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2024 data HMDA 2024 disclosure official source

Pembina County

93 mortgage applications, 14.0% denial rate. Verify FIPS 38067 with U.S. Census Bureau →

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North Dakota · FIPS 38067

Local mortgage market. Pembina County, North Dakota saw 93 HMDA-reported mortgage applications in 2024. Lenders originated 60 of those loans and denied 13, producing a denial rate of 14.0% and an approval (origination) rate of 64.5%. The average loan amount was $123,817 at an average note rate of 6.53%, with applicants self-reporting average annual income of $35K. 25 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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.

FIPS 38067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

93
Applications
60
Originated
14.0%
Denial Rate
64.5%
Approval Rate
$123,817
Avg Loan Amount
6.53%
Avg Interest Rate
$35K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Pembina County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 KODABANK 11 18.3%
2 United Wholesale Mortgage 7 11.7%
3 United Valley Bank 4 6.7%
4 Mortgage Research Center 4 6.7%
5 Rocket Mortgage 3 5.0%
Compare KODABANK vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Pembina County?
In the 2024 HMDA reporting year, 93 mortgage applications were filed in Pembina County, North Dakota. Of these, 60 were originated (approved and funded), while 13 were denied, resulting in a denial rate of 14.0%.
What is the mortgage denial rate in Pembina County?
The mortgage denial rate in Pembina County is 14.0%. The approval (origination) rate is 64.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pembina County?
The average mortgage loan amount in Pembina County is $123,817. The average interest rate is 6.534%. The average applicant income is $35K.
What is the loan-to-income ratio in Pembina County?
The average loan-to-income ratio in Pembina County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pembina County?
The top mortgage lenders in Pembina County by origination volume are KODABANK, United Wholesale Mortgage, United Valley Bank. In total, 25 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.