First Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021

First Bank & Trust 2021 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 3,565
Total Mortgage Loan Application Amount $823,115,000
Average Mortgage Loan Application Amount $187,500
Highest Mortgage Loan Application Amount $25,365,000
Average Applicant Income $112,333
Highest Applicant Income $4,053,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.

Mortgage Loan Application Totals for First Bank & Trust by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Minnehaha County South Dakota 780 $ 177,900,000 $ 228,000 $ 128,000
Brookings County South Dakota 494 $ 90,830,000 $ 183,000 $ 119,000
Lincoln County South Dakota 444 $ 106,470,000 $ 239,000 $ 154,000
Pipestone County Minnesota 156 $ 17,890,000 $ 114,000 $ 81,000
Codington County South Dakota 154 $ 29,010,000 $ 188,000 $ 91,000
Grant County South Dakota 152 $ 20,840,000 $ 137,000 $ 95,000
Hennepin County Minnesota 106 $ 49,100,000 $ 463,000 $ 216,000
Scott County Minnesota 97 $ 22,145,000 $ 228,000 $ 112,000
Isanti County Minnesota 86 $ 21,630,000 $ 251,000 $ 118,000
Lake County South Dakota 82 $ 16,050,000 $ 195,000 $ 136,000
Le Sueur County Minnesota 73 $ 13,315,000 $ 182,000 $ 97,000
Clay County South Dakota 50 $ 8,460,000 $ 169,000 $ 126,000
Hamlin County South Dakota 47 $ 10,135,000 $ 215,000 $ 155,000
Anoka County Minnesota 41 $ 10,045,000 $ 245,000 $ 131,000
Deuel County South Dakota 41 $ 6,265,000 $ 152,000 $ 87,000
Ramsey County Minnesota 40 $ 41,750,000 $ 1,043,000 $ 183,000
Big Stone County Minnesota 37 $ 4,075,000 $ 110,000 $ 84,000
Roberts County South Dakota 37 $ 8,015,000 $ 216,000 $ 122,000
Dakota County Minnesota 34 $ 7,300,000 $ 214,000 $ 136,000
Moody County South Dakota 34 $ 7,550,000 $ 222,000 $ 110,000
Carver County Minnesota 28 $ 7,740,000 $ 276,000 $ 214,000
Sherburne County Minnesota 28 $ 18,540,000 $ 662,000 $ 106,000
Washington County Minnesota 28 $ 16,740,000 $ 597,000 $ 157,000
Mille Lacs County Minnesota 26 $ 3,470,000 $ 133,000 $ 92,000
Lincoln County Minnesota 23 $ 2,285,000 $ 99,000 $ 63,000
Turner County South Dakota 22 $ 3,900,000 $ 177,000 $ 143,000
Kingsbury County South Dakota 21 $ 3,055,000 $ 145,000 $ 85,000
St. Louis County Minnesota 20 $ 2,320,000 $ 116,000 $ 106,000
Rock County Minnesota 17 $ 4,015,000 $ 236,000 $ 71,000
Rice County Minnesota 16 $ 6,950,000 $ 434,000 $ 99,000
Lawrence County South Dakota 16 $ 5,100,000 $ 318,000 $ 325,000
Union County South Dakota 16 $ 3,510,000 $ 219,000 $ 120,000
Chisago County Minnesota 14 $ 2,710,000 $ 193,000 $ 113,000
Lyon County Iowa 12 $ 1,090,000 $ 90,000 $ 85,000
Wright County Minnesota 11 $ 3,495,000 $ 317,000 $ 135,000
Lyon County Minnesota 10 $ 1,600,000 $ 160,000 $ 89,000
McCook County South Dakota 9 $ 2,535,000 $ 281,000 $ 112,000
Sioux County Iowa 8 $ 1,880,000 $ 235,000 $ 111,000
Murray County Minnesota 8 $ 1,130,000 $ 141,000 $ 130,000
Crow Wing County Minnesota 7 $ 1,595,000 $ 227,000 $ 308,000
Lee County Florida 6 $ 2,210,000 $ 368,000 $ 172,000
Benton County Minnesota 6 $ 750,000 $ 125,000 $ 232,000
Douglas County Minnesota 6 $ 1,810,000 $ 301,000 $ 327,000
Pennington County South Dakota 6 $ 1,050,000 $ 175,000 $ 144,000
Aitkin County Minnesota 5 $ 1,215,000 $ 243,000 $ 374,000
Blue Earth County Minnesota 5 $ 5,425,000 $ 1,085,000 $ 128,000
Brown County Minnesota 5 $ 645,000 $ 129,000 $ 218,000
Otter Tail County Minnesota 5 $ 1,345,000 $ 269,000 $ 177,000
Pine County Minnesota 5 $ 1,915,000 $ 383,000 $ 177,000
Stearns County Minnesota 5 $ 905,000 $ 181,000 $ 136,000
Douglas County Nebraska 5 $ 915,000 $ 183,000 $ 206,000
Brown County South Dakota 5 $ 1,405,000 $ 281,000 $ 109,000
Yankton County South Dakota 5 $ 605,000 $ 121,000 $ 107,000
Cass County Minnesota 4 $ 900,000 $ 225,000 $ 210,000
Itasca County Minnesota 4 $ 1,010,000 $ 252,000 $ 168,000
Kanabec County Minnesota 4 $ 620,000 $ 155,000 $ 97,000
Olmsted County Minnesota 4 $ 860,000 $ 215,000 $ 161,000
Hughes County South Dakota 4 $ 800,000 $ 200,000 $ 65,000
Dickinson County Iowa 3 $ 715,000 $ 238,000 $ 156,000
Lac qui Parle County Minnesota 3 $ 355,000 $ 118,000 $ 104,000
Lake County Minnesota 3 $ 575,000 $ 191,000 $ 104,000
Nicollet County Minnesota 3 $ 805,000 $ 268,000 $ 227,000
Wabasha County Minnesota 3 $ 315,000 $ 105,000 $ 226,000
Beadle County South Dakota 3 $ 725,000 $ 241,000 $ 138,000
Clark County South Dakota 3 $ 415,000 $ 138,000 $ 66,000
Hutchinson County South Dakota 3 $ 345,000 $ 115,000 $ 51,000
Meade County South Dakota 3 $ 765,000 $ 255,000 $ 57,000
Polk County Wisconsin 3 $ 1,295,000 $ 431,000 $ 70,000
Maricopa County Arizona 2 $ 1,010,000 $ 505,000 $ 128,000
Broward County Florida 2 $ 560,000 $ 280,000 $ 450,000
Collier County Florida 2 $ 400,000 $ 200,000 $ 105,000
Palm Beach County Florida 2 $ 910,000 $ 455,000 $ 188,000
Kauai County Hawaii 2 $ 1,090,000 $ 545,000 $ 910,000
Floyd County Iowa 2 $ 310,000 $ 155,000 $ 100,000
Woodbury County Iowa 2 $ 380,000 $ 190,000 $ 82,000
Chippewa County Minnesota 2 $ 270,000 $ 135,000 $ 63,000
Freeborn County Minnesota 2 $ 180,000 $ 90,000 $ 112,000
Goodhue County Minnesota 2 $ 270,000 $ 135,000 $ 139,000
Kandiyohi County Minnesota 2 $ 510,000 $ 255,000 $ 224,000
Mower County Minnesota 2 $ 150,000 $ 75,000 $ 227,000
Nobles County Minnesota 2 $ 130,000 $ 65,000 $ 39,000
Swift County Minnesota 2 $ 310,000 $ 155,000 $ 84,000
Traverse County Minnesota 2 $ 230,000 $ 115,000 $ 65,000
Burleigh County North Dakota 2 $ 810,000 $ 405,000 $ 102,000
Cass County North Dakota 2 $ 550,000 $ 275,000 $ 94,000
Comanche County Oklahoma 2 $ 270,000 $ 135,000 $ 0
Erie County Pennsylvania 2 $ 430,000 $ 215,000 $ 54,000
Pickens County South Carolina 2 $ 270,000 $ 135,000 $ 71,000
Bon Homme County South Dakota 2 $ 130,000 $ 65,000 $ 25,000
Charles Mix County South Dakota 2 $ 820,000 $ 410,000 $ 277,000
Custer County South Dakota 2 $ 190,000 $ 95,000 $ 122,000
Day County South Dakota 2 $ 500,000 $ 250,000 $ 205,000
Gregory County South Dakota 2 $ 670,000 $ 335,000 $ 345,000
Marshall County South Dakota 2 $ 530,000 $ 265,000 $ 172,000
Miner County South Dakota 2 $ 180,000 $ 90,000 $ 112,000
Spink County South Dakota 2 $ 240,000 $ 120,000 $ 118,000
Stanley County South Dakota 2 $ 420,000 $ 210,000 $ 129,000
Baldwin County Alabama 1 $ 155,000 $ 155,000 $ 58,000
Mohave County Arizona 1 $ 255,000 $ 255,000 $ 122,000
Pima County Arizona 1 $ 205,000 $ 205,000 $ 91,000
Adams County Colorado 1 $ 395,000 $ 395,000 $ 94,000
Boulder County Colorado 1 $ 435,000 $ 435,000 $ 0
Larimer County Colorado 1 $ 515,000 $ 515,000 $ 101,000
Weld County Colorado 1 $ 575,000 $ 575,000 $ 0
Brevard County Florida 1 $ 465,000 $ 465,000 $ 151,000
Charlotte County Florida 1 $ 95,000 $ 95,000 $ 104,000
Miami-Dade County Florida 1 $ 285,000 $ 285,000 $ 713,000
Sarasota County Florida 1 $ 285,000 $ 285,000 $ 389,000
Sumter County Florida 1 $ 265,000 $ 265,000 $ 249,000
Muscogee County Georgia 1 $ 85,000 $ 85,000 $ 50,000
Hawaii County Hawaii 1 $ 155,000 $ 155,000 $ 46,000
Cook County Illinois 1 $ 545,000 $ 545,000 $ 268,000
Black Hawk County Iowa 1 $ 295,000 $ 295,000 $ 85,000
Cerro Gordo County Iowa 1 $ 315,000 $ 315,000 $ 102,000
Dallas County Iowa 1 $ 295,000 $ 295,000 $ 169,000
Harrison County Iowa 1 $ 545,000 $ 545,000 $ 300,000
Plymouth County Iowa 1 $ 285,000 $ 285,000 $ 131,000
Polk County Iowa 1 $ 185,000 $ 185,000 $ 340,000
Johnson County Kansas 1 $ 315,000 $ 315,000 $ 100,000
Riley County Kansas 1 $ 95,000 $ 95,000 $ 182,000
Wyandotte County Kansas 1 $ 125,000 $ 125,000 $ 74,000
Berkshire County Massachusetts 1 $ 155,000 $ 155,000 $ 80,000
Cottonwood County Minnesota 1 $ 75,000 $ 75,000 $ 43,000
Dodge County Minnesota 1 $ 145,000 $ 145,000 $ 0
Grant County Minnesota 1 $ 245,000 $ 245,000 $ 146,000
Houston County Minnesota 1 $ 25,000 $ 25,000 $ 42,000
McLeod County Minnesota 1 $ 135,000 $ 135,000 $ 176,000
Morrison County Minnesota 1 $ 105,000 $ 105,000 $ 30,000
Pope County Minnesota 1 $ 405,000 $ 405,000 $ 247,000
Redwood County Minnesota 1 $ 285,000 $ 285,000 $ 0
Sibley County Minnesota 1 $ 175,000 $ 175,000 $ 125,000
Steele County Minnesota 1 $ 1,575,000 $ 1,575,000 $ 0
Todd County Minnesota 1 $ 155,000 $ 155,000 $ 37,000
Winona County Minnesota 1 $ 65,000 $ 65,000 $ 411,000
Yellow Medicine County Minnesota 1 $ 95,000 $ 95,000 $ 63,000
Camden County Missouri 1 $ 525,000 $ 525,000 $ 156,000
Cedar County Nebraska 1 $ 185,000 $ 185,000 $ 54,000
Dawson County Nebraska 1 $ 85,000 $ 85,000 $ 0
Knox County Nebraska 1 $ 255,000 $ 255,000 $ 52,000
Lancaster County Nebraska 1 $ 175,000 $ 175,000 $ 69,000
Madison County Nebraska 1 $ 365,000 $ 365,000 $ 191,000
Sarpy County Nebraska 1 $ 145,000 $ 145,000 $ 60,000
Craven County North Carolina 1 $ 275,000 $ 275,000 $ 174,000
Payne County Oklahoma 1 $ 215,000 $ 215,000 $ 112,000
Aurora County South Dakota 1 $ 125,000 $ 125,000 $ 100,000
Davison County South Dakota 1 $ 155,000 $ 155,000 $ 65,000
Edmunds County South Dakota 1 $ 215,000 $ 215,000 $ 82,000
Fall River County South Dakota 1 $ 285,000 $ 285,000 $ 280,000
Jerauld County South Dakota 1 $ 75,000 $ 75,000 $ 61,000
Lyman County South Dakota 1 $ 55,000 $ 55,000 $ 31,000
Walworth County South Dakota 1 $ 135,000 $ 135,000 $ 158,000
Davidson County Tennessee 1 $ 495,000 $ 495,000 $ 1,256,000
Sevier County Tennessee 1 $ 285,000 $ 285,000 $ 252,000
Augusta County Virginia 1 $ 535,000 $ 535,000 $ 203,000
King County Washington 1 $ 775,000 $ 775,000 $ 202,000
Buffalo County Wisconsin 1 $ 145,000 $ 145,000 $ 94,000
Burnett County Wisconsin 1 $ 315,000 $ 315,000 $ 267,000
St. Croix County Wisconsin 1 $ 95,000 $ 95,000 $ 149,000
Washburn County Wisconsin 1 $ 205,000 $ 205,000 $ 154,000

Mortgage Loan Application Detail Totals for First Bank & Trust in 2021

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 1,463 $415,155,000 $283,000 $25,365,000 $128,000 $1,296,000
Refinancing 966 $212,830,000 $220,000 $6,405,000 $133,000 $4,053,000
Cash-out Refinancing 707 $160,915,000 $227,000 $2,285,000 $117,000 $1,077,000
Home Improvement 244 $17,610,000 $72,000 $2,005,000 $127,000 $803,000
Other Purpose 184 $16,370,000 $88,000 $545,000 $169,000 $1,312,000
Not Applicable 1 $235,000 $235,000 $235,000 $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 3,071 $630,975,000 $205,000 $2,705,000 $129,000 $4,053,000
Not Provided 245 $54,465,000 $222,000 $1,415,000 $136,000 $1,077,000
Not applicable 132 $113,110,000 $856,000 $25,365,000 $0 $0
Asian 33 $6,745,000 $204,000 $535,000 $126,000 $446,000
Hispanic 28 $6,870,000 $245,000 $1,465,000 $138,000 $555,000
Black or African American 27 $4,925,000 $182,000 $295,000 $110,000 $1,108,000
American Indian or Alaskan Native 21 $3,375,000 $160,000 $305,000 $80,000 $176,000
Native Hawaiian or Other Pacific Islander 2 $540,000 $270,000 $365,000 $100,000 $100,000

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) 3,270 $761,390,000 $232,000 $25,365,000 $134,000 $4,053,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 103 $15,015,000 $145,000 $285,000 $49,000 $105,000
VA-guaranteed (Veterans Administration) 98 $28,470,000 $290,000 $845,000 $102,000 $279,000
FHA-insured (Federal Housing Administration) 94 $18,240,000 $194,000 $345,000 $64,000 $155,000

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 2,849 $667,325,000 $234,000 $25,365,000 $132,000 $1,643,000
Application Withdrawn By Applicant 491 $118,125,000 $240,000 $2,705,000 $136,000 $4,053,000
Application Denied By Financial Institution 176 $29,490,000 $167,000 $905,000 $63,000 $634,000
Application Approved But Not Accepted 26 $3,980,000 $153,000 $495,000 $126,000 $471,000
File Closed For Incompleteness 21 $3,525,000 $167,000 $455,000 $81,000 $255,000
Loan Purchased By The Institution 2 $670,000 $335,000 $435,000 $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 3,389 $793,625,000 $234,000 $25,365,000 $133,000 $4,053,000
Debt-To-Income Ratio 90 $15,580,000 $173,000 $905,000 $51,000 $168,000
Credit History 69 $10,385,000 $150,000 $485,000 $78,000 $634,000
Collateral 7 $1,245,000 $177,000 $425,000 $104,000 $196,000
Employment History 6 $830,000 $138,000 $305,000 $31,000 $106,000
Unverifiable Information 2 $950,000 $475,000 $575,000 $60,000 $60,000
Credit Application Incomplete 1 $135,000 $135,000 $135,000 $0 $0
Mortgage Insurance Denied 1 $365,000 $365,000 $365,000 $0 $0
Other 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2021 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.
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