States › North Dakota › Emmons County
Emmons County, North Dakota
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 42 mortgage applications in Emmons County, North Dakota, for 2024, and originated 28 loans worth $4.3m.
That is 18.3 originations per 1,000 households, against 39.6 for North Dakota and 48.0 nationally.
The county's denial rate was 6.7%, below the state rate of 14.3%.
Originations were down 10% on 2023.
Most active lenders
No lender reaches 25 applications in the county.
Compared with North Dakota and the nation
| Measure | This county | North Dakota | United States |
|---|---|---|---|
| Denial rate | 6.7% | 14.3% | 24.3% |
| Median rate spread, pp | — | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | — | 13.2% | 15.6% |
| Average originated loan | $155k | $244k | $329k |
| Originations per 1,000 households | 18.3 | 39.6 | 48.0 |
| Home purchase share of originations | 71.4% | 63.4% | 57.0% |
| FHA-insured share | 14.3% | 13.0% | 13.4% |
| VA-guaranteed share | 14.3% | 9.5% | 7.9% |
Rate spread distribution
Withheld: fewer than 25 applications.
Loan purpose and loan type
By purpose
Home purchase 71% (20)Home improvement 4% (1)Refinancing 14% (4)Cash-out refinancing 7% (2)Other purpose 4% (1)
By type
Conventional 68% (19)FHA 14% (4)VA 14% (4)USDA 4% (1)
Trend by year
ApplicationsOriginations
This countyNorth Dakota
Questions and answers
Which lenders are most active in Emmons County, ND?
No lender reaches 25 applications in the county.
What is the mortgage denial rate in Emmons County?
6.7% of decided applications were denied in 2024, against 14.3% across North Dakota and 24.3% nationally.
How many mortgages were originated in Emmons County in 2024?
28 loans totalling $4.3m, from 42 applications; 18.3 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 38029; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.