Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2014
In 2014, Dakota Community Bank & Trust, NA of Hebron, ND reported 736 mortgage applications totaling $151.0 million, down 17% from 2013. The average application was for $205,116, and applicants reported an average income of $84,989. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Bismarck, ND (424), Fargo, ND-MN (6) and Phoenix-Mesa-Scottsdale, 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 | 736 |
| Total Mortgage Loan Application Amount | $150,966,000 |
| Average Mortgage Loan Application Amount | $205,116 |
| Highest Mortgage Loan Application Amount | $7,046,000 |
| Average Applicant Income | $84,989 |
| Highest Applicant Income | $1,030,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 272 | $ 58,823,000 | $ 216,261 | $ 86,000 |
| Stark, North Dakota | 229 | $ 56,211,000 | $ 245,462 | $ 93,000 |
| Morton, North Dakota | 149 | $ 23,844,000 | $ 160,026 | $ 74,000 |
| Bowman, North Dakota | 12 | $ 1,159,000 | $ 96,583 | $ 64,000 |
| Hettinger, North Dakota | 9 | $ 831,000 | $ 92,333 | $ 55,000 |
| Dunn, North Dakota | 8 | $ 1,458,000 | $ 182,250 | $ 77,000 |
| Grant, North Dakota | 7 | $ 507,000 | $ 72,428 | $ 82,000 |
| Cass, North Dakota | 6 | $ 709,000 | $ 118,166 | $ 43,000 |
| McLean, North Dakota | 6 | $ 784,000 | $ 130,666 | $ 66,000 |
| Pinal, Arizona | 4 | $ 562,000 | $ 140,500 | $ 139,000 |
| Emmons, North Dakota | 3 | $ 179,000 | $ 59,666 | $ 71,000 |
| Kidder, North Dakota | 3 | $ 416,000 | $ 138,666 | $ 31,000 |
| Maricopa, Arizona | 2 | $ 465,000 | $ 232,500 | $ 198,000 |
| McKenzie, North Dakota | 2 | $ 528,000 | $ 264,000 | $ 74,000 |
| Mercer, North Dakota | 2 | $ 543,000 | $ 271,500 | $ 153,000 |
| Oliver, North Dakota | 2 | $ 313,000 | $ 156,500 | $ 101,000 |
| Ward, North Dakota | 2 | $ 261,000 | $ 130,500 | $ 132,000 |
| Wells, North Dakota | 2 | $ 108,000 | $ 54,000 | $ 57,000 |
| Williams, North Dakota | 2 | $ 433,000 | $ 216,500 | $ 44,000 |
| Campbell, South Dakota | 2 | $ 140,000 | $ 70,000 | $ 106,000 |
| Arapahoe, Colorado | 1 | $ 190,000 | $ 190,000 | $ 470,000 |
| Yellowstone, Montana | 1 | $ 144,000 | $ 144,000 | $ 50,000 |
| Adams, North Dakota | 1 | $ 36,000 | $ 36,000 | $ 23,000 |
| Barnes, North Dakota | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Billings, North Dakota | 1 | $ 157,000 | $ 157,000 | $ 122,000 |
| Golden Valley, North Dakota | 1 | $ 54,000 | $ 54,000 | $ 51,000 |
| Grand Forks, North Dakota | 1 | $ 133,000 | $ 133,000 | $ 0 |
| McIntosh, North Dakota | 1 | $ 63,000 | $ 63,000 | $ 41,000 |
| Sioux, North Dakota | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Stutsman, North Dakota | 1 | $ 226,000 | $ 226,000 | $ 137,000 |
| Fall River, South Dakota | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Lawrence, South Dakota | 1 | $ 324,000 | $ 324,000 | $ 165,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2014
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 | 514 | $112,786,000 | $219,000 | $7,046,000 | $87,000 | $1,030,000 |
| Refinancing | 185 | $36,158,000 | $195,000 | $1,851,000 | $81,000 | $823,000 |
| Home Improvement | 37 | $2,022,000 | $54,000 | $162,000 | $77,000 | $248,000 |
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 | 685 | $127,853,000 | $186,000 | $1,275,000 | $88,000 | $1,030,000 |
| Not applicable | 25 | $17,990,000 | $719,000 | $7,046,000 | $0 | $0 |
| Not Provided | 8 | $2,012,000 | $251,000 | $465,000 | $96,000 | $227,000 |
| Hispanic | 6 | $1,095,000 | $182,000 | $235,000 | $76,000 | $120,000 |
| American Indian or Alaskan Native | 5 | $697,000 | $139,000 | $265,000 | $71,000 | $199,000 |
| Asian | 3 | $659,000 | $219,000 | $241,000 | $216,000 | $469,000 |
| Black or African American | 3 | $540,000 | $180,000 | $206,000 | $68,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $49,000 | $49,000 |
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) | 525 | $108,012,000 | $205,000 | $7,046,000 | $88,000 | $930,000 |
| FHA-insured (Federal Housing Administration) | 104 | $20,723,000 | $199,000 | $278,000 | $86,000 | $1,030,000 |
| VA-guaranteed (Veterans Administration) | 55 | $13,762,000 | $250,000 | $541,000 | $78,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $8,469,000 | $162,000 | $319,000 | $58,000 | $99,000 |
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 | 587 | $124,157,000 | $211,000 | $7,046,000 | $86,000 | $1,030,000 |
| Application Approved But Not Accepted | 77 | $15,217,000 | $197,000 | $919,000 | $97,000 | $930,000 |
| Application Denied By Financial Institution | 72 | $11,592,000 | $161,000 | $535,000 | $68,000 | $200,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 24 | $3,963,000 | $165,000 | $312,000 | $51,000 | $113,000 |
| Collateral | 22 | $3,576,000 | $162,000 | $535,000 | $87,000 | $200,000 |
| Credit History | 16 | $2,585,000 | $161,000 | $350,000 | $65,000 | $173,000 |
| Other | 4 | $737,000 | $184,000 | $465,000 | $126,000 | $151,000 |
| Employment History | 3 | $141,000 | $47,000 | $100,000 | $16,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $530,000 | $265,000 | $270,000 | $84,000 | $97,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $16,000 | $16,000 |
| 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 2014 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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