Dakota Community Bank & Trust, NA Mortgage Lending & HMDA Data, 2022
In 2022, Dakota Community Bank & Trust, NA of Hebron, ND reported 397 mortgage applications totaling $90.3 million, down 51% from 2021. The average application was for $227,342, and applicants reported an average income of $116,690. 81% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Bismarck, ND (206), Phoenix-Mesa-Scottsdale, AZ (6) and Fargo, ND-MN (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 | 397 |
| Total Mortgage Loan Application Amount | $90,255,000 |
| Average Mortgage Loan Application Amount | $227,342 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $116,690 |
| Highest Applicant Income | $1,424,000 |
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Dakota Community Bank & Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Dakota Community Bank & Trust, NA in 2022
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 | 280 | $72,140,000 | $257,000 | $705,000 | $111,000 | $1,424,000 |
| Refinancing | 41 | $7,705,000 | $187,000 | $645,000 | $132,000 | $698,000 |
| Cash-out Refinancing | 38 | $7,920,000 | $208,000 | $665,000 | $122,000 | $752,000 |
| Home Improvement | 22 | $1,480,000 | $67,000 | $175,000 | $157,000 | $556,000 |
| Other Purpose | 16 | $1,010,000 | $63,000 | $205,000 | $109,000 | $353,000 |
| 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 | 337 | $78,135,000 | $231,000 | $705,000 | $116,000 | $1,424,000 |
| Not Provided | 23 | $3,285,000 | $142,000 | $555,000 | $110,000 | $383,000 |
| Not applicable | 14 | $3,630,000 | $259,000 | $585,000 | $0 | $0 |
| Hispanic | 11 | $2,145,000 | $195,000 | $325,000 | $94,000 | $146,000 |
| American Indian or Alaskan Native | 6 | $1,630,000 | $271,000 | $385,000 | $210,000 | $283,000 |
| Black or African American | 3 | $595,000 | $198,000 | $245,000 | $87,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $460,000 | $230,000 | $255,000 | $69,000 | $102,000 |
| Asian | 1 | $375,000 | $375,000 | $375,000 | $144,000 | $144,000 |
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) | 324 | $72,370,000 | $223,000 | $705,000 | $124,000 | $1,424,000 |
| FHA-insured (Federal Housing Administration) | 34 | $8,420,000 | $247,000 | $405,000 | $86,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 20 | $5,960,000 | $298,000 | $665,000 | $106,000 | $218,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,505,000 | $184,000 | $325,000 | $63,000 | $87,000 |
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 | 320 | $74,290,000 | $232,000 | $665,000 | $116,000 | $1,424,000 |
| Application Withdrawn By Applicant | 40 | $9,010,000 | $225,000 | $705,000 | $115,000 | $558,000 |
| Application Denied By Financial Institution | 29 | $4,795,000 | $165,000 | $455,000 | $99,000 | $317,000 |
| Application Approved But Not Accepted | 8 | $2,160,000 | $270,000 | $585,000 | $175,000 | $425,000 |
| 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 | 368 | $85,460,000 | $232,000 | $705,000 | $117,000 | $1,424,000 |
| Debt-To-Income Ratio | 11 | $1,775,000 | $161,000 | $355,000 | $90,000 | $267,000 |
| Credit History | 9 | $1,315,000 | $146,000 | $305,000 | $127,000 | $317,000 |
| Employment History | 2 | $340,000 | $170,000 | $315,000 | $86,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $510,000 | $255,000 | $275,000 | $76,000 | $81,000 |
| Other | 2 | $120,000 | $60,000 | $85,000 | $32,000 | $32,000 |
| Collateral | 2 | $280,000 | $140,000 | $195,000 | $101,000 | $117,000 |
| Unverifiable Information | 1 | $455,000 | $455,000 | $455,000 | $0 | $0 |
| 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 2022 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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