First Dakota National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First Dakota National Bank 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 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 | 995 |
| Total Mortgage Loan Application Amount | $337,805,000 |
| Average Mortgage Loan Application Amount | $268,000 |
| Highest Mortgage Loan Application Amount | $15,625,000 |
| Average Applicant Income | $174,000 |
| Highest Applicant Income | $4,458,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 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 | 268 | $ 89,920,000 | $ 335,000 | $ 169,000 |
| Lincoln County South Dakota | 133 | $ 67,395,000 | $ 506,000 | $ 272,000 |
| Yankton County South Dakota | 122 | $ 31,640,000 | $ 259,000 | $ 90,000 |
| Davison County South Dakota | 87 | $ 18,055,000 | $ 207,000 | $ 89,000 |
| Clay County South Dakota | 57 | $ 12,885,000 | $ 226,000 | $ 103,000 |
| Hughes County South Dakota | 32 | $ 8,370,000 | $ 261,000 | $ 126,000 |
| Union County South Dakota | 31 | $ 6,485,000 | $ 209,000 | $ 98,000 |
| Brule County South Dakota | 23 | $ 3,335,000 | $ 145,000 | $ 64,000 |
| Bon Homme County South Dakota | 17 | $ 2,835,000 | $ 166,000 | $ 69,000 |
| McCook County South Dakota | 16 | $ 2,240,000 | $ 140,000 | $ 82,000 |
| Turner County South Dakota | 15 | $ 2,795,000 | $ 186,000 | $ 82,000 |
| Lake County South Dakota | 14 | $ 5,790,000 | $ 413,000 | $ 345,000 |
| Hanson County South Dakota | 11 | $ 2,485,000 | $ 225,000 | $ 140,000 |
| Liberty County Georgia | 8 | $ 890,000 | $ 111,000 | $ 0 |
| Hutchinson County South Dakota | 8 | $ 1,080,000 | $ 135,000 | $ 79,000 |
| Stanley County South Dakota | 8 | $ 1,220,000 | $ 152,000 | $ 98,000 |
| Dickinson County Iowa | 7 | $ 8,415,000 | $ 1,202,000 | $ 1,053,000 |
| Charles Mix County South Dakota | 7 | $ 1,375,000 | $ 196,000 | $ 147,000 |
| Pennington County South Dakota | 7 | $ 2,725,000 | $ 389,000 | $ 146,000 |
| Lyon County Minnesota | 6 | $ 3,890,000 | $ 648,000 | $ 230,000 |
| Brookings County South Dakota | 6 | $ 1,880,000 | $ 313,000 | $ 106,000 |
| Lee County Florida | 5 | $ 2,725,000 | $ 545,000 | $ 915,000 |
| Hamlin County South Dakota | 5 | $ 1,705,000 | $ 341,000 | $ 180,000 |
| Lawrence County South Dakota | 5 | $ 3,675,000 | $ 735,000 | $ 845,000 |
| Lyman County South Dakota | 5 | $ 745,000 | $ 149,000 | $ 87,000 |
| Knox County Nebraska | 4 | $ 560,000 | $ 140,000 | $ 234,000 |
| Maricopa County Arizona | 3 | $ 1,925,000 | $ 641,000 | $ 654,000 |
| Plymouth County Iowa | 3 | $ 405,000 | $ 135,000 | $ 42,000 |
| Hennepin County Minnesota | 3 | $ 1,945,000 | $ 648,000 | $ 890,000 |
| Otter Tail County Minnesota | 3 | $ 875,000 | $ 291,000 | $ 177,000 |
| Cedar County Nebraska | 3 | $ 505,000 | $ 168,000 | $ 42,000 |
| Aurora County South Dakota | 3 | $ 295,000 | $ 98,000 | $ 38,000 |
| Beadle County South Dakota | 3 | $ 345,000 | $ 115,000 | $ 47,000 |
| Pinal County Arizona | 2 | $ 690,000 | $ 345,000 | $ 240,000 |
| Pinellas County Florida | 2 | $ 660,000 | $ 330,000 | $ 81,000 |
| Lyon County Iowa | 2 | $ 590,000 | $ 295,000 | $ 90,000 |
| Sioux County Iowa | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Woodbury County Iowa | 2 | $ 4,420,000 | $ 2,210,000 | $ 109,000 |
| Bossier County Louisiana | 2 | $ 230,000 | $ 115,000 | $ 622,000 |
| Rock County Minnesota | 2 | $ 650,000 | $ 325,000 | $ 107,000 |
| Douglas County Nebraska | 2 | $ 320,000 | $ 160,000 | $ 257,000 |
| Pierce County Nebraska | 2 | $ 270,000 | $ 135,000 | $ 53,000 |
| Deuel County South Dakota | 2 | $ 1,060,000 | $ 530,000 | $ 334,000 |
| Hand County South Dakota | 2 | $ 100,000 | $ 50,000 | $ 41,000 |
| Sully County South Dakota | 2 | $ 260,000 | $ 130,000 | $ 154,000 |
| Douglas County Wisconsin | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Brevard County Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 3,065,000 | $ 3,065,000 | $ 0 |
| Long County Georgia | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Maui County Hawaii | 1 | $ 2,255,000 | $ 2,255,000 | $ 521,000 |
| Madison County Illinois | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Calhoun County Iowa | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Dallas County Iowa | 1 | $ 655,000 | $ 655,000 | $ 237,000 |
| Livingston County Michigan | 1 | $ 365,000 | $ 365,000 | $ 96,000 |
| Saginaw County Michigan | 1 | $ 665,000 | $ 665,000 | $ 475,000 |
| Blue Earth County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 153,000 |
| Dakota County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Faribault County Minnesota | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Goodhue County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 3,432,000 |
| Jackson County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Lac qui Parle County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 177,000 |
| Martin County Minnesota | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Pipestone County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 600,000 |
| St. Louis County Minnesota | 1 | $ 15,625,000 | $ 15,625,000 | $ 0 |
| Stevens County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 312,000 |
| Watonwan County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Wilkin County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 260,000 |
| Flathead County Montana | 1 | $ 645,000 | $ 645,000 | $ 850,000 |
| Keith County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Wayne County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 363,000 |
| Durham County North Carolina | 1 | $ 665,000 | $ 665,000 | $ 819,000 |
| Burleigh County North Dakota | 1 | $ 375,000 | $ 375,000 | $ 109,000 |
| McKenzie County North Dakota | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Brown County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Codington County South Dakota | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Day County South Dakota | 1 | $ 495,000 | $ 495,000 | $ 1,153,000 |
| Douglas County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Fall River County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 329,000 |
| Gregory County South Dakota | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Hyde County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Jerauld County South Dakota | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Meade County South Dakota | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Moody County South Dakota | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Davidson County Tennessee | 1 | $ 3,805,000 | $ 3,805,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 502,000 |
| Shelby County Tennessee | 1 | $ 555,000 | $ 555,000 | $ 185,000 |
| Travis County Texas | 1 | $ 1,065,000 | $ 1,065,000 | $ 525,000 |
Mortgage Loan Application Detail Totals for First Dakota National Bank 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 | 684 | $249,460,000 | $364,000 | $15,625,000 | $166,000 | $3,020,000 |
| Refinancing | 134 | $48,750,000 | $363,000 | $5,285,000 | $195,000 | $1,153,000 |
| Cash-out Refinancing | 85 | $22,655,000 | $266,000 | $1,925,000 | $184,000 | $4,458,000 |
| Other Purpose | 52 | $13,070,000 | $251,000 | $2,255,000 | $232,000 | $3,432,000 |
| Home Improvement | 40 | $3,870,000 | $96,000 | $1,085,000 | $93,000 | $217,000 |
| 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 | 835 | $237,875,000 | $284,000 | $3,405,000 | $172,000 | $4,458,000 |
| Not applicable | 97 | $79,035,000 | $814,000 | $15,625,000 | $0 | $0 |
| Not Provided | 20 | $8,320,000 | $416,000 | $875,000 | $280,000 | $825,000 |
| Asian | 17 | $5,105,000 | $300,000 | $735,000 | $188,000 | $564,000 |
| Hispanic | 12 | $3,600,000 | $300,000 | $1,445,000 | $86,000 | $175,000 |
| Black or African American | 8 | $2,370,000 | $296,000 | $455,000 | $79,000 | $130,000 |
| American Indian or Alaskan Native | 6 | $1,500,000 | $250,000 | $565,000 | $89,000 | $220,000 |
| 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) | 871 | $309,715,000 | $355,000 | $15,625,000 | $189,000 | $4,458,000 |
| FHA-insured (Federal Housing Administration) | 50 | $10,210,000 | $204,000 | $395,000 | $73,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $6,190,000 | $147,000 | $265,000 | $53,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 32 | $11,690,000 | $365,000 | $865,000 | $104,000 | $238,000 |
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 | 822 | $291,500,000 | $354,000 | $15,625,000 | $180,000 | $4,458,000 |
| Application Withdrawn By Applicant | 125 | $37,155,000 | $297,000 | $1,495,000 | $170,000 | $2,100,000 |
| Application Denied By Financial Institution | 45 | $7,225,000 | $160,000 | $465,000 | $73,000 | $255,000 |
| Application Approved But Not Accepted | 3 | $1,925,000 | $641,000 | $1,445,000 | $36,000 | $36,000 |
| 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 | 950 | $330,580,000 | $347,000 | $15,625,000 | $178,000 | $4,458,000 |
| Debt-To-Income Ratio | 23 | $3,785,000 | $164,000 | $415,000 | $61,000 | $142,000 |
| Credit History | 15 | $2,045,000 | $136,000 | $355,000 | $83,000 | $208,000 |
| Collateral | 4 | $620,000 | $155,000 | $465,000 | $101,000 | $255,000 |
| Mortgage Insurance Denied | 2 | $500,000 | $250,000 | $265,000 | $94,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $275,000 | $275,000 | $275,000 | $64,000 | $64,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Dakota National Bank'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 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.