Lenders › Valley Mortgage, Inc. › North Dakota
Valley Mortgage, Inc. in North Dakota
HMDA record for properties in North Dakota, calendar year 2024. National record · North Dakota overview
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.
In North Dakota, Valley Mortgage, Inc. reported 201 applications and 179 originations for 2024, $51m in all.
Its denial rate in the state was 0.6%, below the North Dakota rate of 14.3% across all lenders and compared with the lender's national rate of 0.8%.
The median rate spread on its North Dakota originations was -0.2 percentage points (state median 0.2).
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In North Dakota | North Dakota, all lenders | Valley Mortgage, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 0.6% | 14.3% | 0.8% | 24.3% |
| Median rate spread, pp | -0.2 | 0.2 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.6% | 13.2% | 0.4% | 15.6% |
| Average originated loan | $285k | $244k | $277k | $329k |
| Home purchase share | 98.3% | 63.4% | 96.0% | 57.0% |
| FHA-insured share | 17.9% | 13.0% | 18.6% | 13.4% |
| VA-guaranteed share | 7.3% | 9.5% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Dakota, all lenders
Loan purpose and loan type in North Dakota
By purpose
Home purchase 98% (176)Refinancing 2% (3)
By type
Conventional 75% (134)FHA 18% (32)VA 7% (13)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in North Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cass County | 181 | 162 | $47m | 0.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Valley Mortgage, Inc. originate in North Dakota in 2024?
179 loans totalling $51m, from 201 applications reported for properties in North Dakota.
What is Valley Mortgage, Inc.'s denial rate in North Dakota?
0.6% of decided applications in North Dakota were denied, against 14.3% for all lenders in the state and 0.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which North Dakota counties does Valley Mortgage, Inc. lend in most?
By originations: Cass County (162).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in North Dakota. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.