Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2013
In 2013, Dakota Community Bank & Trust, NA of Hebron, ND reported 892 mortgage applications totaling $159.1 million, down 22% from 2012. The average application was for $178,397, and applicants reported an average income of $89,924. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Bismarck, ND (509), Phoenix-Mesa-Glendale, AZ (3) 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 | 892 |
| Total Mortgage Loan Application Amount | $159,131,000 |
| Average Mortgage Loan Application Amount | $178,397 |
| Highest Mortgage Loan Application Amount | $2,210,000 |
| Average Applicant Income | $89,924 |
| Highest Applicant Income | $1,600,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 509 | $ 89,361,000 | $ 175,561 | $ 90,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 640,000 | $ 213,333 | $ 182,000 |
| Fargo, ND-MN | 2 | $ 284,000 | $ 142,000 | $ 78,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 233,000 | $ 233,000 | $ 91,000 |
| Grand Forks, ND-MN | 1 | $ 93,000 | $ 93,000 | $ 143,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 252,000 | $ 252,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2013
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 | 548 | $106,112,000 | $193,000 | $2,210,000 | $92,000 | $1,323,000 |
| Refinancing | 305 | $50,884,000 | $166,000 | $1,307,000 | $89,000 | $1,600,000 |
| Home Improvement | 39 | $2,135,000 | $54,000 | $228,000 | $68,000 | $157,000 |
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 | 836 | $147,199,000 | $176,000 | $1,307,000 | $92,000 | $1,600,000 |
| Not applicable | 24 | $5,630,000 | $234,000 | $2,210,000 | $5,000 | $122,000 |
| American Indian or Alaskan Native | 13 | $2,312,000 | $177,000 | $292,000 | $73,000 | $202,000 |
| Not Provided | 8 | $1,150,000 | $143,000 | $275,000 | $66,000 | $85,000 |
| Hispanic | 7 | $1,048,000 | $149,000 | $216,000 | $77,000 | $160,000 |
| Asian | 2 | $1,508,000 | $754,000 | $1,182,000 | $550,000 | $655,000 |
| Black or African American | 1 | $150,000 | $150,000 | $150,000 | $61,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $134,000 | $134,000 | $134,000 | $108,000 | $108,000 |
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) | 646 | $113,522,000 | $175,000 | $2,210,000 | $99,000 | $1,600,000 |
| FHA-insured (Federal Housing Administration) | 112 | $20,142,000 | $179,000 | $310,000 | $70,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $11,580,000 | $170,000 | $357,000 | $52,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 66 | $13,887,000 | $210,000 | $372,000 | $67,000 | $272,000 |
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 | 708 | $127,742,000 | $180,000 | $2,210,000 | $87,000 | $1,600,000 |
| Application Denied By Financial Institution | 94 | $14,755,000 | $156,000 | $417,000 | $109,000 | $1,323,000 |
| Application Approved But Not Accepted | 82 | $15,618,000 | $190,000 | $1,182,000 | $86,000 | $655,000 |
| Application Withdrawn By Applicant | 7 | $917,000 | $131,000 | $294,000 | $108,000 | $167,000 |
| Loan Purchased By The Institution | 1 | $99,000 | $99,000 | $99,000 | $260,000 | $260,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 34 | $6,092,000 | $179,000 | $417,000 | $119,000 | $395,000 |
| Debt-To-Income Ratio | 26 | $3,827,000 | $147,000 | $271,000 | $60,000 | $169,000 |
| Credit History | 19 | $2,176,000 | $114,000 | $220,000 | $49,000 | $91,000 |
| Other | 10 | $1,553,000 | $155,000 | $366,000 | $336,000 | $1,323,000 |
| Employment History | 2 | $379,000 | $189,000 | $225,000 | $4,000 | $7,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $540,000 | $270,000 | $380,000 | $154,000 | $246,000 |
| Unverifiable Information | 1 | $188,000 | $188,000 | $188,000 | $48,000 | $48,000 |
| Credit Application Incomplete | 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 2013 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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