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2024 data HMDA 2024 disclosure official source

Renville County

76 mortgage applications, 13.2% denial rate. Verify FIPS 38075 with U.S. Census Bureau →

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North Dakota · FIPS 38075

Local mortgage market. Renville County, North Dakota saw 76 HMDA-reported mortgage applications in 2024. Lenders originated 38 of those loans and denied 10, producing a denial rate of 13.2% and an approval (origination) rate of 50.0%. The average loan amount was $198,289 at an average note rate of 6.41%, with applicants self-reporting average annual income of $35K. 22 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 38075 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

76
Applications
38
Originated
13.2%
Denial Rate
50.0%
Approval Rate
$198,289
Avg Loan Amount
6.41%
Avg Interest Rate
$35K
Avg Applicant Income
5.7x
Loan-to-Income Ratio

Nearby Lenders in Renville 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 Town and Country Credit Union 8 21.1%
2 Flagstar Bank NA 3 7.9%
3 Mortgage Research Center 3 7.9%
4 Guaranteed Rate, INC. 2 5.3%
5 Rocket Mortgage 2 5.3%
Compare Town and Country Credit Union vs Flagstar Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Renville County?
In the 2024 HMDA reporting year, 76 mortgage applications were filed in Renville County, North Dakota. Of these, 38 were originated (approved and funded), while 10 were denied, resulting in a denial rate of 13.2%.
What is the mortgage denial rate in Renville County?
The mortgage denial rate in Renville County is 13.2%. The approval (origination) rate is 50.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Renville County?
The average mortgage loan amount in Renville County is $198,289. The average interest rate is 6.411%. The average applicant income is $35K.
What is the loan-to-income ratio in Renville County?
The average loan-to-income ratio in Renville County is 5.7x, meaning borrowers took on loans averaging 5.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Renville County?
The top mortgage lenders in Renville County by origination volume are Town and Country Credit Union, Flagstar Bank NA, Mortgage Research Center. In total, 22 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.