Purchase Originations
172
Median Total Costs
$6,054
−9.4% vs national ($6,680)
↑ $10 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,005
Median Lender Credits
$54
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.125% | $5,366 | $2,992 |
| fha | 31 | 6.124% | $10,749 | $2,963 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,127 | 6.750% | — | 1 | −$2,927 | |
| 2 | $3,966 | 5.125% | — | 1 | −$2,088 | |
| 3 | $4,188 | 5.990% | — | 1 | −$1,866 | |
| 4 | $4,221 | 6.625% | — | 1 | −$1,833 | |
| 5 | $4,639 | 6.162% | — | 4 | −$1,415 | |
| 6 | $5,177 | 5.750% | — | 1 | −$877 | |
| 7 | $5,433 | 5.990% | — | 3 | −$621 | |
| 8 | $5,762 | 6.300% | — | 8 | −$292 | |
| 9 | $5,790 | 6.625% | — | 1 | −$264 | |
| 10 | $5,816 | 5.800% | — | 2 | −$238 | |
| 11 | $5,888 | 6.125% | — | 53 | −$166 | |
| 12 | $5,916 | 6.125% | — | 26 | −$138 | |
| 13 | $5,995 | 5.875% | — | 1 | −$59 | |
| 14 | $6,094 | 6.750% | — | 1 | +$40 | |
| 15 | $6,570 | 5.875% | — | 57 | +$516 | |
| 16 | $6,725 | 5.990% | — | 5 | +$671 | |
| 17 | $6,778 | 6.750% | — | 1 | +$724 | |
| 18 | $7,935 | 5.375% | — | 1 | +$1,881 | |
| 19 | $9,092 | 6.250% | — | 1 | +$3,038 | |
| 20 | $16,306 | 5.750% | — | 1 | +$10,252 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Dakota Community Bank & Trust, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $6,054 | $7,127 | −$1,073 (−15.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.