First National Bank-Brookings
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First National Bank-Brookings 2003 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 National Bank-Brookings Po Box G Garretson, SD 57030 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 1,092 |
| Total Mortgage Loan Application Amount | $88,513,000 |
| Average Mortgage Loan Application Amount | $100,733 |
| Highest Mortgage Loan Application Amount | $872,000 |
| Average Applicant Income | $69,800 |
| Highest Applicant Income | $759,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First National Bank-Brookings. 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 National Bank-Brookings's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First National Bank-Brookings'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 National Bank-Brookings serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank-Brookings, 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 National Bank-Brookings's mortgage activity for 2003.
| 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 | 696 | $ 59,457,000 | $ 85,000 | $ 40,000 |
| Clay County South Dakota | 108 | $ 7,040,000 | $ 65,000 | $ 52,000 |
| Minnehaha County South Dakota | 54 | $ 4,541,000 | $ 84,000 | $ 49,000 |
| Grant County South Dakota | 49 | $ 4,070,000 | $ 83,000 | $ 45,000 |
| Kingsbury County South Dakota | 39 | $ 2,419,000 | $ 62,000 | $ 43,000 |
| Moody County South Dakota | 35 | $ 2,380,000 | $ 68,000 | $ 44,000 |
| Hamlin County South Dakota | 19 | $ 1,552,000 | $ 81,000 | $ 38,000 |
| Deuel County South Dakota | 13 | $ 579,000 | $ 44,000 | $ 34,000 |
| Lake County South Dakota | 12 | $ 982,000 | $ 81,000 | $ 46,000 |
| Union County South Dakota | 12 | $ 773,000 | $ 64,000 | $ 46,000 |
| Lyman County South Dakota | 5 | $ 362,000 | $ 72,000 | $ 58,000 |
| Pennington County South Dakota | 4 | $ 357,000 | $ 89,000 | $ 128,000 |
| Lincoln County Minnesota | 2 | $ 64,000 | $ 32,000 | $ 24,000 |
| Yellow Medicine County Minnesota | 2 | $ 60,000 | $ 30,000 | $ 54,000 |
| Codington County South Dakota | 2 | $ 323,000 | $ 161,000 | $ 63,000 |
| Custer County South Dakota | 2 | $ 86,000 | $ 43,000 | $ 90,000 |
| Davison County South Dakota | 2 | $ 89,000 | $ 44,000 | $ 28,000 |
| Lincoln County South Dakota | 2 | $ 324,000 | $ 162,000 | $ 98,000 |
| McPherson County South Dakota | 2 | $ 159,000 | $ 79,000 | $ 60,000 |
| Roberts County South Dakota | 2 | $ 156,000 | $ 78,000 | $ 42,000 |
| Stanley County South Dakota | 2 | $ 179,000 | $ 89,000 | $ 107,000 |
| Yankton County South Dakota | 2 | $ 205,000 | $ 102,000 | $ 53,000 |
| Lee County Florida | 1 | $ 260,000 | $ 260,000 | $ 225,000 |
| Bartow County Georgia | 1 | $ 194,000 | $ 194,000 | $ 154,000 |
| Sioux County Iowa | 1 | $ 40,000 | $ 40,000 | $ 92,000 |
| Worcester County Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 85,000 |
| Big Stone County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Hennepin County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 35,000 |
| Le Sueur County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 100,000 |
| Murray County Minnesota | 1 | $ 11,000 | $ 11,000 | $ 23,000 |
| Pipestone County Minnesota | 1 | $ 186,000 | $ 186,000 | $ 95,000 |
| Ramsey County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Rock County Minnesota | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Stevens County Minnesota | 1 | $ 126,000 | $ 126,000 | $ 82,000 |
| Douglas County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Westchester County New York | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Campbell County South Dakota | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Day County South Dakota | 1 | $ 40,000 | $ 40,000 | $ 87,000 |
| Edmunds County South Dakota | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Gregory County South Dakota | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Hand County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Hughes County South Dakota | 1 | $ 90,000 | $ 90,000 | $ 114,000 |
| Meade County South Dakota | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Sanborn County South Dakota | 1 | $ 94,000 | $ 94,000 | $ 20,000 |
| Turner County South Dakota | 1 | $ 137,000 | $ 137,000 | $ 83,000 |
| Burnett County Wisconsin | 1 | $ 2,000 | $ 2,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for First National Bank-Brookings in 2003
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 (home purchase or home improvement, one-to-four family) | 688 | $55,673,000 | $92,000 | $582,000 | $60,333 | $759,000 |
| Home Purchase (one-to-four family) | 299 | $28,850,000 | $121,428 | $500,000 | $95,714 | $225,000 |
| Home Improvement (one-to-four family) | 98 | $1,628,000 | $12,000 | $119,000 | $49,000 | $301,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $2,362,000 | $337,000 | $872,000 | $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 | 1,059 | $84,731,000 | $105,777 | $582,000 | $92,222 | $759,000 |
| Not applicable | 11 | $2,055,000 | $186,000 | $872,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 6 | $137,000 | $16,666 | $47,000 | $39,333 | $79,000 |
| American Indian or Alaskan Native | 6 | $466,000 | $54,500 | $340,000 | $52,000 | $107,000 |
| Asian or Pacific Islander | 5 | $646,000 | $129,000 | $150,000 | $67,000 | $79,000 |
| Other | 3 | $298,000 | $99,000 | $145,000 | $54,000 | $65,000 |
| Black | 1 | $30,000 | $30,000 | $30,000 | $22,000 | $22,000 |
| Hispanic | 1 | $150,000 | $150,000 | $150,000 | $103,000 | $103,000 |
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) | 1,027 | $83,566,000 | $95,200 | $872,000 | $86,300 | $759,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $3,262,000 | $69,000 | $113,000 | $26,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,297,000 | $139,000 | $186,000 | $69,500 | $120,000 |
| FHA-insured (Federal Housing Administration) | 5 | $388,000 | $77,000 | $115,000 | $49,000 | $58,000 |
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 | 927 | $76,664,000 | $103,000 | $872,000 | $84,000 | $759,000 |
| Application Denied By Financial Institution | 89 | $6,273,000 | $82,500 | $500,000 | $68,500 | $154,000 |
| Application Approved But Not Accepted | 54 | $3,736,000 | $54,500 | $225,000 | $70,000 | $127,000 |
| Application Withdrawn By Applicant | 22 | $1,840,000 | $83,000 | $340,000 | $46,000 | $107,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $1,907,000 | $30,333 | $136,000 | $49,333 | $96,000 |
| Debt-To-Income Ratio | 35 | $3,243,000 | $78,000 | $500,000 | $33,500 | $101,000 |
| Collateral | 9 | $754,000 | $83,000 | $150,000 | $38,000 | $61,000 |
| Other | 2 | $287,000 | $143,500 | $194,000 | $91,000 | $154,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $82,000 | $82,000 | $82,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 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 National Bank-Brookings's 2003 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 National Bank-Brookings'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.