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Pembina 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.
Pembina County, North Dakota, saw 88 HMDA-reported applications and 60 originations ($8.1m) in 2024.
That is 20.2 originations per 1,000 households, against 39.6 for North Dakota and 48.0 nationally.
The county's denial rate was 17.1%, above the state rate of 14.3%. The median rate spread on originated loans was 0.2 percentage points and 7.3% of originations were 1.5 points or more above the average prime offer rate.
Originations were down 19% 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 | 17.1% | 14.3% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.3% | 13.2% | 15.6% |
| Average originated loan | $135k | $244k | $329k |
| Originations per 1,000 households | 20.2 | 39.6 | 48.0 |
| Home purchase share of originations | 73.3% | 63.4% | 57.0% |
| FHA-insured share | 8.3% | 13.0% | 13.4% |
| VA-guaranteed share | 16.7% | 9.5% | 7.9% |
Rate spread distribution
Share of 41 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 73% (44)Home improvement 5% (3)Refinancing 15% (9)Cash-out refinancing 3% (2)Other purpose 3% (2)
By type
Conventional 73% (44)FHA 8% (5)VA 17% (10)USDA 2% (1)
Trend by year
ApplicationsOriginations
This countyNorth Dakota
Questions and answers
Which lenders are most active in Pembina County, ND?
No lender reaches 25 applications in the county.
What is the mortgage denial rate in Pembina County?
17.1% of decided applications were denied in 2024, against 14.3% across North Dakota and 24.3% nationally.
How many mortgages were originated in Pembina County in 2024?
60 loans totalling $8.1m, from 88 applications; 20.2 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 38067; 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.