# Dakota Community Bank & Trust, National Association

> **Canonical URL:** https://saferate.com/lenders/dakota-community-bank-trust-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Dakota Community Bank & Trust, National Association is a bank, headquartered in Hebron, ND, serving borrowers across 7 states, with 223 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002POZ4RFS6X0Z30
- **Headquarters:** Hebron, ND
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IN, MN, ND, NV, OH, SD
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.330%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,872
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 223
- **Dollar Volume:** $62 million
- **Applications Received:** 275
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $279,933
- **Average Borrower Income:** $123,466
- **Average Property Value:** $374,865

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 160 | -0.299% | $2,919 | Strong 😀 |
| FHA | 64/100 | 34 | -0.202% | $2,644 | Strong 😀 |
| VA | 61/100 | 15 | -0.683% | $2,830 | Strong 😀 |
| USDA | 74/100 | 13 | -1.065% | $3,040 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 150 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 29 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 205 | $57M | -0.368% | Strong 😀 |
| Refinance | 49/100 | 18 | $5M | +0.089% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ND | 211 | 2.88% | 84/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bismarck, ND | ND | 118 | 91/100 |
| Non |  | 100 | 58/100 |

## Where This Lender Ranks

Dakota Community Bank & Trust, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in North Dakota for USDA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in North Dakota for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in North Dakota
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders)
- 🥈 **#2** in North Dakota Banks
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks)
- 🥈 **#2** in North Dakota for Conventional Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in North Dakota for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Bismarck, ND
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders)
- 🥈 **#2** in Bismarck, ND Banks
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/banks)
- 🥈 **#2** in Bismarck, ND for Conventional Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Bismarck, ND for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Bismarck, ND for FHA Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Bismarck, ND for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Bismarck, ND for VA Loans
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Bismarck, ND for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bismarck-nd/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in North Dakota for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in North Dakota for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in North Dakota for FHA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in North Dakota for VA Loans
  - [View Full Rankings](https://saferate.com/north-dakota/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does Dakota Community Bank & Trust, National Association offer?

Dakota Community Bank & Trust, National Association offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Dakota Community Bank & Trust, National Association offer mortgages?

Dakota Community Bank & Trust, National Association offers mortgages in 7 states: FL, IN, MN, ND, NV, OH, SD.

### How competitive are Dakota Community Bank & Trust, National Association's mortgage rates?

Dakota Community Bank & Trust, National Association has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.330% below market average.

### What type of lender is Dakota Community Bank & Trust, National Association?

Dakota Community Bank & Trust, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Hebron, ND.

### What is Dakota Community Bank & Trust, National Association's loan approval success rate?

Dakota Community Bank & Trust, National Association has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/dakota-community-bank-trust-national-association

### How to Cite

> "Dakota Community Bank & Trust, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dakota-community-bank-trust-national-association

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