Oliver County
North Dakota · FIPS 38065
According to CFPB HMDA 2024 application volume among U.S. counties, Oliver County ranks #3,128 of 3,223, and #46 of 53 in North Dakota.
Mortgage lending activity in Oliver 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. Oliver County, North Dakota lenders denied 4 of the applications reported here, financing the rest at an average note rate of 6.78%, with applicants self-reporting average annual income of $37K. 11 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 Oliver County
In Oliver County, lead originator Capital Credit Union funded 29.4% of 17 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 52.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Oliver County's 27 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Oliver County's $162,778 average loan (deduped against volume peers).
Lenders active in Oliver County
Capital Credit Union funded 5 of the 17 loans originated in Oliver County, 29.4% of the county. 11 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Capital Credit Union | 5 | 29.4% |
| 2 | Guaranteed Rate, INC. | 2 | 11.8% |
| 3 | Railway Credit Union | 2 | 11.8% |
| 4 | Mortgage Research Center | 1 | 5.9% |
| 5 | Rocket Mortgage | 1 | 5.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Oliver 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 Oliver 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.