Dakota Community Bank & Trust in North Dakota vs the state
4.6%Denial rate-6.88 pts vs state
5.3%Decision denial rate-8.40 pts vs state
80.1%Origination rate+10.37 pts vs state
6.25%Median rate-0.25 pts vs state
-0.12Rate spread (pts)-0.36 pts vs state
$106kMedian applicant income
281Loans originated
16Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 321 | 237 | 9.7% | 6.38% | #14 |
| 2024 | 374 | 295 | 6.2% | 6.23% | #13 |
| 2025 | 351 | 281 | 4.6% | 6.25% | #14 |
What Dakota Community Bank & Trust lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Dakota Community Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 124 | 101 | 6 | 4.8% |
| Stark County | 112 | 89 | 2 | 1.8% |
| Morton County | 53 | 42 | 2 | 3.8% |
| Dunn County | 11 | 6 | 3 | 27.3% |
| Bowman County | 11 | 8 | 1 | 9.1% |
| Kidder County | 6 | 5 | 0 | 0.0% |
| Mercer County | 6 | 5 | 1 | 16.7% |
| Grant County | 5 | 4 | 0 | 0.0% |
| Oliver County | 3 | 2 | 0 | 0.0% |
| Grand Forks County | 2 | 2 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 351 applications in 2025, of which 281 were originated and 16 denied.
4.6% of all applications, or 5.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Dakota Community Bank & Trust originated in North Dakota in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Dakota Community Bank & Trust's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology