First Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First Bank & Trust 2020 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 | 2,118 |
| Total Mortgage Loan Application Amount | $534,500,000 |
| Average Mortgage Loan Application Amount | $191,000 |
| Highest Mortgage Loan Application Amount | $28,805,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $2,082,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 605 | $ 137,275,000 | $ 226,000 | $ 114,000 |
| Minnehaha County South Dakota | 235 | $ 81,535,000 | $ 346,000 | $ 114,000 |
| Pipestone County Minnesota | 137 | $ 19,745,000 | $ 144,000 | $ 106,000 |
| Lincoln County South Dakota | 105 | $ 27,825,000 | $ 265,000 | $ 165,000 |
| Hennepin County Minnesota | 97 | $ 34,015,000 | $ 350,000 | $ 166,000 |
| Scott County Minnesota | 91 | $ 22,295,000 | $ 245,000 | $ 118,000 |
| Grant County South Dakota | 86 | $ 14,080,000 | $ 163,000 | $ 91,000 |
| Le Sueur County Minnesota | 79 | $ 16,215,000 | $ 205,000 | $ 107,000 |
| Isanti County Minnesota | 67 | $ 17,055,000 | $ 254,000 | $ 108,000 |
| Clay County South Dakota | 37 | $ 7,365,000 | $ 199,000 | $ 111,000 |
| Anoka County Minnesota | 34 | $ 8,960,000 | $ 263,000 | $ 113,000 |
| Rice County Minnesota | 31 | $ 6,885,000 | $ 222,000 | $ 139,000 |
| Codington County South Dakota | 28 | $ 6,460,000 | $ 230,000 | $ 113,000 |
| Dakota County Minnesota | 26 | $ 6,690,000 | $ 257,000 | $ 146,000 |
| Lincoln County Minnesota | 25 | $ 3,365,000 | $ 134,000 | $ 121,000 |
| Deuel County South Dakota | 25 | $ 3,315,000 | $ 132,000 | $ 104,000 |
| Moody County South Dakota | 25 | $ 5,305,000 | $ 212,000 | $ 117,000 |
| Carver County Minnesota | 23 | $ 8,525,000 | $ 370,000 | $ 226,000 |
| Kingsbury County South Dakota | 18 | $ 2,960,000 | $ 164,000 | $ 69,000 |
| Hamlin County South Dakota | 17 | $ 4,305,000 | $ 253,000 | $ 164,000 |
| Chisago County Minnesota | 16 | $ 3,350,000 | $ 209,000 | $ 121,000 |
| Washington County Minnesota | 16 | $ 4,380,000 | $ 273,000 | $ 151,000 |
| Sherburne County Minnesota | 15 | $ 2,375,000 | $ 158,000 | $ 116,000 |
| Lake County South Dakota | 15 | $ 3,885,000 | $ 259,000 | $ 187,000 |
| Roberts County South Dakota | 15 | $ 2,615,000 | $ 174,000 | $ 104,000 |
| Ramsey County Minnesota | 13 | $ 2,885,000 | $ 221,000 | $ 115,000 |
| Wright County Minnesota | 13 | $ 15,495,000 | $ 1,191,000 | $ 150,000 |
| Big Stone County Minnesota | 11 | $ 1,965,000 | $ 178,000 | $ 87,000 |
| Lyon County Minnesota | 10 | $ 1,650,000 | $ 165,000 | $ 93,000 |
| Douglas County Minnesota | 7 | $ 1,695,000 | $ 242,000 | $ 157,000 |
| Mille Lacs County Minnesota | 7 | $ 1,155,000 | $ 165,000 | $ 62,000 |
| Murray County Minnesota | 7 | $ 1,265,000 | $ 180,000 | $ 103,000 |
| Hughes County South Dakota | 7 | $ 1,915,000 | $ 273,000 | $ 229,000 |
| Rock County Minnesota | 6 | $ 1,030,000 | $ 171,000 | $ 85,000 |
| Turner County South Dakota | 6 | $ 710,000 | $ 118,000 | $ 73,000 |
| Union County South Dakota | 6 | $ 1,190,000 | $ 198,000 | $ 98,000 |
| Day County South Dakota | 5 | $ 1,205,000 | $ 241,000 | $ 92,000 |
| Maricopa County Arizona | 4 | $ 1,440,000 | $ 360,000 | $ 437,000 |
| Dickinson County Iowa | 4 | $ 1,150,000 | $ 287,000 | $ 390,000 |
| Crow Wing County Minnesota | 4 | $ 810,000 | $ 202,000 | $ 163,000 |
| Kandiyohi County Minnesota | 4 | $ 1,760,000 | $ 440,000 | $ 392,000 |
| Sibley County Minnesota | 4 | $ 990,000 | $ 247,000 | $ 109,000 |
| Lawrence County South Dakota | 4 | $ 1,240,000 | $ 310,000 | $ 307,000 |
| Pennington County South Dakota | 4 | $ 870,000 | $ 217,000 | $ 84,000 |
| Stanley County South Dakota | 4 | $ 660,000 | $ 165,000 | $ 67,000 |
| St. Croix County Wisconsin | 4 | $ 2,580,000 | $ 645,000 | $ 0 |
| Blue Earth County Minnesota | 3 | $ 665,000 | $ 221,000 | $ 84,000 |
| Chippewa County Minnesota | 3 | $ 185,000 | $ 61,000 | $ 36,000 |
| Hubbard County Minnesota | 3 | $ 235,000 | $ 78,000 | $ 68,000 |
| Kanabec County Minnesota | 3 | $ 435,000 | $ 145,000 | $ 66,000 |
| Lac qui Parle County Minnesota | 3 | $ 405,000 | $ 135,000 | $ 61,000 |
| Steele County Minnesota | 3 | $ 535,000 | $ 178,000 | $ 96,000 |
| Yellow Medicine County Minnesota | 3 | $ 165,000 | $ 55,000 | $ 90,000 |
| Lyman County South Dakota | 3 | $ 625,000 | $ 208,000 | $ 91,000 |
| Yankton County South Dakota | 3 | $ 935,000 | $ 311,000 | $ 131,000 |
| Lee County Florida | 2 | $ 400,000 | $ 200,000 | $ 102,000 |
| Cook County Illinois | 2 | $ 560,000 | $ 280,000 | $ 82,000 |
| Aitkin County Minnesota | 2 | $ 450,000 | $ 225,000 | $ 150,000 |
| Cottonwood County Minnesota | 2 | $ 100,000 | $ 50,000 | $ 35,000 |
| Lake County Minnesota | 2 | $ 490,000 | $ 245,000 | $ 218,000 |
| Pine County Minnesota | 2 | $ 470,000 | $ 235,000 | $ 100,000 |
| Winona County Minnesota | 2 | $ 530,000 | $ 265,000 | $ 96,000 |
| Grand Forks County North Dakota | 2 | $ 550,000 | $ 275,000 | $ 258,000 |
| Providence County Rhode Island | 2 | $ 620,000 | $ 310,000 | $ 94,000 |
| Beadle County South Dakota | 2 | $ 280,000 | $ 140,000 | $ 64,000 |
| Brown County South Dakota | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Davison County South Dakota | 2 | $ 290,000 | $ 145,000 | $ 104,000 |
| Hutchinson County South Dakota | 2 | $ 340,000 | $ 170,000 | $ 90,000 |
| Sawyer County Wisconsin | 2 | $ 1,030,000 | $ 515,000 | $ 133,000 |
| Tuscaloosa County Alabama | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Anchorage County Alaska | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Mohave County Arizona | 1 | $ 385,000 | $ 385,000 | $ 220,000 |
| Pima County Arizona | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Broomfield County Colorado | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Collier County Florida | 1 | $ 515,000 | $ 515,000 | $ 377,000 |
| Hillsborough County Florida | 1 | $ 215,000 | $ 215,000 | $ 242,000 |
| Dallas County Iowa | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Linn County Iowa | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Lyon County Iowa | 1 | $ 485,000 | $ 485,000 | $ 82,000 |
| Anne Arundel County Maryland | 1 | $ 305,000 | $ 305,000 | $ 290,000 |
| Bristol County Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 250,000 |
| Essex County Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 147,000 |
| Benton County Minnesota | 1 | $ 515,000 | $ 515,000 | $ 38,000 |
| Brown County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Cass County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 133,000 |
| Martin County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 195,000 |
| McLeod County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Meeker County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Morrison County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 188,000 |
| Mower County Minnesota | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Nicollet County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Nobles County Minnesota | 1 | $ 3,395,000 | $ 3,395,000 | $ 0 |
| Otter Tail County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 164,000 |
| St. Louis County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Stearns County Minnesota | 1 | $ 8,505,000 | $ 8,505,000 | $ 0 |
| Stevens County Minnesota | 1 | $ 435,000 | $ 435,000 | $ 304,000 |
| Traverse County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 131,000 |
| Waseca County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Cascade County Montana | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Douglas County Nebraska | 1 | $ 315,000 | $ 315,000 | $ 286,000 |
| Sarpy County Nebraska | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Sandoval County New Mexico | 1 | $ 295,000 | $ 295,000 | $ 106,000 |
| Johnston County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Cass County North Dakota | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Franklin County Ohio | 1 | $ 265,000 | $ 265,000 | $ 57,000 |
| Warren County Ohio | 1 | $ 305,000 | $ 305,000 | $ 267,000 |
| Pickens County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Aurora County South Dakota | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Clark County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Custer County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 132,000 |
| Edmunds County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Gregory County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Marshall County South Dakota | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| McCook County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Meade County South Dakota | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| Spink County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Tripp County South Dakota | 1 | $ 335,000 | $ 335,000 | $ 223,000 |
| Montgomery County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Shelby County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Chambers County Texas | 1 | $ 445,000 | $ 445,000 | $ 190,000 |
| Harris County Texas | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| Montgomery County Texas | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Gloucester County Virginia | 1 | $ 325,000 | $ 325,000 | $ 143,000 |
| Burnett County Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 206,000 |
| Eau Claire County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Oneida County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 267,000 |
| Pierce County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Washburn County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2020
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 | 900 | $216,110,000 | $240,000 | $9,725,000 | $127,000 | $1,285,000 |
| Home Purchase | 677 | $205,295,000 | $303,000 | $28,805,000 | $117,000 | $2,082,000 |
| Cash-out Refinancing | 499 | $109,005,000 | $218,000 | $635,000 | $120,000 | $1,199,000 |
| Other Purpose | 24 | $2,340,000 | $97,000 | $255,000 | $148,000 | $552,000 |
| Home Improvement | 18 | $1,750,000 | $97,000 | $305,000 | $113,000 | $430,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,862 | $401,040,000 | $215,000 | $1,445,000 | $123,000 | $2,082,000 |
| Not Provided | 124 | $24,990,000 | $201,000 | $515,000 | $114,000 | $585,000 |
| Not applicable | 71 | $94,975,000 | $1,337,000 | $28,805,000 | $0 | $0 |
| Asian | 23 | $5,905,000 | $256,000 | $505,000 | $154,000 | $481,000 |
| Hispanic | 22 | $4,190,000 | $190,000 | $515,000 | $112,000 | $425,000 |
| Black or African American | 9 | $2,245,000 | $249,000 | $385,000 | $102,000 | $183,000 |
| American Indian or Alaskan Native | 7 | $1,155,000 | $165,000 | $345,000 | $68,000 | $130,000 |
| 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) | 1,965 | $505,165,000 | $257,000 | $28,805,000 | $126,000 | $2,082,000 |
| VA-guaranteed (Veterans Administration) | 64 | $16,440,000 | $256,000 | $515,000 | $102,000 | $845,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $8,220,000 | $132,000 | $245,000 | $50,000 | $87,000 |
| FHA-insured (Federal Housing Administration) | 27 | $4,675,000 | $173,000 | $315,000 | $73,000 | $156,000 |
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 | 1,789 | $468,295,000 | $261,000 | $28,805,000 | $125,000 | $2,082,000 |
| Application Withdrawn By Applicant | 214 | $45,150,000 | $210,000 | $1,405,000 | $118,000 | $1,103,000 |
| Application Denied By Financial Institution | 105 | $18,935,000 | $180,000 | $1,445,000 | $82,000 | $1,199,000 |
| Application Approved But Not Accepted | 10 | $2,120,000 | $212,000 | $485,000 | $138,000 | $430,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,013 | $515,565,000 | $256,000 | $28,805,000 | $124,000 | $2,082,000 |
| Credit History | 59 | $8,835,000 | $149,000 | $365,000 | $75,000 | $180,000 |
| Debt-To-Income Ratio | 36 | $8,260,000 | $229,000 | $1,445,000 | $62,000 | $474,000 |
| Unverifiable Information | 4 | $650,000 | $162,000 | $275,000 | $134,000 | $134,000 |
| Collateral | 3 | $635,000 | $211,000 | $515,000 | $424,000 | $1,199,000 |
| Employment History | 2 | $270,000 | $135,000 | $205,000 | $71,000 | $74,000 |
| Other | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Credit Application Incomplete | 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 2020 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.