First Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First Bank & Trust 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Bank & Trust 520 6Th Street Brookings, SD 57006 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,025 |
| Total Mortgage Loan Application Amount | $101,967,000 |
| Average Mortgage Loan Application Amount | $91,333 |
| Highest Mortgage Loan Application Amount | $646,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,025,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by First Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Bank & Trust's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brookings County South Dakota | 674 | $ 70,064,000 | $ 103,000 | $ 69,000 |
| Clay County South Dakota | 63 | $ 5,426,000 | $ 86,000 | $ 75,000 |
| Grant County South Dakota | 57 | $ 6,778,000 | $ 118,000 | $ 70,000 |
| Moody County South Dakota | 35 | $ 2,596,000 | $ 74,000 | $ 62,000 |
| Kingsbury County South Dakota | 34 | $ 2,213,000 | $ 65,000 | $ 54,000 |
| Deuel County South Dakota | 23 | $ 1,490,000 | $ 64,000 | $ 62,000 |
| Minnehaha County South Dakota | 22 | $ 1,829,000 | $ 83,000 | $ 57,000 |
| Hamlin County South Dakota | 19 | $ 1,694,000 | $ 89,000 | $ 67,000 |
| Lake County South Dakota | 17 | $ 1,846,000 | $ 108,000 | $ 98,000 |
| Big Stone County Minnesota | 8 | $ 768,000 | $ 96,000 | $ 84,000 |
| Roberts County South Dakota | 7 | $ 962,000 | $ 137,000 | $ 104,000 |
| Codington County South Dakota | 6 | $ 794,000 | $ 132,000 | $ 59,000 |
| Lawrence County South Dakota | 6 | $ 571,000 | $ 95,000 | $ 58,000 |
| Lyman County South Dakota | 6 | $ 575,000 | $ 95,000 | $ 110,000 |
| Stanley County South Dakota | 4 | $ 328,000 | $ 82,000 | $ 61,000 |
| Yankton County South Dakota | 4 | $ 276,000 | $ 69,000 | $ 54,000 |
| Lincoln County South Dakota | 3 | $ 721,000 | $ 240,000 | $ 149,000 |
| Hennepin County Minnesota | 2 | $ 207,000 | $ 103,000 | $ 52,000 |
| Kandiyohi County Minnesota | 2 | $ 126,000 | $ 63,000 | $ 13,000 |
| Lincoln County Minnesota | 2 | $ 7,000 | $ 3,000 | $ 48,000 |
| Pipestone County Minnesota | 2 | $ 210,000 | $ 105,000 | $ 15,000 |
| Rock County Minnesota | 2 | $ 15,000 | $ 7,000 | $ 48,000 |
| Yellow Medicine County Minnesota | 2 | $ 73,000 | $ 36,000 | $ 55,000 |
| Brown County South Dakota | 2 | $ 221,000 | $ 110,000 | $ 90,000 |
| Hughes County South Dakota | 2 | $ 398,000 | $ 199,000 | $ 121,000 |
| Pennington County South Dakota | 2 | $ 299,000 | $ 149,000 | $ 107,000 |
| Dickinson County Iowa | 1 | $ 20,000 | $ 20,000 | $ 156,000 |
| Clay County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 61,000 |
| Dakota County Minnesota | 1 | $ 90,000 | $ 90,000 | $ 63,000 |
| Douglas County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 63,000 |
| Lyon County Minnesota | 1 | $ 248,000 | $ 248,000 | $ 110,000 |
| Murray County Minnesota | 1 | $ 46,000 | $ 46,000 | $ 144,000 |
| Nicollet County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 112,000 |
| Scott County Minnesota | 1 | $ 246,000 | $ 246,000 | $ 81,000 |
| Lancaster County Nebraska | 1 | $ 3,000 | $ 3,000 | $ 70,000 |
| Bon Homme County South Dakota | 1 | $ 3,000 | $ 3,000 | $ 22,000 |
| Day County South Dakota | 1 | $ 37,000 | $ 37,000 | $ 35,000 |
| Hand County South Dakota | 1 | $ 110,000 | $ 110,000 | $ 58,000 |
| Meade County South Dakota | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Tripp County South Dakota | 1 | $ 110,000 | $ 110,000 | $ 32,000 |
| Union County South Dakota | 1 | $ 76,000 | $ 76,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 417 | $46,319,000 | $111,000 | $646,000 | $75,000 | $372,000 |
| Home Purchase | 398 | $44,914,000 | $112,000 | $475,000 | $68,000 | $1,025,000 |
| Home Improvement | 210 | $10,734,000 | $51,000 | $230,000 | $61,000 | $285,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 971 | $96,836,000 | $99,000 | $646,000 | $71,000 | $1,025,000 |
| Not applicable | 17 | $2,015,000 | $118,000 | $475,000 | $0 | $0 |
| Not Provided | 15 | $895,000 | $59,000 | $355,000 | $53,000 | $172,000 |
| Asian | 15 | $1,782,000 | $118,000 | $341,000 | $78,000 | $202,000 |
| Hispanic | 3 | $222,000 | $74,000 | $125,000 | $19,000 | $41,000 |
| Black or African American | 2 | $9,000 | $4,000 | $6,000 | $49,000 | $62,000 |
| American Indian or Alaskan Native | 2 | $208,000 | $104,000 | $204,000 | $48,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 925 | $89,878,000 | $97,000 | $646,000 | $72,000 | $1,025,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $7,422,000 | $117,000 | $219,000 | $42,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 28 | $3,232,000 | $115,000 | $246,000 | $51,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,435,000 | $159,000 | $270,000 | $69,000 | $133,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 868 | $89,172,000 | $102,000 | $646,000 | $72,000 | $1,025,000 |
| Application Approved But Not Accepted | 79 | $6,935,000 | $87,000 | $394,000 | $62,000 | $225,000 |
| Application Denied By Financial Institution | 69 | $5,246,000 | $76,000 | $417,000 | $52,000 | $333,000 |
| Application Withdrawn By Applicant | 9 | $614,000 | $68,000 | $125,000 | $43,000 | $69,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in South Dakota, download the full spreadsheet
with aggregated HMDA statistics today.