LaMoure County
North Dakota · FIPS 38045
According to CFPB HMDA 2024 application volume among U.S. counties, LaMoure County ranks #2,951 of 3,210, and #27 of 53 in North Dakota.
Mortgage lending activity in LaMoure 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. LaMoure County, North Dakota saw 73 HMDA-reported mortgage applications in 2024. Lenders originated 47 of those loans and denied 11, producing a denial rate of 15.1% and an approval (origination) rate of 64.4%. The average loan amount was $133,082 at an average note rate of 6.85%, with applicants self-reporting average annual income of $34K. 27 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 LaMoure County
In LaMoure County, lead originator First Community Credit Union funded only 10.6% of 47 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 31.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to LaMoure County's 73 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to LaMoure County's $133,082 average loan (deduped against volume peers).
Lenders active in LaMoure County
First Community Credit Union funded 5 of the 47 loans originated in LaMoure County, 10.6% of the county. 27 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Community Credit Union | 5 | 10.6% |
| 2 | Hometown Credit Union | 5 | 10.6% |
| 3 | United Wholesale Mortgage | 5 | 10.6% |
| 4 | First International Bank & Trust | 3 | 6.4% |
| 5 | Merchants Bank, National Association | 3 | 6.4% |
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; does not constitute financial advice for LaMoure County borrowers.
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 LaMoure County 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. 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.