Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2006
In 2006, Dakota Community Bank & Trust, NA of Hebron, ND reported 937 mortgage applications totaling $86.7 million, down 9% from 2005. The average application was for $92,518, and applicants reported an average income of $54,678. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Bismarck, ND (639), Des Moines-West Des Moines, IA (1) and Fort Worth-Arlington, TX (1) (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 | 937 |
| Total Mortgage Loan Application Amount | $86,690,000 |
| Average Mortgage Loan Application Amount | $92,518 |
| Highest Mortgage Loan Application Amount | $929,000 |
| Average Applicant Income | $54,678 |
| Highest Applicant Income | $469,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 639 | $ 61,306,000 | $ 95,940 | $ 55,000 |
| Des Moines-West Des Moines, IA | 1 | $ 203,000 | $ 203,000 | $ 104,000 |
| Fort Worth-Arlington, TX | 1 | $ 365,000 | $ 365,000 | $ 76,000 |
| Kalamazoo-Portage, MI | 1 | $ 104,000 | $ 104,000 | $ 211,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 325,000 | $ 325,000 | $ 179,000 |
| Provo-Orem, UT | 1 | $ 204,000 | $ 204,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2006
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 | 657 | $66,670,000 | $101,000 | $581,000 | $52,000 | $469,000 |
| Refinancing | 190 | $17,061,000 | $89,000 | $929,000 | $60,000 | $410,000 |
| Home Improvement | 90 | $2,959,000 | $32,000 | $500,000 | $63,000 | $257,000 |
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 | 853 | $78,357,000 | $91,000 | $929,000 | $56,000 | $469,000 |
| Not Provided | 38 | $2,898,000 | $76,000 | $581,000 | $54,000 | $240,000 |
| Not applicable | 22 | $3,536,000 | $160,000 | $803,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $1,189,000 | $84,000 | $320,000 | $65,000 | $344,000 |
| Black or African American | 4 | $422,000 | $105,000 | $138,000 | $38,000 | $46,000 |
| Hispanic | 4 | $175,000 | $43,000 | $124,000 | $42,000 | $73,000 |
| Asian | 2 | $113,000 | $56,000 | $82,000 | $23,000 | $23,000 |
| 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) | 686 | $58,590,000 | $85,000 | $929,000 | $58,000 | $469,000 |
| FHA-insured (Federal Housing Administration) | 155 | $16,528,000 | $106,000 | $203,000 | $45,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $7,380,000 | $115,000 | $206,000 | $42,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 32 | $4,192,000 | $131,000 | $237,000 | $51,000 | $84,000 |
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 | 756 | $75,090,000 | $99,000 | $803,000 | $57,000 | $469,000 |
| Application Denied By Financial Institution | 88 | $6,139,000 | $69,000 | $929,000 | $41,000 | $134,000 |
| Application Withdrawn By Applicant | 68 | $4,739,000 | $69,000 | $325,000 | $50,000 | $179,000 |
| Application Approved But Not Accepted | 21 | $623,000 | $29,000 | $85,000 | $50,000 | $127,000 |
| File Closed For Incompleteness | 4 | $99,000 | $24,000 | $53,000 | $27,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 49 | $2,659,000 | $54,000 | $315,000 | $44,000 | $119,000 |
| Debt-To-Income Ratio | 15 | $1,990,000 | $132,000 | $929,000 | $35,000 | $72,000 |
| Collateral | 14 | $679,000 | $48,000 | $167,000 | $33,000 | $58,000 |
| Other | 3 | $303,000 | $101,000 | $133,000 | $66,000 | $134,000 |
| Employment History | 3 | $91,000 | $30,000 | $72,000 | $28,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $319,000 | $106,000 | $148,000 | $55,000 | $90,000 |
| Mortgage Insurance Denied | 1 | $98,000 | $98,000 | $98,000 | $76,000 | $76,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2006 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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