Pierce County
North Dakota · FIPS 38069
According to CFPB HMDA 2024 application volume among U.S. counties, Pierce County ranks #3,021 of 3,223, and #30 of 53 in North Dakota.
Mortgage lending activity in Pierce 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. Pierce County, North Dakota lenders denied 4 of the applications reported here, financing the rest at an average note rate of 6.89%, with applicants self-reporting average annual income of $37K. 17 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 Pierce County
In Pierce County, lead originator First International Bank & Trust funded 27.3% of 33 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Pierce County's 55 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pierce County's $181,182 average loan (deduped against volume peers).
Lenders active in Pierce County
First International Bank & Trust funded 9 of the 33 loans originated in Pierce County, 27.3% of the county. 17 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First International Bank & Trust | 9 | 27.3% |
| 2 | United Wholesale Mortgage | 3 | 9.1% |
| 3 | Us Bank, N.A. | 2 | 6.1% |
| 4 | Freedom Mortgage Corporation | 2 | 6.1% |
| 5 | Bremer Bank NA | 2 | 6.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Pierce 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 Pierce 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.