Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2024
In 2024, Dakota Community Bank & Trust, NA of Hebron, ND reported 394 mortgage applications totaling $100.8 million, up 18% from 2023. The average application was for $255,837, and applicants reported an average income of $120,144. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Bismarck, ND (197), Cincinnati, OH-KY-IN (3) and Minot, ND (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 | 394 |
| Total Mortgage Loan Application Amount | $100,800,000 |
| Average Mortgage Loan Application Amount | $255,837 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $120,144 |
| Highest Applicant Income | $1,010,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 197 | $ 51,335,000 | $ 260,583 | $ 119,000 |
| Outside any metro area | 185 | $ 45,875,000 | $ 247,972 | $ 118,794 |
| Cincinnati, OH-KY-IN | 3 | $ 1,125,000 | $ 375,000 | $ 206,000 |
| Minot, ND | 2 | $ 310,000 | $ 155,000 | $ 104,000 |
| Bozeman, MT | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 305,000 | $ 305,000 | $ 357,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Ocala, FL | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 45,000 | $ 45,000 | $ 220,000 |
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2024
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 | 306 | $88,680,000 | $289,000 | $1,205,000 | $119,000 | $1,010,000 |
| Cash-out Refinancing | 26 | $5,690,000 | $218,000 | $685,000 | $121,000 | $580,000 |
| Other Purpose | 26 | $1,400,000 | $53,000 | $125,000 | $133,000 | $388,000 |
| Home Improvement | 19 | $1,535,000 | $80,000 | $225,000 | $94,000 | $214,000 |
| Refinancing | 17 | $3,495,000 | $205,000 | $775,000 | $149,000 | $644,000 |
| 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 | 318 | $80,840,000 | $254,000 | $835,000 | $120,000 | $644,000 |
| Not Provided | 38 | $9,190,000 | $241,000 | $1,205,000 | $110,000 | $388,000 |
| Not applicable | 23 | $7,585,000 | $329,000 | $1,125,000 | $0 | $0 |
| Hispanic | 10 | $1,650,000 | $165,000 | $265,000 | $67,000 | $101,000 |
| Asian | 3 | $995,000 | $331,000 | $475,000 | $96,000 | $140,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $78,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $335,000 | $335,000 | $335,000 | $1,010,000 | $1,010,000 |
| 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) | 306 | $75,260,000 | $245,000 | $1,205,000 | $127,000 | $1,010,000 |
| FHA-insured (Federal Housing Administration) | 53 | $14,115,000 | $266,000 | $415,000 | $99,000 | $357,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $4,640,000 | $257,000 | $435,000 | $84,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 17 | $6,785,000 | $399,000 | $705,000 | $125,000 | $218,000 |
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 | 310 | $81,290,000 | $262,000 | $1,125,000 | $123,000 | $1,010,000 |
| Application Withdrawn By Applicant | 59 | $14,915,000 | $252,000 | $1,205,000 | $116,000 | $419,000 |
| Application Denied By Financial Institution | 24 | $4,390,000 | $182,000 | $575,000 | $94,000 | $199,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $65,000 | $65,000 |
| 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 | 370 | $96,410,000 | $260,000 | $1,205,000 | $122,000 | $1,010,000 |
| Debt-To-Income Ratio | 12 | $3,040,000 | $253,000 | $575,000 | $90,000 | $152,000 |
| Credit History | 8 | $980,000 | $122,000 | $395,000 | $102,000 | $178,000 |
| Other | 2 | $70,000 | $35,000 | $45,000 | $50,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $60,000 | $60,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $199,000 | $199,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dakota Community Bank & Trust, NA's 2024 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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