First Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First Bank & Trust 2022 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 | 2,020 |
| Total Mortgage Loan Application Amount | $500,950,000 |
| Average Mortgage Loan Application Amount | $185,600 |
| Highest Mortgage Loan Application Amount | $38,025,000 |
| Average Applicant Income | $134,600 |
| Highest Applicant Income | $3,066,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 443 | $ 115,015,000 | $ 259,000 | $ 154,000 |
| Brookings County South Dakota | 293 | $ 55,925,000 | $ 190,000 | $ 115,000 |
| Lincoln County South Dakota | 235 | $ 55,685,000 | $ 236,000 | $ 170,000 |
| Grant County South Dakota | 91 | $ 13,075,000 | $ 143,000 | $ 82,000 |
| Pipestone County Minnesota | 89 | $ 8,655,000 | $ 97,000 | $ 86,000 |
| Codington County South Dakota | 74 | $ 14,550,000 | $ 196,000 | $ 97,000 |
| Hennepin County Minnesota | 58 | $ 22,780,000 | $ 392,000 | $ 306,000 |
| Scott County Minnesota | 53 | $ 27,765,000 | $ 523,000 | $ 127,000 |
| Lake County South Dakota | 45 | $ 8,085,000 | $ 179,000 | $ 123,000 |
| Anoka County Minnesota | 41 | $ 48,345,000 | $ 1,179,000 | $ 108,000 |
| Le Sueur County Minnesota | 35 | $ 6,515,000 | $ 186,000 | $ 108,000 |
| Isanti County Minnesota | 34 | $ 6,360,000 | $ 187,000 | $ 111,000 |
| Deuel County South Dakota | 30 | $ 4,550,000 | $ 151,000 | $ 97,000 |
| Clay County South Dakota | 28 | $ 8,350,000 | $ 298,000 | $ 128,000 |
| Hamlin County South Dakota | 24 | $ 4,090,000 | $ 170,000 | $ 104,000 |
| Sherburne County Minnesota | 23 | $ 4,305,000 | $ 187,000 | $ 100,000 |
| Moody County South Dakota | 22 | $ 2,310,000 | $ 105,000 | $ 79,000 |
| Big Stone County Minnesota | 18 | $ 2,340,000 | $ 130,000 | $ 64,000 |
| Lincoln County Minnesota | 18 | $ 2,200,000 | $ 122,000 | $ 87,000 |
| Dakota County Minnesota | 17 | $ 6,285,000 | $ 369,000 | $ 178,000 |
| Ramsey County Minnesota | 16 | $ 3,840,000 | $ 240,000 | $ 221,000 |
| Kingsbury County South Dakota | 15 | $ 2,455,000 | $ 163,000 | $ 79,000 |
| Murray County Minnesota | 14 | $ 2,410,000 | $ 172,000 | $ 97,000 |
| Turner County South Dakota | 12 | $ 2,690,000 | $ 224,000 | $ 149,000 |
| Mille Lacs County Minnesota | 10 | $ 1,140,000 | $ 114,000 | $ 104,000 |
| Union County South Dakota | 10 | $ 2,830,000 | $ 283,000 | $ 147,000 |
| Rock County Minnesota | 9 | $ 1,095,000 | $ 121,000 | $ 89,000 |
| Washington County Minnesota | 9 | $ 2,245,000 | $ 249,000 | $ 138,000 |
| Maricopa County Arizona | 8 | $ 3,220,000 | $ 402,000 | $ 307,000 |
| Chisago County Minnesota | 8 | $ 2,650,000 | $ 331,000 | $ 210,000 |
| Lyon County Minnesota | 8 | $ 1,520,000 | $ 190,000 | $ 115,000 |
| Rice County Minnesota | 8 | $ 1,990,000 | $ 248,000 | $ 136,000 |
| Roberts County South Dakota | 8 | $ 1,280,000 | $ 160,000 | $ 154,000 |
| Wright County Minnesota | 7 | $ 1,925,000 | $ 275,000 | $ 98,000 |
| Clark County South Dakota | 7 | $ 675,000 | $ 96,000 | $ 80,000 |
| Pennington County South Dakota | 6 | $ 1,370,000 | $ 228,000 | $ 117,000 |
| Lee County Florida | 5 | $ 2,075,000 | $ 415,000 | $ 348,000 |
| Kanabec County Minnesota | 5 | $ 505,000 | $ 101,000 | $ 64,000 |
| Hughes County South Dakota | 5 | $ 1,245,000 | $ 249,000 | $ 148,000 |
| Douglas County Wisconsin | 5 | $ 815,000 | $ 163,000 | $ 0 |
| Lyon County Iowa | 4 | $ 520,000 | $ 130,000 | $ 63,000 |
| Sioux County Iowa | 4 | $ 890,000 | $ 222,000 | $ 121,000 |
| Carver County Minnesota | 4 | $ 1,250,000 | $ 312,000 | $ 263,000 |
| Douglas County Minnesota | 4 | $ 1,170,000 | $ 292,000 | $ 318,000 |
| Adams County Colorado | 3 | $ 1,165,000 | $ 388,000 | $ 91,000 |
| Broward County Florida | 3 | $ 815,000 | $ 271,000 | $ 468,000 |
| Benton County Minnesota | 3 | $ 165,000 | $ 55,000 | $ 114,000 |
| Yellow Medicine County Minnesota | 3 | $ 375,000 | $ 125,000 | $ 67,000 |
| St. Louis County Missouri | 3 | $ 155,000 | $ 51,000 | $ 15,000 |
| Davison County South Dakota | 3 | $ 595,000 | $ 198,000 | $ 71,000 |
| Meade County South Dakota | 3 | $ 795,000 | $ 265,000 | $ 89,000 |
| Miner County South Dakota | 3 | $ 305,000 | $ 101,000 | $ 46,000 |
| Yankton County South Dakota | 3 | $ 545,000 | $ 181,000 | $ 128,000 |
| Charlotte County Florida | 2 | $ 490,000 | $ 245,000 | $ 87,000 |
| Orange County Florida | 2 | $ 760,000 | $ 380,000 | $ 275,000 |
| Dickinson County Iowa | 2 | $ 990,000 | $ 495,000 | $ 575,000 |
| Becker County Minnesota | 2 | $ 640,000 | $ 320,000 | $ 305,000 |
| Blue Earth County Minnesota | 2 | $ 510,000 | $ 255,000 | $ 90,000 |
| Cass County Minnesota | 2 | $ 310,000 | $ 155,000 | $ 130,000 |
| Crow Wing County Minnesota | 2 | $ 630,000 | $ 315,000 | $ 227,000 |
| Dodge County Minnesota | 2 | $ 770,000 | $ 385,000 | $ 122,000 |
| Goodhue County Minnesota | 2 | $ 150,000 | $ 75,000 | $ 74,000 |
| Jackson County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 70,000 |
| Lac qui Parle County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 34,000 |
| McLeod County Minnesota | 2 | $ 480,000 | $ 240,000 | $ 114,000 |
| Olmsted County Minnesota | 2 | $ 370,000 | $ 185,000 | $ 423,000 |
| St. Louis County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 181,000 |
| Stearns County Minnesota | 2 | $ 820,000 | $ 410,000 | $ 206,000 |
| Marion County Missouri | 2 | $ 790,000 | $ 395,000 | $ 310,000 |
| Douglas County Nebraska | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| Pickens County South Carolina | 2 | $ 230,000 | $ 115,000 | $ 61,000 |
| Lawrence County South Dakota | 2 | $ 1,010,000 | $ 505,000 | $ 379,000 |
| Pocahontas County West Virginia | 2 | $ 1,070,000 | $ 535,000 | $ 284,000 |
| Pierce County Wisconsin | 2 | $ 520,000 | $ 260,000 | $ 288,000 |
| Madison County Alabama | 1 | $ 325,000 | $ 325,000 | $ 986,000 |
| Pima County Arizona | 1 | $ 355,000 | $ 355,000 | $ 244,000 |
| District of Columbia County District Of Columbia | 1 | $ 265,000 | $ 265,000 | $ 178,000 |
| Clay County Florida | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Collier County Florida | 1 | $ 255,000 | $ 255,000 | $ 860,000 |
| Monroe County Florida | 1 | $ 915,000 | $ 915,000 | $ 680,000 |
| Cook County Illinois | 1 | $ 215,000 | $ 215,000 | $ 177,000 |
| Crawford County Iowa | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Dallas County Iowa | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Plymouth County Iowa | 1 | $ 195,000 | $ 195,000 | $ 101,000 |
| Woodbury County Iowa | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Macomb County Michigan | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Aitkin County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 312,000 |
| Brown County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Clay County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Cottonwood County Minnesota | 1 | $ 395,000 | $ 395,000 | $ 82,000 |
| Kandiyohi County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 141,000 |
| Lake of the Woods County Minnesota | 1 | $ 595,000 | $ 595,000 | $ 447,000 |
| Morrison County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Otter Tail County Minnesota | 1 | $ 395,000 | $ 395,000 | $ 172,000 |
| Pine County Minnesota | 1 | $ 805,000 | $ 805,000 | $ 877,000 |
| Redwood County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Sibley County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Steele County Minnesota | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Swift County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Todd County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wabasha County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 287,000 |
| Winona County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 129,000 |
| Custer County Nebraska | 1 | $ 345,000 | $ 345,000 | $ 54,000 |
| Hamilton County Nebraska | 1 | $ 1,235,000 | $ 1,235,000 | $ 383,000 |
| Kearney County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 122,000 |
| Lancaster County Nebraska | 1 | $ 415,000 | $ 415,000 | $ 443,000 |
| Red Willow County Nebraska | 1 | $ 395,000 | $ 395,000 | $ 232,000 |
| Carteret County North Carolina | 1 | $ 905,000 | $ 905,000 | $ 190,000 |
| Burleigh County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 97,000 |
| Payne County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 1,257,000 |
| Brown County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 196,000 |
| Brule County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Butte County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Custer County South Dakota | 1 | $ 635,000 | $ 635,000 | $ 385,000 |
| Day County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Hanson County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Hutchinson County South Dakota | 1 | $ 325,000 | $ 325,000 | $ 102,000 |
| McCook County South Dakota | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
| Tarrant County Texas | 1 | $ 125,000 | $ 125,000 | $ 112,000 |
| Rock County Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| St. Croix County Wisconsin | 1 | $ 7,705,000 | $ 7,705,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2022
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 | 1,118 | $363,130,000 | $324,000 | $38,025,000 | $142,000 | $3,066,000 |
| Refinancing | 313 | $62,595,000 | $199,000 | $7,705,000 | $152,000 | $2,452,000 |
| Home Improvement | 265 | $18,065,000 | $68,000 | $1,115,000 | $133,000 | $1,107,000 |
| Cash-out Refinancing | 178 | $43,830,000 | $246,000 | $645,000 | $115,000 | $852,000 |
| Other Purpose | 146 | $13,330,000 | $91,000 | $535,000 | $131,000 | $809,000 |
| 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 | 1,683 | $340,915,000 | $202,000 | $1,505,000 | $135,000 | $3,066,000 |
| Not Provided | 159 | $42,795,000 | $269,000 | $1,215,000 | $154,000 | $986,000 |
| Not applicable | 90 | $97,540,000 | $1,083,000 | $38,025,000 | $0 | $0 |
| Hispanic | 33 | $6,045,000 | $183,000 | $545,000 | $154,000 | $677,000 |
| Asian | 22 | $5,480,000 | $249,000 | $655,000 | $243,000 | $697,000 |
| Black or African American | 13 | $3,255,000 | $250,000 | $1,235,000 | $168,000 | $1,200,000 |
| American Indian or Alaskan Native | 11 | $2,115,000 | $192,000 | $395,000 | $255,000 | $1,201,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $29,000 | $29,000 |
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) | 1,836 | $455,390,000 | $248,000 | $38,025,000 | $145,000 | $3,066,000 |
| FHA-insured (Federal Housing Administration) | 69 | $15,225,000 | $220,000 | $455,000 | $75,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 58 | $20,620,000 | $355,000 | $905,000 | $114,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $9,715,000 | $170,000 | $405,000 | $58,000 | $102,000 |
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 | 1,498 | $390,920,000 | $260,000 | $38,025,000 | $145,000 | $3,066,000 |
| Application Withdrawn By Applicant | 330 | $80,160,000 | $242,000 | $1,325,000 | $150,000 | $986,000 |
| Application Denied By Financial Institution | 160 | $24,660,000 | $154,000 | $705,000 | $67,000 | $310,000 |
| File Closed For Incompleteness | 21 | $3,845,000 | $183,000 | $495,000 | $88,000 | $190,000 |
| Application Approved But Not Accepted | 11 | $1,365,000 | $124,000 | $505,000 | $109,000 | $171,000 |
| 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 | 1,860 | $476,290,000 | $256,000 | $38,025,000 | $145,000 | $3,066,000 |
| Debt-To-Income Ratio | 76 | $14,030,000 | $184,000 | $705,000 | $59,000 | $310,000 |
| Credit History | 62 | $7,810,000 | $125,000 | $495,000 | $67,000 | $165,000 |
| Collateral | 13 | $2,145,000 | $165,000 | $645,000 | $115,000 | $294,000 |
| Other | 4 | $250,000 | $62,000 | $95,000 | $80,000 | $117,000 |
| Unverifiable Information | 2 | $300,000 | $150,000 | $185,000 | $55,000 | $68,000 |
| Employment History | 2 | $90,000 | $45,000 | $55,000 | $91,000 | $146,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $32,000 | $32,000 |
| 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 2022 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.