First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
First National Bank 2019 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 | 492 |
| Total Mortgage Loan Application Amount | $132,130,000 |
| Average Mortgage Loan Application Amount | $198,400 |
| Highest Mortgage Loan Application Amount | $5,145,000 |
| Average Applicant Income | $113,800 |
| Highest Applicant Income | $4,201,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 166 | $ 39,500,000 | $ 237,000 | $ 91,000 |
| Meade County South Dakota | 41 | $ 9,835,000 | $ 239,000 | $ 127,000 |
| Beadle County South Dakota | 33 | $ 6,755,000 | $ 204,000 | $ 83,000 |
| Hughes County South Dakota | 32 | $ 7,780,000 | $ 243,000 | $ 119,000 |
| Lawrence County South Dakota | 21 | $ 4,705,000 | $ 224,000 | $ 127,000 |
| Weld County Colorado | 14 | $ 4,530,000 | $ 323,000 | $ 1,347,000 |
| Larimer County Colorado | 12 | $ 5,150,000 | $ 429,000 | $ 332,000 |
| Butte County South Dakota | 11 | $ 1,715,000 | $ 155,000 | $ 72,000 |
| Stanley County South Dakota | 11 | $ 2,615,000 | $ 237,000 | $ 166,000 |
| Fall River County South Dakota | 9 | $ 1,345,000 | $ 149,000 | $ 82,000 |
| Scott County Minnesota | 8 | $ 2,690,000 | $ 336,000 | $ 167,000 |
| Arapahoe County Colorado | 6 | $ 4,900,000 | $ 816,000 | $ 207,000 |
| Douglas County Colorado | 5 | $ 2,005,000 | $ 401,000 | $ 141,000 |
| Douglas County Nebraska | 5 | $ 905,000 | $ 181,000 | $ 96,000 |
| Custer County South Dakota | 5 | $ 1,155,000 | $ 231,000 | $ 101,000 |
| Kingsbury County South Dakota | 5 | $ 545,000 | $ 109,000 | $ 55,000 |
| Adams County Colorado | 4 | $ 2,750,000 | $ 687,000 | $ 241,000 |
| Denver County Colorado | 4 | $ 6,430,000 | $ 1,607,000 | $ 109,000 |
| Dakota County Minnesota | 4 | $ 880,000 | $ 220,000 | $ 199,000 |
| Sully County South Dakota | 4 | $ 750,000 | $ 187,000 | $ 62,000 |
| Montgomery County Tennessee | 4 | $ 1,180,000 | $ 295,000 | $ 139,000 |
| Hennepin County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 78,000 |
| Anoka County Minnesota | 2 | $ 860,000 | $ 430,000 | $ 187,000 |
| Murray County Minnesota | 2 | $ 330,000 | $ 165,000 | $ 137,000 |
| Nicollet County Minnesota | 2 | $ 650,000 | $ 325,000 | $ 149,000 |
| Rice County Minnesota | 2 | $ 930,000 | $ 465,000 | $ 137,000 |
| Sibley County Minnesota | 2 | $ 550,000 | $ 275,000 | $ 96,000 |
| Washington County Minnesota | 2 | $ 490,000 | $ 245,000 | $ 65,000 |
| Thomas County Nebraska | 2 | $ 120,000 | $ 60,000 | $ 68,000 |
| Brookings County South Dakota | 2 | $ 450,000 | $ 225,000 | $ 66,000 |
| Brown County South Dakota | 2 | $ 290,000 | $ 145,000 | $ 51,000 |
| Jerauld County South Dakota | 2 | $ 100,000 | $ 50,000 | $ 230,000 |
| Lincoln County South Dakota | 2 | $ 500,000 | $ 250,000 | $ 109,000 |
| Yankton County South Dakota | 2 | $ 340,000 | $ 170,000 | $ 86,000 |
| Harris County Texas | 2 | $ 610,000 | $ 305,000 | $ 176,000 |
| Taylor County Texas | 2 | $ 540,000 | $ 270,000 | $ 125,000 |
| Laramie County Wyoming | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 385,000 | $ 385,000 | $ 286,000 |
| Matanuska-Susitna County Alaska | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| Maricopa County Arizona | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Pima County Arizona | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Benton County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 263,000 |
| Broomfield County Colorado | 1 | $ 365,000 | $ 365,000 | $ 44,000 |
| Eagle County Colorado | 1 | $ 595,000 | $ 595,000 | $ 417,000 |
| Elbert County Colorado | 1 | $ 575,000 | $ 575,000 | $ 56,000 |
| Garfield County Colorado | 1 | $ 295,000 | $ 295,000 | $ 333,000 |
| La Plata County Colorado | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Summit County Colorado | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 365,000 | $ 365,000 | $ 155,000 |
| Chatham County Georgia | 1 | $ 175,000 | $ 175,000 | $ 156,000 |
| Kauai County Hawaii | 1 | $ 715,000 | $ 715,000 | $ 471,000 |
| Mercer County Illinois | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Scott County Iowa | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Johnson County Kansas | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Pottawatomie County Kansas | 1 | $ 485,000 | $ 485,000 | $ 132,000 |
| Blue Earth County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Dodge County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Goodhue County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Jackson County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 119,000 |
| Le Sueur County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 256,000 |
| Mower County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Olmsted County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| St. Louis County Minnesota | 1 | $ 295,000 | $ 295,000 | $ 101,000 |
| Camden County Missouri | 1 | $ 335,000 | $ 335,000 | $ 206,000 |
| Johnson County Missouri | 1 | $ 295,000 | $ 295,000 | $ 89,000 |
| St. Francois County Missouri | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Yellowstone County Montana | 1 | $ 285,000 | $ 285,000 | $ 51,000 |
| Cherry County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Lancaster County Nebraska | 1 | $ 245,000 | $ 245,000 | $ 270,000 |
| Sarpy County Nebraska | 1 | $ 315,000 | $ 315,000 | $ 166,000 |
| Scotts Bluff County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Dona Ana County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Golden Valley County North Dakota | 1 | $ 205,000 | $ 205,000 | $ 246,000 |
| Kent County Rhode Island | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Bon Homme County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 32,000 |
| Codington County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Davison County South Dakota | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Day County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 353,000 |
| Gregory County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Hamlin County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 93,000 |
| Minnehaha County South Dakota | 1 | $ 345,000 | $ 345,000 | $ 98,000 |
| Tripp County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Union County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Blount County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 217,000 |
| Robertson County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 65,000 |
| Dallas County Texas | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Amherst County Virginia | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Colonial Heights County Virginia | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Spokane County Washington | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Wood County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Dane County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2019
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 | 317 | $86,025,000 | $271,000 | $5,145,000 | $142,000 | $4,201,000 |
| Refinancing | 108 | $30,990,000 | $286,000 | $1,725,000 | $128,000 | $713,000 |
| Cash-out Refinancing | 60 | $14,230,000 | $237,000 | $635,000 | $122,000 | $374,000 |
| Other Purpose | 5 | $815,000 | $163,000 | $245,000 | $83,000 | $104,000 |
| Home Improvement | 2 | $70,000 | $35,000 | $45,000 | $94,000 | $94,000 |
| 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 | 400 | $92,460,000 | $231,000 | $1,955,000 | $135,000 | $4,201,000 |
| Not applicable | 54 | $29,370,000 | $543,000 | $5,145,000 | $0 | $0 |
| Not Provided | 10 | $3,830,000 | $383,000 | $1,005,000 | $208,000 | $880,000 |
| Hispanic | 10 | $2,200,000 | $220,000 | $395,000 | $96,000 | $205,000 |
| Asian | 9 | $2,285,000 | $253,000 | $365,000 | $160,000 | $363,000 |
| American Indian or Alaskan Native | 7 | $1,375,000 | $196,000 | $245,000 | $80,000 | $140,000 |
| Black or African American | 2 | $610,000 | $305,000 | $385,000 | $129,000 | $139,000 |
| 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) | 351 | $100,685,000 | $286,000 | $5,145,000 | $162,000 | $4,201,000 |
| VA-guaranteed (Veterans Administration) | 88 | $22,880,000 | $260,000 | $1,005,000 | $84,000 | $214,000 |
| FHA-insured (Federal Housing Administration) | 35 | $5,755,000 | $164,000 | $325,000 | $58,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,810,000 | $156,000 | $235,000 | $59,000 | $90,000 |
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 | 395 | $106,745,000 | $270,000 | $5,145,000 | $146,000 | $4,201,000 |
| Application Withdrawn By Applicant | 58 | $14,340,000 | $247,000 | $1,955,000 | $104,000 | $540,000 |
| Application Denied By Financial Institution | 29 | $7,145,000 | $246,000 | $1,055,000 | $84,000 | $417,000 |
| Application Approved But Not Accepted | 10 | $3,900,000 | $390,000 | $1,145,000 | $47,000 | $61,000 |
| 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 | 434 | $114,990,000 | $264,000 | $5,145,000 | $111,000 | $1,390,000 |
| Debt-To-Income Ratio | 37 | $12,475,000 | $337,000 | $1,155,000 | $621,000 | $4,201,000 |
| Credit History | 10 | $1,030,000 | $103,000 | $225,000 | $35,000 | $60,000 |
| Collateral | 5 | $1,055,000 | $211,000 | $455,000 | $96,000 | $141,000 |
| Other | 4 | $1,420,000 | $355,000 | $625,000 | $223,000 | $417,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,055,000 | $1,055,000 | $1,055,000 | $0 | $0 |
| Mortgage Insurance Denied | 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's 2019 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.