Dakota Community Bank & Trust, National Association
Dakota Community Bank & Trust, National Association received 372 applications in 2025 and made 295 mortgages, in 39 counties across 8 states. The median rate its borrowers got was 6.250% on a median loan of $255,000. Of 315 decisions, 16 were denials — 5.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002POZ4RFS6X0Z30 |
|---|---|
| Applications received | 372 |
| Mortgages made | 295 |
| Denied | 16 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 57 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.086 points |
| FDIC-insured bank | Yes: Dakota Community Bank & Trust, National Association, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 222 | 6.125% | $270,000 | 3.0% |
| Refinancing | 31 | 6.280% | $215,000 | 8.8% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 33 | 7.280% | $55,000 | 15.4% |
Where Dakota Community Bank & Trust, National Association lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Burleigh County, ND | 101 | 6.375% | 5.6% |
| Stark County, ND | 89 | 6.050% | 2.2% |
| Morton County, ND | 42 | 6.375% | 4.6% |
| Bowman County, ND | 8 | Under 10 loans | 11.1% |
| Dunn County, ND | 6 | Under 10 loans | 33.3% |
| Kidder County, ND | 5 | Under 10 loans | 0.0% |
| Mercer County, ND | 5 | Under 10 loans | 16.7% |
| Grant County, ND | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Pinal County, AZ | 2 | Under 10 loans | 0.0% |
| Cass County, ND | 2 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 2 | Under 10 loans | 0.0% |
| McLean County, ND | 2 | Under 10 loans | 0.0% |
| Oliver County, ND | 2 | Under 10 loans | 0.0% |
| Pembina County, ND | 2 | Under 10 loans | 0.0% |
| Ward County, ND | 2 | Under 10 loans | 0.0% |
| Lawrence County, SD | 2 | Under 10 loans | 0.0% |
| Walworth County, SD | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Lewis and Clark County, MT | 1 | Under 10 loans | 0.0% |
| Silver Bow County, MT | 1 | Under 10 loans | 0.0% |
| Sarpy County, NE | 1 | Under 10 loans | 0.0% |
| Cavalier County, ND | 1 | Under 10 loans | 0.0% |
| Hettinger County, ND | 1 | Under 10 loans | 0.0% |
| McIntosh County, ND | 1 | Under 10 loans | 0.0% |
| McKenzie County, ND | 1 | Under 10 loans | 0.0% |
| Mountrail County, ND | 1 | Under 10 loans | 0.0% |
| Ramsey County, ND | 1 | Under 10 loans | 0.0% |
| Slope County, ND | 1 | Under 10 loans | 0.0% |
| Stutsman County, ND | 1 | Under 10 loans | 0.0% |
| Williams County, ND | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 0 | Under 10 loans | Not published |
| Boone County, KY | 0 | Under 10 loans | Not published |
| Richland County, MT | 0 | Under 10 loans | Not published |
| Sheridan County, ND | 0 | Under 10 loans | 100.0% |
| Campbell County, SD | 0 | Under 10 loans | Not published |
| Dewey County, SD | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.