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Traill 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.
Traill County, North Dakota, saw 178 HMDA-reported applications and 126 originations ($22m) in 2024.
That is 37.8 originations per 1,000 households, against 39.6 for North Dakota and 48.0 nationally.
The county's denial rate was 14.9%, close to the state rate of 14.3%. The median rate spread on originated loans was 0.5 percentage points and 11.8% of originations were 1.5 points or more above the average prime offer rate.
Originations were up 18% 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 | 14.9% | 14.3% | 24.3% |
| Median rate spread, pp | 0.5 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.8% | 13.2% | 15.6% |
| Average originated loan | $174k | $244k | $329k |
| Originations per 1,000 households | 37.8 | 39.6 | 48.0 |
| Home purchase share of originations | 60.3% | 63.4% | 57.0% |
| FHA-insured share | 12.7% | 13.0% | 13.4% |
| VA-guaranteed share | 8.7% | 9.5% | 7.9% |
Rate spread distribution
Share of 102 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% (76)Home improvement 9% (11)Refinancing 8% (10)Cash-out refinancing 12% (15)Other purpose 11% (14)
By type
Conventional 75% (94)FHA 13% (16)VA 9% (11)USDA 4% (5)
Trend by year
ApplicationsOriginations
This countyNorth Dakota
Questions and answers
Which lenders are most active in Traill County, ND?
No lender reaches 25 applications in the county.
What is the mortgage denial rate in Traill County?
14.9% of decided applications were denied in 2024, against 14.3% across North Dakota and 24.3% nationally.
How many mortgages were originated in Traill County in 2024?
126 loans totalling $22m, from 178 applications; 37.8 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 38097; 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.