Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2017
In 2017, Dakota Community Bank & Trust, NA of Hebron, ND reported 512 mortgage applications totaling $115.0 million, down 18% from 2016. The average application was for $224,623, and applicants reported an average income of $85,351. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Bismarck, ND (313), Phoenix-Mesa-Scottsdale, AZ (6) and Grand Forks, ND-MN (2) (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 | 512 |
| Total Mortgage Loan Application Amount | $115,007,000 |
| Average Mortgage Loan Application Amount | $224,623 |
| Highest Mortgage Loan Application Amount | $7,665,000 |
| Average Applicant Income | $85,351 |
| Highest Applicant Income | $1,402,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 196 | $ 45,197,000 | $ 230,596 | $ 86,000 |
| Stark, North Dakota | 133 | $ 27,634,000 | $ 207,774 | $ 91,000 |
| Morton, North Dakota | 112 | $ 20,508,000 | $ 183,107 | $ 74,000 |
| Bowman, North Dakota | 11 | $ 1,573,000 | $ 143,000 | $ 65,000 |
| Hettinger, North Dakota | 8 | $ 1,547,000 | $ 193,375 | $ 68,000 |
| Dunn, North Dakota | 6 | $ 1,232,000 | $ 205,333 | $ 117,000 |
| Kidder, North Dakota | 6 | $ 1,408,000 | $ 234,666 | $ 90,000 |
| Emmons, North Dakota | 4 | $ 1,109,000 | $ 277,250 | $ 43,000 |
| Grant, North Dakota | 4 | $ 1,737,000 | $ 434,250 | $ 32,000 |
| Mercer, North Dakota | 4 | $ 680,000 | $ 170,000 | $ 85,000 |
| Oliver, North Dakota | 4 | $ 843,000 | $ 210,750 | $ 93,000 |
| Maricopa, Arizona | 3 | $ 544,000 | $ 181,333 | $ 174,000 |
| Pinal, Arizona | 3 | $ 629,000 | $ 209,666 | $ 142,000 |
| McLean, North Dakota | 3 | $ 487,000 | $ 162,333 | $ 133,000 |
| Grand Forks, North Dakota | 2 | $ 385,000 | $ 192,500 | $ 106,000 |
| Sheridan, North Dakota | 2 | $ 168,000 | $ 84,000 | $ 6,000 |
| Olmsted, Minnesota | 1 | $ 136,000 | $ 136,000 | $ 86,000 |
| Otter Tail, Minnesota | 1 | $ 127,000 | $ 127,000 | $ 233,000 |
| Lancaster, Nebraska | 1 | $ 258,000 | $ 258,000 | $ 152,000 |
| Lyon, Nevada | 1 | $ 1,000 | $ 1,000 | $ 0 |
| McDowell, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Billings, North Dakota | 1 | $ 421,000 | $ 421,000 | $ 102,000 |
| Cass, North Dakota | 1 | $ 104,000 | $ 104,000 | $ 208,000 |
| Logan, North Dakota | 1 | $ 174,000 | $ 174,000 | $ 58,000 |
| Sioux, North Dakota | 1 | $ 7,665,000 | $ 7,665,000 | $ 0 |
| Stutsman, North Dakota | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Lawrence, South Dakota | 1 | $ 358,000 | $ 358,000 | $ 473,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2017
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 | 332 | $70,775,000 | $213,000 | $940,000 | $90,000 | $1,402,000 |
| Refinancing | 160 | $43,445,000 | $271,000 | $7,665,000 | $74,000 | $338,000 |
| Home Improvement | 20 | $787,000 | $39,000 | $102,000 | $99,000 | $284,000 |
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 | 464 | $103,350,000 | $222,000 | $7,665,000 | $90,000 | $1,402,000 |
| Not applicable | 22 | $6,975,000 | $317,000 | $2,389,000 | $0 | $0 |
| Not Provided | 15 | $2,256,000 | $150,000 | $312,000 | $66,000 | $160,000 |
| American Indian or Alaskan Native | 5 | $1,313,000 | $262,000 | $392,000 | $124,000 | $273,000 |
| Hispanic | 3 | $467,000 | $155,000 | $177,000 | $53,000 | $73,000 |
| Black or African American | 2 | $482,000 | $241,000 | $270,000 | $93,000 | $105,000 |
| Asian | 1 | $164,000 | $164,000 | $164,000 | $72,000 | $72,000 |
| Native Hawaiian 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) | 349 | $81,893,000 | $234,000 | $7,665,000 | $90,000 | $1,402,000 |
| FHA-insured (Federal Housing Administration) | 96 | $18,026,000 | $187,000 | $285,000 | $74,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 36 | $9,555,000 | $265,000 | $438,000 | $98,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $5,533,000 | $178,000 | $282,000 | $54,000 | $93,000 |
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 | 414 | $95,675,000 | $231,000 | $7,665,000 | $84,000 | $1,402,000 |
| Application Approved But Not Accepted | 54 | $11,950,000 | $221,000 | $630,000 | $109,000 | $300,000 |
| Application Denied By Financial Institution | 44 | $7,382,000 | $167,000 | $487,000 | $64,000 | $150,000 |
| 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 | 18 | $4,023,000 | $223,000 | $487,000 | $70,000 | $150,000 |
| Collateral | 15 | $1,864,000 | $124,000 | $420,000 | $61,000 | $138,000 |
| Credit Application Incomplete | 4 | $747,000 | $186,000 | $336,000 | $49,000 | $109,000 |
| Credit History | 2 | $145,000 | $72,000 | $140,000 | $51,000 | $56,000 |
| Other | 2 | $134,000 | $67,000 | $95,000 | $73,000 | $88,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $200,000 | $36,000 | $73,000 |
| Mortgage Insurance Denied | 1 | $149,000 | $149,000 | $149,000 | $122,000 | $122,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2017 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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