Applications / Mortgage Analytics / Lenders / North Dakota / Dakota Community Bank & Trust
Hebron, ND · National bank · OCC · $1.4 billion assets · 295 loans in 2025
Dakota Community Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
295
loans originated, 2025
372
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dakota Community Bank & Trust, a North Dakota bank, leans on government-backed loans far more than similar banks do, and lends heavily to borrowers of modest means.
Home purchases made up 75.3% of its loans. FHA loans (insured by the Federal Housing Administration) were 11.5%, VA loans (guaranteed by the Department of Veterans Affairs) 3.1% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 2.4%. Similar lenders (national banks making between half and twice as many loans) typically made none.
Low- and moderate-income (LMI) borrowers took 37.5% of its loans, against 25.7% at similar lenders, more than at nearly nine in ten. It turned down 2.7% of home-purchase applications, against 6.0%, and its typical rate, 6.25%, was below peers' 6.75%.
It ranks 6 of 145 lenders in Bismarck, its market since at least 1990, with 4.5% of the market, down from 6.5%; Gate City Bank leads. Its own loans fell 5% while the whole market grew 10%, so faster growth at rivals is one possible reason. In non-metro North Dakota it ranks 7 of 191.
It made 815 loans in 2020 and 667 in 2021, then between 247 and 320 a year from 2022. In 2025 it made 295. It merged with Dakota Community Bank in 1997.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dakota Community Bank & Trust took 372 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.3% · Refinance 13.6% · Other 6.8% · Home improvement 4.4%
Conventional 83.1% · FHA 11.5% · VA 3.1% · USDA (RHS or FSA) 2.4% · of 295 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Dakota | 281 | 95.3% |
| Arizona | 4 | 1.4% |
| South Dakota | 4 | 1.4% |
| Florida | 2 | 0.7% |
| Montana | 2 | 0.7% |
| Minnesota | 1 | 0.3% |
| Nebraska | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bismarck | 145 |
| Phoenix-Mesa-Chandler | 4 |
| Fargo | 2 |
| Grand Forks | 2 |
| Minot | 2 |
| Helena | 1 |
| Lakeland-Winter Haven | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Omaha | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002POZ4RFS6X0Z30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 815156 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315728 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 124604 | 2005–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Dakota Community Bank & Trust's data.
Dakota Community Bank & Trust's data
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Dakota Community Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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