Dakota Heritage Bank
Dakota Heritage Bank received 66 applications in 2025 and made 62 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 64 decisions, 2 were denials — 3.1%.
| Legal Entity Identifier | 254900R1W1FMZ4RIZ113 |
|---|---|
| Applications received | 66 |
| Mortgages made | 62 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Dakota Heritage Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 29 | Not published | $95,000 | 6.5% |
| Refinancing | 27 | Not published | $105,000 | 0.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where Dakota Heritage Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Red Lake County, MN | 20 | Not published | 4.8% |
| Polk County, MN | 10 | Not published | 9.1% |
| Stutsman County, ND | 10 | Not published | 0.0% |
| Pennington County, MN | 6 | Under 10 loans | 0.0% |
| Cass County, ND | 6 | Under 10 loans | 0.0% |
| Wells County, ND | 3 | Under 10 loans | 0.0% |
| Traill County, ND | 2 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Clay County, MN | 1 | Under 10 loans | 0.0% |
| Kittson County, MN | 1 | Under 10 loans | 0.0% |
| Barnes County, ND | 1 | Under 10 loans | 0.0% |
| McHenry County, ND | 1 | Under 10 loans | 0.0% |
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When Dakota Heritage Bank’s figures are published for the next year, or restated.
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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.