Pembina County, ND Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pembina County, ND distress report, 2026: 14 ZIPs scored in Pembina, ND, Pembina, ND average 11/100; the top Pembina, ND ZIP is 58216 at 13/100; Pembina, ND market phase peak, Pembina, ND prices +4.2% year over year.
- Pembina, ND ranks #2,003 nationally (opportunity index); Pembina, ND #28 in North Dakota; Pembina, ND index 27.7.
- Pembina, ND: no CFPB county sample; Pembina, ND state reading 0.6%.
- Pembina, ND ZIP phases: 14 peak.
- Pembina, ND residential listings tracked: 3 across 12 ZIPs; Pembina, ND candidate listings 2.
- Pembina, ND lenders on watch: 4; largest Pembina, ND footprint Kodabank (6 branches).
- Pembina, ND most distressed ZIP: 58216 at 13/100.
Pembina, ND figures: DLRadar distress index; Pembina, ND inputs: CFPB, FHFA, HUD, FDIC; Pembina, ND rebuilt as sources refresh.
| Rank | Pembina, ND ZIP | Score |
|---|---|---|
| 1 | 58216 | 13/100 |
| 2 | 58220 | 13/100 |
| 3 | 58222 | 13/100 |
| 4 | 58236 | 13/100 |
| 5 | 58238 | 13/100 |
| 6 | 58241 | 13/100 |
| 7 | 58262 | 13/100 |
| 8 | 58265 | 13/100 |
| 9 | 58271 | 13/100 |
| 10 | 58276 | 13/100 |
| 11 | 58225 | 9/100 |
| 12 | 58243 | 5/100 |
Most distressed Pembina, ND ZIPs (0-100, 2026)
Mortgage delinquency around Pembina, ND
No CFPB county sample covers Pembina, ND; the state reading for Pembina, ND: 0.6% ninety-plus; Pembina, ND area thirty-to-eighty-nine 1.3% (December 2025, Pembina, ND).
Opportunity index: Pembina, ND
Pembina, ND index 27.7, Pembina, ND phase weak; Pembina, ND primary driver vacancy, Pembina, ND second driver construction. Pembina, ND components: property stress 17.8, foreclosure pressure 16.6, listing discounts 6.1, bank stress 58.0, insurance 0.0; Pembina, ND pulse 36.6; Pembina, ND capital opportunity 14.4.
ZIP market phases inside Pembina, ND
14 Pembina, ND ZIPs carry a price-cycle phase; Pembina, ND ZIPs by phase (Pembina, ND), deepest drawdown first: peak, +4.2% YoY, 0.0% off peak (Pembina, ND): 58216, 58220, 58222, 58227, Pembina, ND 58236, 58238, 58241, 58243, Pembina, ND 58262, 58265, 58271, 58276, Pembina, ND 58282; peak, +4.1% YoY, 0.0% off peak (Pembina, ND): 58225.
Residential listings by Pembina, ND ZIP
Pembina, ND ZIPs with the most tracked Pembina, ND residential listings: 58282 2 listings, 1 candidates, bank pressure 59; 58276 1 listings, 1 candidates, bank pressure 60; 58216 0 listings, 0 candidates, bank pressure 60; 58220 0 listings, 0 candidates, bank pressure 59 (Pembina, ND); 58222 0 listings, 0 candidates, bank pressure 60; 58225 0 listings, 0 candidates, bank pressure 63; 58236 0 listings, 0 candidates, bank pressure 60; 58238 0 listings, 0 candidates, bank pressure 60. Pembina, ND totals: 3 listings; Pembina, ND candidates 2; active ZIPs 0.
Lenders with branches in Pembina, ND
Pembina, ND lenders by branch count: Kodabank (Pembina, ND): stress 56, 6 branches low in Pembina, ND; First United Bank (Pembina, ND): stress 56, 2 branches low in Pembina, ND; United Valley Bank (Pembina, ND): stress 67, 1 branch moderate in Pembina, ND; Choice Financial Group (Pembina, ND): stress 60, 1 branch low in Pembina, ND.
Vacancy and permits, Pembina, ND
530 of 3,503 Pembina, ND housing units are vacant.
Work Pembina, ND at the parcel level
Every Pembina, ND parcel carries owner and address; every Pembina, ND parcel carries APN; Pembina, ND distress scores sit on the Pembina, ND live board.
Pembina, ND figures refresh with each source.
Pembina, ND questions
Most distressed ZIP code in Pembina County, ND?
ZIP 58216 leads Pembina, ND at 13/100; next in Pembina, ND: 58220 at 13/100; the Pembina, ND average is 11/100.
Where does Pembina County, ND rank for investment opportunity?
Pembina, ND is #2,003 among all ranked counties, #28 in North Dakota; the Pembina, ND driver is vacancy; Pembina, ND moved down 1,230 places.
How many mortgages are delinquent in Pembina County, ND?
Pembina, ND takes the state reading of 0.6% for December 2025; no CFPB county sample covers Pembina, ND.
Which banks lend in Pembina County, ND?
4 watched lenders hold Pembina, ND branches; the largest Pembina, ND footprints are Kodabank (6), First United Bank (2), United Valley Bank (1).
More on Pembina, ND
Pembina County, ND distress report: public-record figures for Pembina, ND; not legal advice for Pembina, ND; not tax or investment advice; verify every Pembina, ND record before acting.