Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2012
In 2012, Dakota Community Bank & Trust, NA of Hebron, ND reported 1,140 mortgage applications totaling $195.1 million, up 5% from 2011. The average application was for $171,167, and applicants reported an average income of $78,042. 81% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Bismarck, ND (642), Fargo, ND-MN (6) and Phoenix-Mesa-Glendale, AZ (6) (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 | 1,140 |
| Total Mortgage Loan Application Amount | $195,131,000 |
| Average Mortgage Loan Application Amount | $171,167 |
| Highest Mortgage Loan Application Amount | $2,916,000 |
| Average Applicant Income | $78,042 |
| Highest Applicant Income | $1,075,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 426 | $ 72,502,000 | $ 170,192 | $ 75,000 |
| Stark, North Dakota | 373 | $ 70,979,000 | $ 190,292 | $ 80,000 |
| Morton, North Dakota | 216 | $ 30,786,000 | $ 142,527 | $ 70,000 |
| Bowman, North Dakota | 21 | $ 2,291,000 | $ 109,095 | $ 113,000 |
| Grant, North Dakota | 18 | $ 1,565,000 | $ 86,944 | $ 36,000 |
| Hettinger, North Dakota | 9 | $ 911,000 | $ 101,222 | $ 38,000 |
| Mercer, North Dakota | 9 | $ 1,012,000 | $ 112,444 | $ 102,000 |
| Dunn, North Dakota | 7 | $ 965,000 | $ 137,857 | $ 84,000 |
| McLean, North Dakota | 7 | $ 942,000 | $ 134,571 | $ 72,000 |
| Cass, North Dakota | 6 | $ 789,000 | $ 131,500 | $ 46,000 |
| Kidder, North Dakota | 6 | $ 674,000 | $ 112,333 | $ 49,000 |
| Sioux, North Dakota | 5 | $ 802,000 | $ 160,400 | $ 34,000 |
| Maricopa, Arizona | 4 | $ 1,031,000 | $ 257,750 | $ 358,000 |
| Williams, North Dakota | 4 | $ 2,310,000 | $ 577,500 | $ 60,000 |
| Pinal, Arizona | 2 | $ 343,000 | $ 171,500 | $ 80,000 |
| Otter Tail, Minnesota | 2 | $ 569,000 | $ 284,500 | $ 283,000 |
| Adams, North Dakota | 2 | $ 220,000 | $ 110,000 | $ 58,000 |
| Emmons, North Dakota | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Golden Valley, North Dakota | 2 | $ 624,000 | $ 312,000 | $ 119,000 |
| McIntosh, North Dakota | 2 | $ 174,000 | $ 87,000 | $ 38,000 |
| Oliver, North Dakota | 2 | $ 204,000 | $ 102,000 | $ 65,000 |
| Stutsman, North Dakota | 2 | $ 240,000 | $ 120,000 | $ 69,000 |
| Ward, North Dakota | 2 | $ 209,000 | $ 104,500 | $ 27,000 |
| Charlotte, Florida | 1 | $ 250,000 | $ 250,000 | $ 342,000 |
| Hennepin, Minnesota | 1 | $ 254,000 | $ 254,000 | $ 117,000 |
| Custer, Montana | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Grand Forks, North Dakota | 1 | $ 182,000 | $ 182,000 | $ 108,000 |
| Logan, North Dakota | 1 | $ 418,000 | $ 418,000 | $ 0 |
| McKenzie, North Dakota | 1 | $ 258,000 | $ 258,000 | $ 73,000 |
| Sheridan, North Dakota | 1 | $ 44,000 | $ 44,000 | $ 21,000 |
| Corson, South Dakota | 1 | $ 220,000 | $ 220,000 | $ 496,000 |
| Perkins, South Dakota | 1 | $ 2,916,000 | $ 2,916,000 | $ 880,000 |
| Sawyer, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2012
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 | 703 | $125,231,000 | $178,000 | $1,750,000 | $76,000 | $1,075,000 |
| Refinancing | 394 | $66,685,000 | $169,000 | $2,916,000 | $83,000 | $880,000 |
| Home Improvement | 43 | $3,215,000 | $74,000 | $305,000 | $66,000 | $187,000 |
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 | 1,045 | $177,426,000 | $169,000 | $2,916,000 | $81,000 | $1,075,000 |
| Not applicable | 48 | $9,494,000 | $197,000 | $1,750,000 | $0 | $0 |
| Not Provided | 20 | $3,486,000 | $174,000 | $402,000 | $104,000 | $371,000 |
| American Indian or Alaskan Native | 10 | $1,977,000 | $197,000 | $248,000 | $82,000 | $264,000 |
| Asian | 7 | $1,151,000 | $164,000 | $383,000 | $107,000 | $262,000 |
| Black or African American | 5 | $835,000 | $167,000 | $263,000 | $43,000 | $56,000 |
| Hispanic | 4 | $537,000 | $134,000 | $280,000 | $56,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $85,000 | $85,000 |
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) | 695 | $116,094,000 | $167,000 | $2,916,000 | $87,000 | $1,075,000 |
| FHA-insured (Federal Housing Administration) | 237 | $41,025,000 | $173,000 | $310,000 | $68,000 | $246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 116 | $18,783,000 | $161,000 | $341,000 | $49,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 92 | $19,229,000 | $209,000 | $450,000 | $75,000 | $563,000 |
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 | 923 | $159,682,000 | $173,000 | $2,916,000 | $77,000 | $1,075,000 |
| Application Denied By Financial Institution | 122 | $19,279,000 | $158,000 | $450,000 | $81,000 | $947,000 |
| Application Approved But Not Accepted | 90 | $15,263,000 | $169,000 | $394,000 | $83,000 | $371,000 |
| Application Withdrawn By Applicant | 3 | $577,000 | $192,000 | $240,000 | $113,000 | $143,000 |
| File Closed For Incompleteness | 1 | $204,000 | $204,000 | $204,000 | $43,000 | $43,000 |
| Loan Purchased By The Institution | 1 | $126,000 | $126,000 | $126,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 46 | $7,887,000 | $171,000 | $450,000 | $114,000 | $947,000 |
| Debt-To-Income Ratio | 30 | $4,676,000 | $155,000 | $300,000 | $47,000 | $147,000 |
| Credit History | 24 | $2,828,000 | $117,000 | $341,000 | $57,000 | $128,000 |
| Other | 14 | $2,410,000 | $172,000 | $417,000 | $88,000 | $349,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $868,000 | $173,000 | $418,000 | $85,000 | $160,000 |
| Employment History | 2 | $413,000 | $206,000 | $258,000 | $64,000 | $73,000 |
| Mortgage Insurance Denied | 1 | $197,000 | $197,000 | $197,000 | $76,000 | $76,000 |
| 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 2012 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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