Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2015
In 2015, Dakota Community Bank & Trust, NA of Hebron, ND reported 789 mortgage applications totaling $165.6 million, up 7% from 2014. The average application was for $209,910, and applicants reported an average income of $94,057. 81% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Bismarck, ND (483), Fargo, ND-MN (6) and Phoenix-Mesa-Scottsdale, AZ (6) (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 | 789 |
| Total Mortgage Loan Application Amount | $165,619,000 |
| Average Mortgage Loan Application Amount | $209,910 |
| Highest Mortgage Loan Application Amount | $7,510,000 |
| Average Applicant Income | $94,057 |
| Highest Applicant Income | $3,506,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 483 | $ 95,569,000 | $ 197,865 | $ 86,000 |
| Fargo, ND-MN | 6 | $ 991,000 | $ 165,166 | $ 649,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 938,000 | $ 156,333 | $ 114,000 |
| Rapid City, SD | 2 | $ 220,000 | $ 110,000 | $ 95,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 240,000 | $ 240,000 | $ 260,000 |
| Colorado Springs, CO | 1 | $ 242,000 | $ 242,000 | $ 94,000 |
| Fort Collins, CO | 1 | $ 401,000 | $ 401,000 | $ 565,000 |
| Fort Worth-Arlington, TX | 1 | $ 170,000 | $ 170,000 | $ 200,000 |
| Grand Forks, ND-MN | 1 | $ 164,000 | $ 164,000 | $ 119,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 218,000 | $ 218,000 | $ 346,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 370,000 | $ 370,000 | $ 478,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2015
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 | 441 | $93,159,000 | $211,000 | $675,000 | $103,000 | $3,506,000 |
| Refinancing | 306 | $69,512,000 | $227,000 | $7,510,000 | $82,000 | $558,000 |
| Home Improvement | 42 | $2,948,000 | $70,000 | $475,000 | $88,000 | $238,000 |
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 | 715 | $142,927,000 | $199,000 | $945,000 | $98,000 | $3,506,000 |
| Not Provided | 25 | $4,321,000 | $172,000 | $365,000 | $92,000 | $238,000 |
| Not applicable | 21 | $13,618,000 | $648,000 | $7,510,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $2,259,000 | $205,000 | $348,000 | $81,000 | $172,000 |
| Hispanic | 9 | $1,269,000 | $141,000 | $315,000 | $57,000 | $95,000 |
| Asian | 3 | $511,000 | $170,000 | $240,000 | $68,000 | $75,000 |
| Black or African American | 3 | $467,000 | $155,000 | $296,000 | $78,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $247,000 | $123,000 | $177,000 | $82,000 | $118,000 |
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) | 593 | $124,002,000 | $209,000 | $7,510,000 | $103,000 | $3,506,000 |
| FHA-insured (Federal Housing Administration) | 111 | $22,327,000 | $201,000 | $320,000 | $68,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 49 | $13,075,000 | $266,000 | $463,000 | $74,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $6,215,000 | $172,000 | $286,000 | $57,000 | $82,000 |
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 | 642 | $139,213,000 | $216,000 | $7,510,000 | $98,000 | $3,506,000 |
| Application Denied By Financial Institution | 76 | $12,501,000 | $164,000 | $417,000 | $66,000 | $213,000 |
| Application Approved But Not Accepted | 67 | $12,891,000 | $192,000 | $416,000 | $83,000 | $419,000 |
| Application Withdrawn By Applicant | 4 | $1,014,000 | $253,000 | $280,000 | $88,000 | $166,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 31 | $5,553,000 | $179,000 | $414,000 | $65,000 | $213,000 |
| Credit History | 21 | $3,084,000 | $146,000 | $345,000 | $69,000 | $178,000 |
| Collateral | 14 | $1,949,000 | $139,000 | $243,000 | $56,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $796,000 | $199,000 | $417,000 | $81,000 | $142,000 |
| Other | 3 | $587,000 | $195,000 | $288,000 | $73,000 | $124,000 |
| Unverifiable Information | 1 | $329,000 | $329,000 | $329,000 | $112,000 | $112,000 |
| Mortgage Insurance Denied | 1 | $184,000 | $184,000 | $184,000 | $86,000 | $86,000 |
| Employment History | 1 | $19,000 | $19,000 | $19,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2015 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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