Dakota Community Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
72nd5.1% deniedPricingmedian rate spread over APOR, weight 30%
87th-0.09 ptsProcesswithdrawn + incomplete share, weight 15%
34th15.3%Closing coststotal loan costs ÷ loan amount, weight 10%
33rd2.36% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 334 | 247 | 9.3% | 11.1% | 6.38% | $62M |
| 2024 | 394 | 310 | 6.1% | 7.2% | 6.25% | $81M |
| 2025 | 372 | 295 | 4.3% | 5.1% | 6.25% | $83M |
What Dakota Community Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 22 manufactured homes, 60 investment properties.
Why Dakota Community Bank & Trust denies applications
Primary reason reported for each of the 16 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dakota Community Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 23 | 8.0% |
| $50k – $100k | 115 | 82 | 3.4% |
| $100k – $150k | 81 | 64 | 5.9% |
| $150k – $250k | 67 | 54 | 5.3% |
| Over $250k | 30 | 22 | 15.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 33 | 28 | 0.0% |
| 25–34 | 85 | 61 | 6.2% |
| 35–44 | 95 | 73 | 11.0% |
| 45–54 | 51 | 39 | 2.4% |
| 55–64 | 43 | 35 | 5.3% |
| 65–74 | 24 | 20 | 0.0% |
Where Dakota Community Bank & Trust lends
8 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Dakota | 351 | 281 | 4.6% | 6.25% | #14 |
| Arizona | 6 | 4 | 0.0% | 6.25% | #582 |
| South Dakota | 6 | 4 | 0.0% | 6.81% | #160 |
Frequently asked questions
Dakota Community Bank & Trust denied 5.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
The most common reason Dakota Community Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 43.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Dakota Community Bank & Trust originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.09 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 74% of its applications were for home purchases, 15% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 83% conventional, 12% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.