Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2005
In 2005, Dakota Community Bank & Trust, NA of Hebron, ND reported 1,034 mortgage applications totaling $96.3 million. The average application was for $93,173, and applicants reported an average income of $45,032. 80% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Bismarck, ND (736), Fargo, ND-MN (5) and Fort Wayne, IN (1) (applications in parentheses).
| Mortgage Company & Address | Dakota Community Bank & Trust, NA 608 Main Street Hebron, ND 58638 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,034 |
| Total Mortgage Loan Application Amount | $96,341,000 |
| Average Mortgage Loan Application Amount | $93,173 |
| Highest Mortgage Loan Application Amount | $1,645,000 |
| Average Applicant Income | $45,032 |
| Highest Applicant Income | $610,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Burleigh, North Dakota | 500 | $ 49,601,000 | $ 99,202 | $ 50,000 |
| Morton, North Dakota | 236 | $ 20,263,000 | $ 85,860 | $ 37,000 |
| Stark, North Dakota | 163 | $ 14,572,000 | $ 89,398 | $ 34,000 |
| Bowman, North Dakota | 20 | $ 788,000 | $ 39,400 | $ 38,000 |
| Mercer, North Dakota | 12 | $ 1,022,000 | $ 85,166 | $ 45,000 |
| Dunn, North Dakota | 11 | $ 673,000 | $ 61,181 | $ 39,000 |
| McLean, North Dakota | 11 | $ 844,000 | $ 76,727 | $ 61,000 |
| Grant, North Dakota | 10 | $ 593,000 | $ 59,300 | $ 42,000 |
| Cass, North Dakota | 5 | $ 487,000 | $ 97,400 | $ 31,000 |
| Kidder, North Dakota | 5 | $ 345,000 | $ 69,000 | $ 57,000 |
| Hettinger, North Dakota | 4 | $ 149,000 | $ 37,250 | $ 45,000 |
| Adams, North Dakota | 3 | $ 125,000 | $ 41,666 | $ 40,000 |
| Emmons, North Dakota | 3 | $ 138,000 | $ 46,000 | $ 36,000 |
| Golden Valley, North Dakota | 2 | $ 156,000 | $ 78,000 | $ 51,000 |
| Logan, North Dakota | 2 | $ 235,000 | $ 117,500 | $ 127,000 |
| McIntosh, North Dakota | 2 | $ 126,000 | $ 63,000 | $ 49,000 |
| Oliver, North Dakota | 2 | $ 85,000 | $ 42,500 | $ 61,000 |
| Ward, North Dakota | 2 | $ 203,000 | $ 101,500 | $ 46,000 |
| Corson, South Dakota | 2 | $ 132,000 | $ 66,000 | $ 51,000 |
| Lawrence, South Dakota | 2 | $ 187,000 | $ 93,500 | $ 85,000 |
| Perkins, South Dakota | 2 | $ 180,000 | $ 90,000 | $ 62,000 |
| Maricopa, Arizona | 1 | $ 319,000 | $ 319,000 | $ 345,000 |
| Pima, Arizona | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Allen, Indiana | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Becker, Minnesota | 1 | $ 314,000 | $ 314,000 | $ 276,000 |
| Fallon, Montana | 1 | $ 141,000 | $ 141,000 | $ 73,000 |
| Dawes, Nebraska | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Clark, Nevada | 1 | $ 1,645,000 | $ 1,645,000 | $ 0 |
| McHenry, North Dakota | 1 | $ 26,000 | $ 26,000 | $ 15,000 |
| Sioux, North Dakota | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Slope, North Dakota | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Steele, North Dakota | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Stutsman, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Williams, North Dakota | 1 | $ 113,000 | $ 113,000 | $ 72,000 |
| Yamhill, Oregon | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Butte, South Dakota | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| Hughes, South Dakota | 1 | $ 159,000 | $ 159,000 | $ 53,000 |
| Pennington, South Dakota | 1 | $ 202,000 | $ 202,000 | $ 49,000 |
| King, Washington | 1 | $ 41,000 | $ 41,000 | $ 85,000 |
| Thurston, Washington | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 715 | $72,204,000 | $338,000 | $1,645,000 | $66,714 | $610,000 |
| Refinancing | 254 | $22,116,000 | $118,428 | $335,000 | $81,000 | $410,000 |
| Home Improvement | 65 | $2,021,000 | $31,000 | $244,000 | $45,000 | $132,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 969 | $90,485,000 | $131,500 | $640,000 | $84,800 | $610,000 |
| Not Provided | 19 | $868,000 | $43,000 | $275,000 | $67,500 | $410,000 |
| American Indian or Alaskan Native | 17 | $1,076,000 | $63,000 | $182,000 | $54,333 | $130,000 |
| Not applicable | 14 | $2,817,000 | $867,500 | $1,645,000 | $0 | $0 |
| Hispanic | 8 | $595,000 | $55,000 | $195,000 | $50,000 | $74,000 |
| Asian | 3 | $316,000 | $105,000 | $152,000 | $59,000 | $70,000 |
| Black or African American | 3 | $37,000 | $12,000 | $15,000 | $27,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $147,000 | $147,000 | $147,000 | $57,000 | $57,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 782 | $70,410,000 | $277,700 | $1,645,000 | $84,800 | $610,000 |
| FHA-insured (Federal Housing Administration) | 148 | $14,632,000 | $75,000 | $179,000 | $49,666 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $6,312,000 | $103,000 | $176,000 | $38,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 43 | $4,987,000 | $107,000 | $216,000 | $41,333 | $101,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 825 | $82,075,000 | $337,750 | $1,645,000 | $88,500 | $610,000 |
| Application Denied By Financial Institution | 109 | $6,292,000 | $53,800 | $640,000 | $51,600 | $99,000 |
| Application Withdrawn By Applicant | 93 | $7,734,000 | $96,000 | $292,000 | $51,000 | $250,000 |
| Application Approved But Not Accepted | 6 | $173,000 | $28,000 | $85,000 | $44,000 | $65,000 |
| Loan Purchased By The Institution | 1 | $67,000 | $67,000 | $67,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 63 | $3,217,000 | $54,500 | $266,000 | $61,750 | $99,000 |
| Collateral | 14 | $715,000 | $73,500 | $145,000 | $49,500 | $67,000 |
| Debt-To-Income Ratio | 12 | $671,000 | $75,500 | $122,000 | $34,500 | $64,000 |
| Other | 8 | $1,085,000 | $135,000 | $640,000 | $32,000 | $45,000 |
| Employment History | 6 | $309,000 | $36,500 | $143,000 | $39,500 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $295,000 | $49,000 | $103,000 | $27,000 | $51,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Dakota Community Bank & Trust, NA's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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