First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
First National Bank 2013 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 125 West Sioux Ave Ft. Pierre, SD 57501 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 2003 |
| Total Number of Mortgage Applications | 468 |
| Total Mortgage Loan Application Amount | $80,363,000 |
| Average Mortgage Loan Application Amount | $126,666 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $82,666 |
| Highest Applicant Income | $1,033,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with First 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 National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down First 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 National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First 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 National Bank's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pennington County South Dakota | 172 | $ 29,002,000 | $ 168,000 | $ 83,000 |
| Hughes County South Dakota | 66 | $ 11,075,000 | $ 167,000 | $ 99,000 |
| Meade County South Dakota | 48 | $ 9,141,000 | $ 190,000 | $ 86,000 |
| Lawrence County South Dakota | 41 | $ 5,523,000 | $ 134,000 | $ 70,000 |
| Beadle County South Dakota | 39 | $ 5,162,000 | $ 132,000 | $ 97,000 |
| Butte County South Dakota | 20 | $ 1,913,000 | $ 95,000 | $ 76,000 |
| Stanley County South Dakota | 11 | $ 2,262,000 | $ 205,000 | $ 138,000 |
| Denver County Colorado | 5 | $ 1,184,000 | $ 236,000 | $ 103,000 |
| Jefferson County Colorado | 5 | $ 1,267,000 | $ 253,000 | $ 41,000 |
| Minnehaha County South Dakota | 5 | $ 628,000 | $ 125,000 | $ 210,000 |
| Kingsbury County South Dakota | 4 | $ 407,000 | $ 101,000 | $ 28,000 |
| Lincoln County South Dakota | 4 | $ 979,000 | $ 244,000 | $ 61,000 |
| Fall River County South Dakota | 3 | $ 334,000 | $ 111,000 | $ 76,000 |
| Haakon County South Dakota | 3 | $ 596,000 | $ 198,000 | $ 127,000 |
| Perkins County South Dakota | 3 | $ 768,000 | $ 256,000 | $ 704,000 |
| Adams County Colorado | 2 | $ 381,000 | $ 190,000 | $ 27,000 |
| Arapahoe County Colorado | 2 | $ 436,000 | $ 218,000 | $ 71,000 |
| Douglas County Colorado | 2 | $ 440,000 | $ 220,000 | $ 42,000 |
| Pueblo County Colorado | 2 | $ 1,506,000 | $ 753,000 | $ 9,000 |
| Summit County Colorado | 2 | $ 339,000 | $ 169,000 | $ 67,000 |
| Harding County South Dakota | 2 | $ 213,000 | $ 106,000 | $ 123,000 |
| Jerauld County South Dakota | 2 | $ 185,000 | $ 92,000 | $ 41,000 |
| Sanborn County South Dakota | 2 | $ 185,000 | $ 92,000 | $ 29,000 |
| Sully County South Dakota | 2 | $ 300,000 | $ 150,000 | $ 115,000 |
| Turner County South Dakota | 2 | $ 240,000 | $ 120,000 | $ 69,000 |
| Eagle County Colorado | 1 | $ 290,000 | $ 290,000 | $ 52,000 |
| El Paso County Colorado | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| Garfield County Colorado | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Grand County Colorado | 1 | $ 244,000 | $ 244,000 | $ 163,000 |
| Larimer County Colorado | 1 | $ 186,000 | $ 186,000 | $ 45,000 |
| Montrose County Colorado | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Rio Grande County Colorado | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
| Weld County Colorado | 1 | $ 222,000 | $ 222,000 | $ 65,000 |
| Hennepin County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 242,000 |
| Stearns County Minnesota | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| Burleigh County North Dakota | 1 | $ 190,000 | $ 190,000 | $ 166,000 |
| Brookings County South Dakota | 1 | $ 88,000 | $ 88,000 | $ 28,000 |
| Brown County South Dakota | 1 | $ 184,000 | $ 184,000 | $ 152,000 |
| Brule County South Dakota | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Custer County South Dakota | 1 | $ 120,000 | $ 120,000 | $ 31,000 |
| Hand County South Dakota | 1 | $ 288,000 | $ 288,000 | $ 138,000 |
| Jackson County South Dakota | 1 | $ 58,000 | $ 58,000 | $ 34,000 |
| Jones County South Dakota | 1 | $ 173,000 | $ 173,000 | $ 65,000 |
| Chelan County Washington | 1 | $ 181,000 | $ 181,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank in 2013
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 | 264 | $45,017,000 | $170,000 | $2,100,000 | $74,000 | $885,000 |
| Refinancing | 194 | $35,045,000 | $180,000 | $800,000 | $112,000 | $1,033,000 |
| Home Improvement | 10 | $301,000 | $30,000 | $121,000 | $62,000 | $117,000 |
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 | 422 | $68,830,000 | $163,000 | $700,000 | $93,000 | $1,033,000 |
| Not applicable | 18 | $7,130,000 | $396,000 | $2,100,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $991,000 | $141,000 | $204,000 | $90,000 | $327,000 |
| Asian | 6 | $716,000 | $119,000 | $216,000 | $56,000 | $84,000 |
| Hispanic | 6 | $1,171,000 | $195,000 | $560,000 | $155,000 | $625,000 |
| Not Provided | 6 | $1,130,000 | $188,000 | $298,000 | $90,000 | $207,000 |
| Black or African American | 2 | $260,000 | $130,000 | $191,000 | $47,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $41,000 | $41,000 |
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) | 334 | $57,816,000 | $173,000 | $2,100,000 | $101,000 | $1,033,000 |
| VA-guaranteed (Veterans Administration) | 62 | $12,680,000 | $204,000 | $417,000 | $74,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $8,227,000 | $134,000 | $281,000 | $47,000 | $85,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,640,000 | $149,000 | $255,000 | $57,000 | $111,000 |
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 | 397 | $70,602,000 | $177,000 | $2,100,000 | $93,000 | $1,033,000 |
| Application Denied By Financial Institution | 40 | $5,387,000 | $134,000 | $350,000 | $66,000 | $327,000 |
| Application Withdrawn By Applicant | 30 | $4,309,000 | $143,000 | $400,000 | $80,000 | $247,000 |
| File Closed For Incompleteness | 1 | $65,000 | $65,000 | $65,000 | $61,000 | $61,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $2,202,000 | $122,000 | $350,000 | $76,000 | $327,000 |
| Debt-To-Income Ratio | 14 | $2,230,000 | $159,000 | $298,000 | $47,000 | $96,000 |
| Collateral | 5 | $580,000 | $116,000 | $175,000 | $66,000 | $120,000 |
| Mortgage Insurance Denied | 1 | $174,000 | $174,000 | $174,000 | $45,000 | $45,000 |
| Other | 1 | $136,000 | $136,000 | $136,000 | $46,000 | $46,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $171,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank's 2013 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'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.