Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2016
In 2016, Dakota Community Bank & Trust, NA of Hebron, ND reported 621 mortgage applications totaling $142.5 million, down 21% from 2015. The average application was for $229,426, and applicants reported an average income of $100,827. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Bismarck, ND (375), Fargo, ND-MN (10) and Phoenix-Mesa-Scottsdale, AZ (4) (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 | 621 |
| Total Mortgage Loan Application Amount | $142,474,000 |
| Average Mortgage Loan Application Amount | $229,426 |
| Highest Mortgage Loan Application Amount | $3,186,000 |
| Average Applicant Income | $100,827 |
| Highest Applicant Income | $2,922,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 258 | $ 52,471,000 | $ 203,375 | $ 86,000 |
| Stark, North Dakota | 142 | $ 33,290,000 | $ 234,436 | $ 100,000 |
| Morton, North Dakota | 113 | $ 25,486,000 | $ 225,539 | $ 85,000 |
| Cass, North Dakota | 10 | $ 1,256,000 | $ 125,600 | $ 178,000 |
| Grant, North Dakota | 10 | $ 2,808,000 | $ 280,800 | $ 37,000 |
| Bowman, North Dakota | 9 | $ 1,080,000 | $ 120,000 | $ 65,000 |
| Dunn, North Dakota | 9 | $ 1,981,000 | $ 220,111 | $ 126,000 |
| Carter, Montana | 7 | $ 5,820,000 | $ 831,428 | $ 0 |
| Emmons, North Dakota | 6 | $ 2,413,000 | $ 402,166 | $ 49,000 |
| Golden Valley, North Dakota | 5 | $ 770,000 | $ 154,000 | $ 70,000 |
| Kidder, North Dakota | 5 | $ 810,000 | $ 162,000 | $ 77,000 |
| Mercer, North Dakota | 5 | $ 1,261,000 | $ 252,200 | $ 112,000 |
| Hettinger, North Dakota | 4 | $ 330,000 | $ 82,500 | $ 58,000 |
| Logan, North Dakota | 4 | $ 885,000 | $ 221,250 | $ 46,000 |
| Pinal, Arizona | 3 | $ 358,000 | $ 119,333 | $ 79,000 |
| McLean, North Dakota | 3 | $ 389,000 | $ 129,666 | $ 90,000 |
| Sioux, North Dakota | 3 | $ 585,000 | $ 195,000 | $ 125,000 |
| Pinellas, Florida | 2 | $ 486,000 | $ 243,000 | $ 2,201,000 |
| Wabasha, Minnesota | 2 | $ 585,000 | $ 292,500 | $ 338,000 |
| Park, Montana | 2 | $ 778,000 | $ 389,000 | $ 898,000 |
| Adams, North Dakota | 2 | $ 290,000 | $ 145,000 | $ 121,000 |
| Ward, North Dakota | 2 | $ 436,000 | $ 218,000 | $ 115,000 |
| Corson, South Dakota | 2 | $ 5,192,000 | $ 2,596,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 109,000 | $ 109,000 | $ 127,000 |
| Eagle, Colorado | 1 | $ 255,000 | $ 255,000 | $ 335,000 |
| Custer, Montana | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Fallon, Montana | 1 | $ 27,000 | $ 27,000 | $ 113,000 |
| Fergus, Montana | 1 | $ 100,000 | $ 100,000 | $ 769,000 |
| Barnes, North Dakota | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Billings, North Dakota | 1 | $ 283,000 | $ 283,000 | $ 242,000 |
| Oliver, North Dakota | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Richland, North Dakota | 1 | $ 171,000 | $ 171,000 | $ 54,000 |
| Sheridan, North Dakota | 1 | $ 136,000 | $ 136,000 | $ 19,000 |
| Williams, North Dakota | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 181,000 | $ 181,000 | $ 401,000 |
| Campbell, South Dakota | 1 | $ 55,000 | $ 55,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2016
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 | 331 | $71,963,000 | $217,000 | $1,201,000 | $89,000 | $975,000 |
| Refinancing | 265 | $68,628,000 | $258,000 | $3,186,000 | $117,000 | $2,922,000 |
| Home Improvement | 25 | $1,883,000 | $75,000 | $302,000 | $86,000 | $307,000 |
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 | 555 | $118,013,000 | $212,000 | $1,577,000 | $106,000 | $2,922,000 |
| Not applicable | 28 | $17,032,000 | $608,000 | $3,186,000 | $0 | $0 |
| Not Provided | 18 | $3,578,000 | $198,000 | $351,000 | $71,000 | $145,000 |
| Hispanic | 9 | $1,923,000 | $213,000 | $285,000 | $71,000 | $102,000 |
| Asian | 7 | $1,408,000 | $201,000 | $396,000 | $196,000 | $405,000 |
| Black or African American | 3 | $440,000 | $146,000 | $174,000 | $63,000 | $105,000 |
| American Indian or Alaskan Native | 1 | $80,000 | $80,000 | $80,000 | $85,000 | $85,000 |
| Native Hawaiin or Other Pacific Islander | 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) | 438 | $103,385,000 | $236,000 | $3,186,000 | $114,000 | $2,922,000 |
| FHA-insured (Federal Housing Administration) | 100 | $19,950,000 | $199,000 | $303,000 | $67,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 54 | $14,001,000 | $259,000 | $501,000 | $73,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $5,138,000 | $177,000 | $288,000 | $59,000 | $94,000 |
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 | 516 | $120,914,000 | $234,000 | $3,186,000 | $92,000 | $1,481,000 |
| Application Approved But Not Accepted | 54 | $11,891,000 | $220,000 | $940,000 | $164,000 | $2,922,000 |
| Application Denied By Financial Institution | 49 | $9,635,000 | $196,000 | $605,000 | $118,000 | $1,083,000 |
| Application Withdrawn By Applicant | 2 | $34,000 | $17,000 | $33,000 | $88,000 | $94,000 |
| 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 | 25 | $5,316,000 | $212,000 | $500,000 | $95,000 | $975,000 |
| Collateral | 12 | $2,664,000 | $222,000 | $605,000 | $143,000 | $570,000 |
| Credit History | 8 | $1,115,000 | $139,000 | $351,000 | $71,000 | $126,000 |
| Other | 2 | $502,000 | $251,000 | $390,000 | $541,000 | $1,083,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $37,000 | $37,000 | $37,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 1 | $1,000 | $1,000 | $1,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2016 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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