Mortgage lending in Emmons County, North Dakota
Lenders in Emmons County, North Dakota reported 71 mortgage applications for 2025, according to the CFPB.
71 mortgage applications and 50 loans originated in 2025; the denial rate was 8.8% of 57 applications decided. The median loan was about $90,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Emmons County, ND.
- 71
- Applications
- 50
- Loans originated
- 8.8%
- Denial rate
- 5 denied of 57 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 71 | 50 |
| 2024 | 42 | 28 |
| 2023 | 46 | 31 |
| 2022 | 75 | 53 |
| 2021 | 75 | 38 |
| 2020 | 75 | 45 |
| 2019 | 64 | 39 |
| 2018 | 50 | 33 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hometown Credit Union | 9 | 9 |
| Unison Bank | 8 | 8 |
| BNC National Bank | 6 | 8 |
| Vue Community Credit Union | 4 | 4 |
| Gate City Bank | 3 | 4 |
| Crosscountry Mortgage, LLC | 3 | 3 |
| First Community Credit Union | 2 | 2 |
| Mortgage Research Center | 2 | 6 |
| US Bank, N.A. | 2 | 3 |
| Starion Bank | 1 | 1 |
| Choice Financial Group | 1 | 1 |
| Kirkwood Bank & Trust Co. | 1 | 1 |
| Rocket Mortgage | 1 | 2 |
| Pentagon Federal Credit Union | 1 | 1 |
| Fairway Independent Mort Corp | 1 | 1 |
| Bravera Bank | 1 | 1 |
| Capital Credit Union | 1 | 2 |
| Cardinal Financial Company, Li | 1 | 1 |
| Bell Bank | 1 | 1 |
| Pennymac Loan Services LLC | 1 | 1 |
| Planet Home Lending, LLC | 0 | 0 |
| loanDepot.com LLC | 0 | 2 |
| Nextmortgage, LLC | 0 | 2 |
| Freedom Mortgage Corporation | 0 | 1 |
| Affinity Plus Federal Credit Union | 0 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| White | 58 | no rate: base under 50 |
| Joint | under 10 | |
| Race Not Available | 11 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 56 | no rate: base under 50 |
| Joint | under 10 | |
| Ethnicity Not Available | 10 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 25 | no rate: base under 50 |
| Female | withheld | |
| Joint | 27 | no rate: base under 50 |
| Sex Not Available | under 10 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2792 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved