Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2020
In 2020, Dakota Community Bank & Trust, NA of Hebron, ND reported 1,058 mortgage applications totaling $245.0 million, up 111% from 2019. The average application was for $231,597, and applicants reported an average income of $115,586. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bismarck, ND (604), Phoenix-Mesa-Scottsdale, AZ (11) and Fargo, ND-MN (5) (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 | 1,058 |
| Total Mortgage Loan Application Amount | $245,030,000 |
| Average Mortgage Loan Application Amount | $231,597 |
| Highest Mortgage Loan Application Amount | $1,015,000 |
| Average Applicant Income | $115,586 |
| Highest Applicant Income | $2,385,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 604 | $ 141,130,000 | $ 233,658 | $ 113,000 |
| Outside any metro area | 427 | $ 97,075,000 | $ 227,341 | $ 113,030 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 3,155,000 | $ 286,818 | $ 237,000 |
| Fargo, ND-MN | 5 | $ 725,000 | $ 145,000 | $ 133,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 985,000 | $ 328,333 | $ 220,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Grand Forks, ND-MN | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Lexington-Fayette, KY | 1 | $ 235,000 | $ 235,000 | $ 621,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 335,000 | $ 335,000 | $ 217,000 |
| Missoula, MT | 1 | $ 205,000 | $ 205,000 | $ 37,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 365,000 | $ 365,000 | $ 245,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 275,000 | $ 275,000 | $ 178,000 |
| The Villages, FL | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 463 | $108,435,000 | $234,000 | $515,000 | $124,000 | $2,385,000 |
| Home Purchase | 391 | $90,495,000 | $231,000 | $1,015,000 | $102,000 | $1,773,000 |
| Cash-out Refinancing | 182 | $44,340,000 | $243,000 | $515,000 | $121,000 | $688,000 |
| Home Improvement | 14 | $1,060,000 | $75,000 | $485,000 | $137,000 | $236,000 |
| Other Purpose | 8 | $700,000 | $87,000 | $185,000 | $132,000 | $195,000 |
| 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 | 979 | $227,475,000 | $232,000 | $1,015,000 | $116,000 | $2,385,000 |
| Not Provided | 42 | $9,290,000 | $221,000 | $515,000 | $119,000 | $341,000 |
| American Indian or Alaskan Native | 13 | $2,655,000 | $204,000 | $415,000 | $97,000 | $208,000 |
| Asian | 8 | $1,730,000 | $216,000 | $335,000 | $161,000 | $432,000 |
| Hispanic | 8 | $2,100,000 | $262,000 | $375,000 | $80,000 | $157,000 |
| Not applicable | 7 | $1,665,000 | $237,000 | $485,000 | $0 | $0 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $47,000 | $47,000 |
| 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) | 866 | $202,830,000 | $234,000 | $1,015,000 | $125,000 | $2,385,000 |
| FHA-insured (Federal Housing Administration) | 73 | $15,225,000 | $208,000 | $335,000 | $71,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $11,200,000 | $186,000 | $325,000 | $63,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 59 | $15,775,000 | $267,000 | $555,000 | $90,000 | $189,000 |
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 | 815 | $189,555,000 | $232,000 | $1,015,000 | $113,000 | $865,000 |
| Application Withdrawn By Applicant | 163 | $38,305,000 | $235,000 | $615,000 | $147,000 | $2,385,000 |
| Application Denied By Financial Institution | 70 | $15,020,000 | $214,000 | $395,000 | $72,000 | $176,000 |
| Application Approved But Not Accepted | 10 | $2,150,000 | $215,000 | $375,000 | $138,000 | $314,000 |
| 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 | 1,058 | $245,030,000 | $231,000 | $1,015,000 | $116,000 | $2,385,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2020 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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