA 2024 application volume among U.S. counties, Kidder County ranks #3,093 of 3,223, and #41 of 53 in North Dakota.
Mortgage lending activity in Kidder 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. Kidder County, North Dakota lenders denied 1 of the applications reported here, financing the rest at an average note rate of 6.78%, with applicants self-reporting average annual income of $36K. 16 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kidder County
In Kidder County, lead originator First International Bank & Trust funded 12.5% of 24 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.3% 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 Kidder County's 37 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kidder County's $180,135 average loan (deduped against volume peers).
Lenders active in Kidder County
First International Bank & Trust funded 3 of the 24 loans originated in Kidder County, 12.5% of the county. 16 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First International Bank & Trust | 3 | 12.5% |
| 2 | Rocket Mortgage | 3 | 12.5% |
| 3 | Kirkwood Bank & Trust Co. | 2 | 8.3% |
| 4 | First Community Credit Union | 2 | 8.3% |
| 5 | Dakota Community Bank & Trust, NA | 2 | 8.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Kidder 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 Kidder 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.