Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2010
In 2010, Dakota Community Bank & Trust, NA of Hebron, ND reported 1,220 mortgage applications totaling $167.1 million, up 4% from 2009. The average application was for $136,968, and applicants reported an average income of $64,826. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Bismarck, ND (745), Fargo, ND-MN (8) and Grand Forks, ND-MN (3) (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 | 1,220 |
| Total Mortgage Loan Application Amount | $167,102,000 |
| Average Mortgage Loan Application Amount | $136,968 |
| Highest Mortgage Loan Application Amount | $1,131,000 |
| Average Applicant Income | $64,826 |
| Highest Applicant Income | $666,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 524 | $ 75,504,000 | $ 144,091 | $ 65,000 |
| Stark, North Dakota | 308 | $ 42,629,000 | $ 138,405 | $ 67,000 |
| Morton, North Dakota | 221 | $ 26,506,000 | $ 119,936 | $ 51,000 |
| Bowman, North Dakota | 23 | $ 2,978,000 | $ 129,478 | $ 82,000 |
| Dunn, North Dakota | 23 | $ 2,431,000 | $ 105,695 | $ 70,000 |
| McLean, North Dakota | 15 | $ 1,731,000 | $ 115,400 | $ 101,000 |
| Grant, North Dakota | 13 | $ 663,000 | $ 51,000 | $ 51,000 |
| Mercer, North Dakota | 11 | $ 942,000 | $ 85,636 | $ 101,000 |
| Hettinger, North Dakota | 9 | $ 601,000 | $ 66,777 | $ 40,000 |
| Cass, North Dakota | 8 | $ 1,072,000 | $ 134,000 | $ 75,000 |
| Emmons, North Dakota | 7 | $ 2,036,000 | $ 290,857 | $ 32,000 |
| Adams, North Dakota | 6 | $ 588,000 | $ 98,000 | $ 56,000 |
| Slope, North Dakota | 5 | $ 729,000 | $ 145,800 | $ 66,000 |
| Billings, North Dakota | 4 | $ 1,703,000 | $ 425,750 | $ 146,000 |
| Sioux, North Dakota | 4 | $ 1,102,000 | $ 275,500 | $ 25,000 |
| Williams, North Dakota | 4 | $ 514,000 | $ 128,500 | $ 78,000 |
| Grand Forks, North Dakota | 3 | $ 376,000 | $ 125,333 | $ 94,000 |
| Kidder, North Dakota | 3 | $ 899,000 | $ 299,666 | $ 21,000 |
| Mountrail, North Dakota | 3 | $ 225,000 | $ 75,000 | $ 51,000 |
| Fallon, Montana | 2 | $ 191,000 | $ 95,500 | $ 120,000 |
| Golden Valley, North Dakota | 2 | $ 179,000 | $ 89,500 | $ 98,000 |
| Logan, North Dakota | 2 | $ 204,000 | $ 102,000 | $ 80,000 |
| Oliver, North Dakota | 2 | $ 171,000 | $ 85,500 | $ 38,000 |
| Sheridan, North Dakota | 2 | $ 56,000 | $ 28,000 | $ 61,000 |
| Stutsman, North Dakota | 2 | $ 306,000 | $ 153,000 | $ 52,000 |
| Maricopa, Arizona | 1 | $ 77,000 | $ 77,000 | $ 68,000 |
| Becker, Minnesota | 1 | $ 148,000 | $ 148,000 | $ 92,000 |
| Douglas, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Otter Tail, Minnesota | 1 | $ 360,000 | $ 360,000 | $ 623,000 |
| Prairie, Montana | 1 | $ 496,000 | $ 496,000 | $ 219,000 |
| LaMoure, North Dakota | 1 | $ 64,000 | $ 64,000 | $ 35,000 |
| McIntosh, North Dakota | 1 | $ 47,000 | $ 47,000 | $ 89,000 |
| Ward, North Dakota | 1 | $ 217,000 | $ 217,000 | $ 101,000 |
| Corson, South Dakota | 1 | $ 943,000 | $ 943,000 | $ 0 |
| Lawrence, South Dakota | 1 | $ 22,000 | $ 22,000 | $ 63,000 |
| Meade, South Dakota | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Walworth, South Dakota | 1 | $ 38,000 | $ 38,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2010
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 | 728 | $98,034,000 | $134,000 | $943,000 | $60,000 | $666,000 |
| Refinancing | 442 | $67,304,000 | $152,000 | $1,131,000 | $74,000 | $442,000 |
| Home Improvement | 50 | $1,764,000 | $35,000 | $172,000 | $54,000 | $220,000 |
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 | 1,120 | $154,013,000 | $137,000 | $1,131,000 | $67,000 | $666,000 |
| Not Provided | 40 | $4,724,000 | $118,000 | $317,000 | $66,000 | $216,000 |
| Not applicable | 35 | $5,074,000 | $144,000 | $600,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $2,000,000 | $142,000 | $253,000 | $66,000 | $127,000 |
| Hispanic | 9 | $1,078,000 | $119,000 | $192,000 | $43,000 | $74,000 |
| Black or African American | 2 | $213,000 | $106,000 | $167,000 | $44,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 701 | $90,844,000 | $129,000 | $1,131,000 | $69,000 | $666,000 |
| FHA-insured (Federal Housing Administration) | 345 | $51,261,000 | $148,000 | $277,000 | $62,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 116 | $14,962,000 | $128,000 | $300,000 | $46,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 58 | $10,035,000 | $173,000 | $371,000 | $62,000 | $154,000 |
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 | 963 | $138,050,000 | $143,000 | $1,131,000 | $66,000 | $623,000 |
| Application Denied By Financial Institution | 144 | $15,888,000 | $110,000 | $375,000 | $53,000 | $666,000 |
| Application Approved But Not Accepted | 84 | $10,366,000 | $123,000 | $335,000 | $67,000 | $442,000 |
| Application Withdrawn By Applicant | 29 | $2,798,000 | $96,000 | $245,000 | $57,000 | $180,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 49 | $5,531,000 | $112,000 | $375,000 | $56,000 | $666,000 |
| Credit History | 38 | $2,777,000 | $73,000 | $200,000 | $42,000 | $153,000 |
| Collateral | 34 | $4,925,000 | $144,000 | $300,000 | $67,000 | $150,000 |
| Employment History | 12 | $1,158,000 | $96,000 | $212,000 | $50,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $932,000 | $133,000 | $219,000 | $43,000 | $70,000 |
| Other | 3 | $229,000 | $76,000 | $134,000 | $56,000 | $96,000 |
| Unverifiable Information | 1 | $336,000 | $336,000 | $336,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2010 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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