Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2024
In 2024, Dakota Community Bank & Trust, NA of Hebron, ND reported 394 mortgage applications totaling $100.8 million, up 18% from 2023. The average application was for $255,837, and applicants reported an average income of $120,144. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Bismarck, ND (197), Cincinnati, OH-KY-IN (3) and Minot, ND (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 | 394 |
| Total Mortgage Loan Application Amount | $100,800,000 |
| Average Mortgage Loan Application Amount | $255,837 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $120,144 |
| Highest Applicant Income | $1,010,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 137 | $ 36,835,000 | $ 268,868 | $ 114,000 |
| Stark, North Dakota | 130 | $ 33,460,000 | $ 257,384 | $ 127,000 |
| Morton, North Dakota | 60 | $ 14,500,000 | $ 241,666 | $ 129,000 |
| Dunn, North Dakota | 7 | $ 975,000 | $ 139,285 | $ 124,000 |
| Bowman, North Dakota | 5 | $ 815,000 | $ 163,000 | $ 90,000 |
| McLean, North Dakota | 5 | $ 1,195,000 | $ 239,000 | $ 96,000 |
| Mercer, North Dakota | 5 | $ 1,205,000 | $ 241,000 | $ 111,000 |
| Billings, North Dakota | 3 | $ 1,355,000 | $ 451,666 | $ 116,000 |
| Grant, North Dakota | 3 | $ 85,000 | $ 28,333 | $ 51,000 |
| Warren, Ohio | 3 | $ 1,125,000 | $ 375,000 | $ 206,000 |
| Lawrence, South Dakota | 3 | $ 1,315,000 | $ 438,333 | $ 95,000 |
| Walworth, South Dakota | 3 | $ 1,155,000 | $ 385,000 | $ 160,000 |
| Otter Tail, Minnesota | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Hettinger, North Dakota | 2 | $ 40,000 | $ 20,000 | $ 51,000 |
| Kidder, North Dakota | 2 | $ 820,000 | $ 410,000 | $ 121,000 |
| McIntosh, North Dakota | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| McKenzie, North Dakota | 2 | $ 690,000 | $ 345,000 | $ 102,000 |
| Ward, North Dakota | 2 | $ 310,000 | $ 155,000 | $ 104,000 |
| Williams, North Dakota | 2 | $ 430,000 | $ 215,000 | $ 115,000 |
| Pinal, Arizona | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Marion, Florida | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Putnam, Florida | 1 | $ 165,000 | $ 165,000 | $ 87,000 |
| Dubois, Indiana | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Mille Lacs, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Rock, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 220,000 |
| Gallatin, Montana | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Clark, Nevada | 1 | $ 305,000 | $ 305,000 | $ 357,000 |
| Adams, North Dakota | 1 | $ 165,000 | $ 165,000 | $ 169,000 |
| Barnes, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bottineau, North Dakota | 1 | $ 605,000 | $ 605,000 | $ 37,000 |
| Cass, North Dakota | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Divide, North Dakota | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Emmons, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| Wells, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Campbell, South Dakota | 1 | $ 55,000 | $ 55,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2024
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 | 306 | $88,680,000 | $289,000 | $1,205,000 | $119,000 | $1,010,000 |
| Cash-out Refinancing | 26 | $5,690,000 | $218,000 | $685,000 | $121,000 | $580,000 |
| Other Purpose | 26 | $1,400,000 | $53,000 | $125,000 | $133,000 | $388,000 |
| Home Improvement | 19 | $1,535,000 | $80,000 | $225,000 | $94,000 | $214,000 |
| Refinancing | 17 | $3,495,000 | $205,000 | $775,000 | $149,000 | $644,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 318 | $80,840,000 | $254,000 | $835,000 | $120,000 | $644,000 |
| Not Provided | 38 | $9,190,000 | $241,000 | $1,205,000 | $110,000 | $388,000 |
| Not applicable | 23 | $7,585,000 | $329,000 | $1,125,000 | $0 | $0 |
| Hispanic | 10 | $1,650,000 | $165,000 | $265,000 | $67,000 | $101,000 |
| Asian | 3 | $995,000 | $331,000 | $475,000 | $96,000 | $140,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $78,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $335,000 | $335,000 | $335,000 | $1,010,000 | $1,010,000 |
| 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) | 306 | $75,260,000 | $245,000 | $1,205,000 | $127,000 | $1,010,000 |
| FHA-insured (Federal Housing Administration) | 53 | $14,115,000 | $266,000 | $415,000 | $99,000 | $357,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $4,640,000 | $257,000 | $435,000 | $84,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 17 | $6,785,000 | $399,000 | $705,000 | $125,000 | $218,000 |
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 | 310 | $81,290,000 | $262,000 | $1,125,000 | $123,000 | $1,010,000 |
| Application Withdrawn By Applicant | 59 | $14,915,000 | $252,000 | $1,205,000 | $116,000 | $419,000 |
| Application Denied By Financial Institution | 24 | $4,390,000 | $182,000 | $575,000 | $94,000 | $199,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $65,000 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 370 | $96,410,000 | $260,000 | $1,205,000 | $122,000 | $1,010,000 |
| Debt-To-Income Ratio | 12 | $3,040,000 | $253,000 | $575,000 | $90,000 | $152,000 |
| Credit History | 8 | $980,000 | $122,000 | $395,000 | $102,000 | $178,000 |
| Other | 2 | $70,000 | $35,000 | $45,000 | $50,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $60,000 | $60,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $199,000 | $199,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $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 2024 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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