First Dakota National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First Dakota National Bank 2007 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 Dakota National Bank 225 Cedar St Yankton, SD 57078 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 862 |
| Total Mortgage Loan Application Amount | $118,988,000 |
| Average Mortgage Loan Application Amount | $115,333 |
| Highest Mortgage Loan Application Amount | $4,150,000 |
| Average Applicant Income | $77,333 |
| Highest Applicant Income | $1,484,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with First Dakota National Bank. 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 Dakota National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down First Dakota National Bank'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 Dakota National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Dakota National Bank, 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 Dakota National Bank's mortgage activity for 2007.
| 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 | 276 | $ 31,829,000 | $ 115,000 | $ 69,000 |
| Yankton County South Dakota | 134 | $ 13,483,000 | $ 100,000 | $ 65,000 |
| Lincoln County South Dakota | 94 | $ 15,448,000 | $ 164,000 | $ 94,000 |
| Davison County South Dakota | 80 | $ 7,447,000 | $ 93,000 | $ 55,000 |
| Clay County South Dakota | 47 | $ 5,061,000 | $ 107,000 | $ 69,000 |
| Brule County South Dakota | 33 | $ 2,466,000 | $ 74,000 | $ 46,000 |
| Bon Homme County South Dakota | 19 | $ 1,929,000 | $ 101,000 | $ 126,000 |
| McCook County South Dakota | 16 | $ 3,680,000 | $ 230,000 | $ 218,000 |
| Charles Mix County South Dakota | 14 | $ 579,000 | $ 41,000 | $ 43,000 |
| Douglas County South Dakota | 11 | $ 1,524,000 | $ 138,000 | $ 139,000 |
| Turner County South Dakota | 11 | $ 1,392,000 | $ 126,000 | $ 81,000 |
| Hanson County South Dakota | 10 | $ 1,389,000 | $ 138,000 | $ 72,000 |
| Hutchinson County South Dakota | 10 | $ 756,000 | $ 75,000 | $ 75,000 |
| Union County South Dakota | 9 | $ 834,000 | $ 92,000 | $ 58,000 |
| Knox County Nebraska | 8 | $ 659,000 | $ 82,000 | $ 121,000 |
| Lyman County South Dakota | 4 | $ 141,000 | $ 35,000 | $ 42,000 |
| Sanborn County South Dakota | 4 | $ 321,000 | $ 80,000 | $ 34,000 |
| Adams County Nebraska | 3 | $ 1,225,000 | $ 408,000 | $ 66,000 |
| Boone County Nebraska | 3 | $ 370,000 | $ 123,000 | $ 92,000 |
| Cedar County Nebraska | 3 | $ 157,000 | $ 52,000 | $ 101,000 |
| Aurora County South Dakota | 3 | $ 187,000 | $ 62,000 | $ 37,000 |
| Codington County South Dakota | 3 | $ 225,000 | $ 75,000 | $ 31,000 |
| Lake County South Dakota | 3 | $ 208,000 | $ 69,000 | $ 74,000 |
| Walworth County South Dakota | 3 | $ 1,812,000 | $ 604,000 | $ 18,000 |
| Ada County Idaho | 2 | $ 545,000 | $ 272,000 | $ 141,000 |
| Buffalo County Nebraska | 2 | $ 285,000 | $ 142,000 | $ 70,000 |
| Hall County Nebraska | 2 | $ 293,000 | $ 146,000 | $ 150,000 |
| Valley County Nebraska | 2 | $ 745,000 | $ 372,000 | $ 44,000 |
| Brown County South Dakota | 2 | $ 456,000 | $ 228,000 | $ 16,000 |
| Buffalo County South Dakota | 2 | $ 1,211,000 | $ 605,000 | $ 391,000 |
| Lawrence County South Dakota | 2 | $ 270,000 | $ 135,000 | $ 221,000 |
| Miner County South Dakota | 2 | $ 257,000 | $ 128,000 | $ 126,000 |
| Moody County South Dakota | 2 | $ 178,000 | $ 89,000 | $ 171,000 |
| San Bernardino County California | 1 | $ 1,200,000 | $ 1,200,000 | $ 1,484,000 |
| Ventura County California | 1 | $ 4,150,000 | $ 4,150,000 | $ 0 |
| Baca County Colorado | 1 | $ 899,000 | $ 899,000 | $ 0 |
| Elbert County Colorado | 1 | $ 400,000 | $ 400,000 | $ 215,000 |
| Lincoln County Colorado | 1 | $ 250,000 | $ 250,000 | $ 62,000 |
| Moffat County Colorado | 1 | $ 455,000 | $ 455,000 | $ 89,000 |
| Canyon County Idaho | 1 | $ 2,940,000 | $ 2,940,000 | $ 0 |
| Dickinson County Iowa | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Lyon County Iowa | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Sioux County Iowa | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Jewell County Kansas | 1 | $ 300,000 | $ 300,000 | $ 216,000 |
| Hennepin County Minnesota | 1 | $ 63,000 | $ 63,000 | $ 91,000 |
| Nobles County Minnesota | 1 | $ 310,000 | $ 310,000 | $ 168,000 |
| Big Horn County Montana | 1 | $ 600,000 | $ 600,000 | $ 305,000 |
| Fallon County Montana | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Phillips County Montana | 1 | $ 1,200,000 | $ 1,200,000 | $ 171,000 |
| Antelope County Nebraska | 1 | $ 194,000 | $ 194,000 | $ 81,000 |
| Cherry County Nebraska | 1 | $ 110,000 | $ 110,000 | $ 57,000 |
| Dixon County Nebraska | 1 | $ 220,000 | $ 220,000 | $ 108,000 |
| Douglas County Nebraska | 1 | $ 148,000 | $ 148,000 | $ 45,000 |
| Greeley County Nebraska | 1 | $ 388,000 | $ 388,000 | $ 171,000 |
| Phelps County Nebraska | 1 | $ 400,000 | $ 400,000 | $ 85,000 |
| Sarpy County Nebraska | 1 | $ 142,000 | $ 142,000 | $ 42,000 |
| Sioux County Nebraska | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Klamath County Oregon | 1 | $ 425,000 | $ 425,000 | $ 364,000 |
| Malheur County Oregon | 1 | $ 250,000 | $ 250,000 | $ 81,000 |
| Umatilla County Oregon | 1 | $ 264,000 | $ 264,000 | $ 62,000 |
| Beadle County South Dakota | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Brookings County South Dakota | 1 | $ 226,000 | $ 226,000 | $ 51,000 |
| Deuel County South Dakota | 1 | $ 228,000 | $ 228,000 | $ 120,000 |
| Edmunds County South Dakota | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Haakon County South Dakota | 1 | $ 1,649,000 | $ 1,649,000 | $ 849,000 |
| Hamlin County South Dakota | 1 | $ 88,000 | $ 88,000 | $ 178,000 |
| Hughes County South Dakota | 1 | $ 600,000 | $ 600,000 | $ 251,000 |
| Jerauld County South Dakota | 1 | $ 184,000 | $ 184,000 | $ 88,000 |
| McPherson County South Dakota | 1 | $ 16,000 | $ 16,000 | $ 29,000 |
| Pennington County South Dakota | 1 | $ 230,000 | $ 230,000 | $ 150,000 |
| Perkins County South Dakota | 1 | $ 775,000 | $ 775,000 | $ 288,000 |
| Tripp County South Dakota | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
| Comanche County Texas | 1 | $ 400,000 | $ 400,000 | $ 136,000 |
| Polk County Texas | 1 | $ 368,000 | $ 368,000 | $ 210,000 |
| Tom Green County Texas | 1 | $ 273,000 | $ 273,000 | $ 112,000 |
| Crook County Wyoming | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for First Dakota National Bank in 2007
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 | 535 | $64,057,000 | $119,000 | $900,000 | $66,000 | $886,000 |
| Refinancing | 267 | $53,220,000 | $199,000 | $4,150,000 | $112,000 | $1,484,000 |
| Home Improvement | 60 | $1,711,000 | $28,000 | $250,000 | $54,000 | $177,000 |
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 | 801 | $100,912,000 | $125,000 | $1,649,000 | $83,000 | $1,484,000 |
| Not applicable | 28 | $14,699,000 | $524,000 | $4,150,000 | $2,000 | $68,000 |
| Not Provided | 9 | $878,000 | $97,000 | $600,000 | $60,000 | $305,000 |
| American Indian or Alaskan Native | 8 | $798,000 | $99,000 | $400,000 | $61,000 | $215,000 |
| Hispanic | 8 | $562,000 | $70,000 | $129,000 | $40,000 | $60,000 |
| Black or African American | 5 | $770,000 | $154,000 | $185,000 | $73,000 | $126,000 |
| Asian | 3 | $369,000 | $123,000 | $137,000 | $58,000 | $99,000 |
| 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) | 691 | $95,622,000 | $138,000 | $4,150,000 | $82,000 | $1,484,000 |
| FHA-insured (Federal Housing Administration) | 85 | $10,305,000 | $121,000 | $203,000 | $53,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $10,641,000 | $149,000 | $899,000 | $87,000 | $569,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,420,000 | $161,000 | $303,000 | $56,000 | $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 | 753 | $90,554,000 | $120,000 | $1,200,000 | $78,000 | $1,484,000 |
| Application Denied By Financial Institution | 57 | $18,158,000 | $318,000 | $4,150,000 | $86,000 | $757,000 |
| Application Approved But Not Accepted | 46 | $7,852,000 | $170,000 | $1,649,000 | $88,000 | $849,000 |
| Application Withdrawn By Applicant | 5 | $2,024,000 | $404,000 | $1,500,000 | $46,000 | $130,000 |
| File Closed For Incompleteness | 1 | $400,000 | $400,000 | $400,000 | $215,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 26 | $5,145,000 | $197,000 | $1,200,000 | $79,000 | $305,000 |
| Credit History | 20 | $2,032,000 | $101,000 | $600,000 | $72,000 | $364,000 |
| Other | 6 | $10,264,000 | $1,710,000 | $4,150,000 | $188,000 | $757,000 |
| Collateral | 5 | $717,000 | $143,000 | $385,000 | $57,000 | $111,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Dakota National Bank's 2007 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 Dakota National Bank'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.