Mortgage lending in Pembina County, North Dakota
Lenders in Pembina County, North Dakota reported 113 mortgage applications for 2025, according to the CFPB.
113 mortgage applications and 88 loans originated in 2025; the denial rate was 11.9% of 101 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Pembina County, ND.
- 113
- Applications
- 88
- Loans originated
- 11.9%
- Denial rate
- 12 denied of 101 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 113 | 88 |
| 2024 | 88 | 60 |
| 2023 | 93 | 74 |
| 2022 | 129 | 71 |
| 2021 | 168 | 112 |
| 2020 | 153 | 87 |
| 2019 | 107 | 65 |
| 2018 | 99 | 64 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| KodaBank | 23 | 23 |
| Choice Financial Group | 7 | 7 |
| First United Bank | 6 | 6 |
| Rocket Mortgage | 5 | 6 |
| United Wholesale Mortgage | 5 | 6 |
| Merchants Bank, National Association | 3 | 3 |
| Gate City Bank | 3 | 3 |
| Empeople Credit Union | 2 | 2 |
| Ark-LA-Tex Financial Services LLC | 2 | 2 |
| First International Bank & Trust | 2 | 2 |
| Dakota Community Bank & Trust, NA | 2 | 2 |
| Bremer Bank NA | 2 | 2 |
| Alerus Financial NA | 2 | 2 |
| Mortgage Research Center | 2 | 3 |
| Fairway Independent Mort Corp | 2 | 3 |
| American Federal Bank | 2 | 2 |
| Valley Mortgage, Inc. | 2 | 2 |
| Cardinal Financial Company, Li | 2 | 2 |
| AgCountry Farm Credit Services, FLCA | 1 | 1 |
| Nations Lending Corporation | 1 | 1 |
| Border Bank | 1 | 1 |
| United Valley Bank | 1 | 1 |
| Navy Federal Credit Union | 1 | 3 |
| First Colony Mortgage Corporat | 1 | 1 |
| Old National Bank | 1 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 90 | 6.2% of 81 decided |
| Race Not Available | 17 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 91 | 9.5% of 84 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 17 | no rate: base under 50 |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 41 | no rate: base under 50 |
| Female | 12 | no rate: base under 50 |
| Joint | 45 | no rate: base under 50 |
| Sex Not Available | 15 | no rate: base under 50 |
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. 2230 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