States › North Dakota › Morton County
Morton 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 944 mortgage applications in Morton County, North Dakota, for 2024, and originated 692 loans worth $150m.
That is 49.6 originations per 1,000 households, against 39.6 for North Dakota and 48.0 nationally.
The county's denial rate was 12.6%, close to the state rate of 14.3%. The median rate spread on originated loans was 0.3 percentage points and 17.6% of originations were 1.5 points or more above the average prime offer rate.
12 lenders reached 25 applications in the county; the most active by originations were Gate City Bank (144), Capital Credit Union (87) and Dakota Community Bank & Trust, NA (52).
Originations were up 5% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Gate City Bank | 182 | 144 | $24m | 13.9% | — |
| 2 | Capital Credit Union | 98 | 87 | $17m | 1.1% | — |
| 3 | Dakota Community Bank & Trust, NA | 60 | 52 | $12m | 7.1% | — |
| 4 | First International Bank & Trust | 45 | 36 | $7.8m | 7.7% | — |
| 5 | Starion Bank | 35 | 30 | $5.1m | 0.0% | — |
| 6 | Ark-La-Tex Financial Services LLC | 29 | 24 | $6.6m | 0.0% | — |
| 7 | Bravera Bank | 25 | 24 | $8.0m | — | — |
| 8 | Railway Credit Union | 26 | 23 | $1.9m | — | — |
| 9 | Kirkwood Bank & Trust Co. | 25 | 23 | $6.1m | 4.0% | — |
| 10 | Rocket Mortgage | 28 | 19 | $4.6m | — | — |
| 11 | Guaranteed Rate, Inc. | 25 | 15 | $4.5m | — | — |
| 12 | 21st Mortgage | 30 | 7 | $295k | 72.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 12. Denial rate is denials over decided applications in this county.
Compared with North Dakota and the nation
| Measure | This county | North Dakota | United States |
|---|---|---|---|
| Denial rate | 12.6% | 14.3% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.6% | 13.2% | 15.6% |
| Average originated loan | $216k | $244k | $329k |
| Originations per 1,000 households | 49.6 | 39.6 | 48.0 |
| Home purchase share of originations | 60.3% | 63.4% | 57.0% |
| FHA-insured share | 16.5% | 13.0% | 13.4% |
| VA-guaranteed share | 7.4% | 9.5% | 7.9% |
Rate spread distribution
Share of 556 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: North Dakota). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 60% (417)Home improvement 12% (81)Refinancing 11% (76)Cash-out refinancing 5% (34)Other purpose 12% (84)
By type
Conventional 75% (522)FHA 16% (114)VA 7% (51)USDA 1% (5)
Trend by year
ApplicationsOriginations
This countyNorth Dakota
Questions and answers
Which lenders are most active in Morton County, ND?
By 2024 originations: Gate City Bank (144), Capital Credit Union (87), Dakota Community Bank & Trust, NA (52), First International Bank & Trust (36), Starion Bank (30). 12 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Morton County?
12.6% of decided applications were denied in 2024, against 14.3% across North Dakota and 24.3% nationally.
How many mortgages were originated in Morton County in 2024?
692 loans totalling $150m, from 944 applications; 49.6 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 38059; 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.