Dakota Community Bank & Trust has 223 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Exceptional
5/5
Multi-Region · 1 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 33.00 basis points below market average
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Dakota Community Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 33.0 bps below market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 2 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 160 | 71.7% | -0.299%Below | $2,919Fees | ||||
FHA Loans | 34 | 15.2% | -0.202%Below | $2,644Fees | ||||
VA Loans | — | — | 15 | 6.7% | -0.683%Below | $2,830Fees | ||
USDA Loans | — | — | 13 | 5.8% | -1.065%Below | $3,040Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume160
Mix71.7%
Spread
-0.299%Below
Fees
$2,919Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume34
Mix15.2%
Spread
-0.202%Below
Fees
$2,644Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume15
Mix6.7%
Spread
-0.683%Below
Fees
$2,830Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume13
Mix5.8%
Spread
-1.065%Below
Fees
$3,040Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 205 | 91.9% | -0.368%Below | $2,878Fees | ||||
Refinance | — | 18 | 8.1% | +0.089%Above | $2,815Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume205
Mix91.9%
Spread
-0.368%Below
Fees
$2,878Fees
Refinance
OverallSound
ProductSound
Pricing—
Pull ThroughStrong
Volume18
Mix8.1%
Spread
+0.089%Above
Fees
$2,815Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
223
Applications
275
Volume
$62 million
Pricing & Closing
Avg Rate Spread
-0.330%
vs. market APOR
Avg Net Fees
$2,872
Origination − Credits
Pullthrough Rate
81.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$279,933
Avg Borrower Income
$123,466
Avg Property Value
$374,865
Geographic Coverage
Geographic Performance
Metro Areas
1
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
7Midwest5
INMNNDOHSD
South1
FL
West1
NV
Top Metro Areas by Place Specialization Score
Volume 118Mix 52.91% of portfolio
91/100
ExceptionalTop States by Place Specialization Score
1
North DakotaState
Volume 211Mix 94.62% of portfolio
84/100
ExceptionalHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.