First Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
First Bank & Trust 2018 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 | 610 |
| Total Mortgage Loan Application Amount | $118,510,000 |
| Average Mortgage Loan Application Amount | $142,666 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $139,166 |
| Highest Applicant Income | $5,709,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 272 | $ 49,570,000 | $ 182,000 | $ 104,000 |
| Grant County South Dakota | 45 | $ 5,885,000 | $ 130,000 | $ 61,000 |
| Pipestone County Minnesota | 40 | $ 3,340,000 | $ 83,000 | $ 76,000 |
| Clay County South Dakota | 33 | $ 4,815,000 | $ 145,000 | $ 107,000 |
| Moody County South Dakota | 18 | $ 2,530,000 | $ 140,000 | $ 115,000 |
| Lincoln County Minnesota | 14 | $ 1,410,000 | $ 100,000 | $ 76,000 |
| Scott County Minnesota | 14 | $ 4,080,000 | $ 291,000 | $ 81,000 |
| Minnehaha County South Dakota | 14 | $ 2,020,000 | $ 144,000 | $ 75,000 |
| Le Sueur County Minnesota | 13 | $ 1,275,000 | $ 98,000 | $ 91,000 |
| Isanti County Minnesota | 11 | $ 1,025,000 | $ 93,000 | $ 111,000 |
| Big Stone County Minnesota | 10 | $ 1,430,000 | $ 143,000 | $ 81,000 |
| Hennepin County Minnesota | 10 | $ 3,960,000 | $ 396,000 | $ 369,000 |
| Deuel County South Dakota | 10 | $ 1,130,000 | $ 113,000 | $ 58,000 |
| Ramsey County Minnesota | 8 | $ 8,630,000 | $ 1,078,000 | $ 160,000 |
| Kingsbury County South Dakota | 7 | $ 1,145,000 | $ 163,000 | $ 85,000 |
| Roberts County South Dakota | 6 | $ 720,000 | $ 120,000 | $ 43,000 |
| Murray County Minnesota | 5 | $ 655,000 | $ 131,000 | $ 79,000 |
| Codington County South Dakota | 5 | $ 1,225,000 | $ 245,000 | $ 103,000 |
| Hamlin County South Dakota | 5 | $ 895,000 | $ 179,000 | $ 107,000 |
| Lake County South Dakota | 5 | $ 1,025,000 | $ 205,000 | $ 153,000 |
| Lincoln County South Dakota | 5 | $ 1,505,000 | $ 301,000 | $ 108,000 |
| Dakota County Minnesota | 4 | $ 4,230,000 | $ 1,057,000 | $ 173,000 |
| Rice County Minnesota | 4 | $ 190,000 | $ 47,000 | $ 92,000 |
| Pennington County South Dakota | 4 | $ 970,000 | $ 242,000 | $ 356,000 |
| Carver County Minnesota | 3 | $ 1,545,000 | $ 515,000 | $ 211,000 |
| Lac qui Parle County Minnesota | 3 | $ 665,000 | $ 221,000 | $ 73,000 |
| Mille Lacs County Minnesota | 3 | $ 65,000 | $ 21,000 | $ 80,000 |
| Lawrence County South Dakota | 3 | $ 325,000 | $ 108,000 | $ 97,000 |
| Yankton County South Dakota | 3 | $ 175,000 | $ 58,000 | $ 96,000 |
| Maricopa County Arizona | 2 | $ 1,000,000 | $ 500,000 | $ 5,709,000 |
| Aitkin County Minnesota | 2 | $ 3,000,000 | $ 1,500,000 | $ 97,000 |
| Anoka County Minnesota | 2 | $ 80,000 | $ 40,000 | $ 62,000 |
| Lyon County Minnesota | 2 | $ 330,000 | $ 165,000 | $ 81,000 |
| Hughes County South Dakota | 2 | $ 500,000 | $ 250,000 | $ 98,000 |
| Potter County South Dakota | 2 | $ 250,000 | $ 125,000 | $ 72,000 |
| Stanley County South Dakota | 2 | $ 30,000 | $ 15,000 | $ 128,000 |
| Walton County Florida | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Blue Earth County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Chippewa County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 112,000 |
| Douglas County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 158,000 |
| McLeod County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Olmsted County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pine County Minnesota | 1 | $ 3,665,000 | $ 3,665,000 | $ 0 |
| Pope County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 185,000 |
| Stevens County Minnesota | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Swift County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Traverse County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 238,000 |
| Washington County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 54,000 |
| Wright County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Yellow Medicine County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
| Merrimack County New Hampshire | 1 | $ 395,000 | $ 395,000 | $ 110,000 |
| Brown County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 126,000 |
| Davison County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Day County South Dakota | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Ashland County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 328 | $67,300,000 | $205,000 | $5,985,000 | $104,000 | $1,278,000 |
| Refinancing | 179 | $40,685,000 | $227,000 | $7,005,000 | $141,000 | $5,709,000 |
| Cash-out Refinancing | 47 | $6,845,000 | $145,000 | $365,000 | $89,000 | $350,000 |
| Other Purpose | 29 | $1,795,000 | $61,000 | $455,000 | $288,000 | $5,709,000 |
| Home Improvement | 25 | $1,575,000 | $63,000 | $245,000 | $95,000 | $184,000 |
| Not Applicable | 2 | $310,000 | $155,000 | $245,000 | $118,000 | $180,000 |
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 | 534 | $79,570,000 | $149,000 | $1,485,000 | $123,000 | $5,709,000 |
| Not applicable | 39 | $33,465,000 | $858,000 | $7,005,000 | $0 | $0 |
| Not Provided | 17 | $1,985,000 | $116,000 | $215,000 | $127,000 | $416,000 |
| Hispanic | 10 | $1,710,000 | $171,000 | $395,000 | $83,000 | $156,000 |
| Asian | 4 | $910,000 | $227,000 | $395,000 | $171,000 | $258,000 |
| Black or African American | 3 | $535,000 | $178,000 | $245,000 | $92,000 | $113,000 |
| American Indian or Alaskan Native | 3 | $335,000 | $111,000 | $215,000 | $70,000 | $79,000 |
| 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) | 537 | $107,175,000 | $199,000 | $7,005,000 | $131,000 | $5,709,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $5,685,000 | $138,000 | $245,000 | $52,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,915,000 | $186,000 | $365,000 | $78,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,735,000 | $157,000 | $245,000 | $79,000 | $116,000 |
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 | 550 | $110,270,000 | $200,000 | $7,005,000 | $124,000 | $5,709,000 |
| Application Withdrawn By Applicant | 24 | $3,940,000 | $164,000 | $385,000 | $98,000 | $289,000 |
| Application Denied By Financial Institution | 22 | $2,100,000 | $95,000 | $245,000 | $62,000 | $122,000 |
| Application Approved But Not Accepted | 13 | $2,185,000 | $168,000 | $455,000 | $201,000 | $821,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $26,000 | $26,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 588 | $116,410,000 | $197,000 | $7,005,000 | $125,000 | $5,709,000 |
| Credit History | 11 | $985,000 | $89,000 | $245,000 | $54,000 | $114,000 |
| Debt-To-Income Ratio | 9 | $805,000 | $89,000 | $235,000 | $64,000 | $108,000 |
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $122,000 | $122,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2018 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.