Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2025
In 2025, Dakota Community Bank & Trust, NA of Hebron, ND reported 372 mortgage applications totaling $103.6 million, down 6% from 2024. The average application was for $278,521, and applicants reported an average income of $130,029. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Bismarck, ND (180), Phoenix-Mesa-Scottsdale, AZ (6) and Fargo, 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 | 372 |
| Total Mortgage Loan Application Amount | $103,610,000 |
| Average Mortgage Loan Application Amount | $278,521 |
| Highest Mortgage Loan Application Amount | $7,095,000 |
| Average Applicant Income | $130,029 |
| Highest Applicant Income | $677,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bismarck, ND | 180 | $ 44,590,000 | $ 247,722 | $ 122,000 |
| Outside any metro area | 173 | $ 53,375,000 | $ 308,526 | $ 136,028 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 1,900,000 | $ 316,666 | $ 149,000 |
| Fargo, ND-MN | 2 | $ 540,000 | $ 270,000 | $ 70,000 |
| Grand Forks, ND-MN | 2 | $ 410,000 | $ 205,000 | $ 144,000 |
| Minot, ND | 2 | $ 510,000 | $ 255,000 | $ 212,000 |
| Cincinnati, OH-KY-IN | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Helena, MT | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Lakeland-Winter Haven, FL | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 105,000 | $ 105,000 | $ 215,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 605,000 | $ 605,000 | $ 239,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 395,000 | $ 395,000 | $ 119,000 |
| Tampa, FL | 1 | $ 295,000 | $ 295,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2025
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 | 275 | $85,835,000 | $312,000 | $7,095,000 | $123,000 | $677,000 |
| Refinancing | 43 | $10,035,000 | $233,000 | $555,000 | $161,000 | $357,000 |
| Other Purpose | 23 | $2,225,000 | $96,000 | $445,000 | $128,000 | $389,000 |
| Home Improvement | 19 | $2,185,000 | $115,000 | $505,000 | $137,000 | $338,000 |
| Cash-out Refinancing | 12 | $3,330,000 | $277,000 | $665,000 | $173,000 | $412,000 |
| 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 | 290 | $74,200,000 | $255,000 | $735,000 | $127,000 | $412,000 |
| Not applicable | 32 | $16,680,000 | $521,000 | $7,095,000 | $0 | $0 |
| Not Provided | 30 | $7,500,000 | $250,000 | $1,205,000 | $164,000 | $677,000 |
| Hispanic | 12 | $3,220,000 | $268,000 | $555,000 | $144,000 | $441,000 |
| American Indian or Alaskan Native | 4 | $1,410,000 | $352,000 | $605,000 | $144,000 | $255,000 |
| Asian | 2 | $350,000 | $175,000 | $245,000 | $49,000 | $62,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $73,000 | $73,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $24,000 | $24,000 |
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) | 308 | $85,540,000 | $277,000 | $7,095,000 | $137,000 | $677,000 |
| FHA-insured (Federal Housing Administration) | 45 | $12,225,000 | $271,000 | $535,000 | $94,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 10 | $3,790,000 | $379,000 | $645,000 | $123,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,055,000 | $228,000 | $305,000 | $80,000 | $106,000 |
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 | 295 | $83,395,000 | $282,000 | $7,095,000 | $131,000 | $677,000 |
| Application Withdrawn By Applicant | 57 | $15,285,000 | $268,000 | $605,000 | $122,000 | $330,000 |
| Application Denied By Financial Institution | 16 | $4,080,000 | $255,000 | $1,205,000 | $147,000 | $307,000 |
| Application Approved But Not Accepted | 4 | $850,000 | $212,000 | $355,000 | $76,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 356 | $99,530,000 | $279,000 | $7,095,000 | $128,000 | $677,000 |
| Debt-To-Income Ratio | 7 | $1,855,000 | $265,000 | $535,000 | $174,000 | $307,000 |
| Collateral | 5 | $1,655,000 | $331,000 | $1,205,000 | $150,000 | $252,000 |
| Credit History | 3 | $505,000 | $168,000 | $395,000 | $113,000 | $152,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $44,000 | $44,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2025 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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