First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First National Bank 2020 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 | 1,022 |
| Total Mortgage Loan Application Amount | $272,750,000 |
| Average Mortgage Loan Application Amount | $233,600 |
| Highest Mortgage Loan Application Amount | $3,975,000 |
| Average Applicant Income | $152,800 |
| Highest Applicant Income | $1,110,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 225 | $ 52,935,000 | $ 235,000 | $ 106,000 |
| Hughes County South Dakota | 110 | $ 23,240,000 | $ 211,000 | $ 129,000 |
| Beadle County South Dakota | 74 | $ 13,560,000 | $ 183,000 | $ 90,000 |
| Meade County South Dakota | 62 | $ 16,160,000 | $ 260,000 | $ 96,000 |
| Larimer County Colorado | 43 | $ 18,355,000 | $ 426,000 | $ 166,000 |
| Weld County Colorado | 37 | $ 13,505,000 | $ 365,000 | $ 161,000 |
| Lawrence County South Dakota | 34 | $ 8,910,000 | $ 262,000 | $ 94,000 |
| Stanley County South Dakota | 24 | $ 6,200,000 | $ 258,000 | $ 199,000 |
| Hennepin County Minnesota | 20 | $ 5,930,000 | $ 296,000 | $ 141,000 |
| Dakota County Minnesota | 18 | $ 5,080,000 | $ 282,000 | $ 161,000 |
| Scott County Minnesota | 17 | $ 6,365,000 | $ 374,000 | $ 152,000 |
| Arapahoe County Colorado | 16 | $ 8,200,000 | $ 512,000 | $ 144,000 |
| Montgomery County Tennessee | 12 | $ 3,260,000 | $ 271,000 | $ 123,000 |
| Douglas County Nebraska | 11 | $ 2,525,000 | $ 229,000 | $ 152,000 |
| Turner County South Dakota | 11 | $ 2,555,000 | $ 232,000 | $ 86,000 |
| Union County South Dakota | 11 | $ 1,685,000 | $ 153,000 | $ 82,000 |
| Jackson County Minnesota | 9 | $ 1,085,000 | $ 120,000 | $ 63,000 |
| Butte County South Dakota | 9 | $ 1,285,000 | $ 142,000 | $ 55,000 |
| Custer County South Dakota | 9 | $ 2,035,000 | $ 226,000 | $ 76,000 |
| Adams County Colorado | 8 | $ 6,630,000 | $ 828,000 | $ 159,000 |
| Denver County Colorado | 8 | $ 3,350,000 | $ 418,000 | $ 212,000 |
| Bon Homme County South Dakota | 8 | $ 1,040,000 | $ 130,000 | $ 56,000 |
| Sully County South Dakota | 8 | $ 1,850,000 | $ 231,000 | $ 139,000 |
| Kingsbury County South Dakota | 7 | $ 1,185,000 | $ 169,000 | $ 71,000 |
| Lincoln County South Dakota | 7 | $ 1,375,000 | $ 196,000 | $ 199,000 |
| Sarpy County Nebraska | 6 | $ 1,640,000 | $ 273,000 | $ 102,000 |
| Washoe County Nevada | 6 | $ 2,300,000 | $ 383,000 | $ 231,000 |
| Hamlin County South Dakota | 6 | $ 1,260,000 | $ 210,000 | $ 72,000 |
| Spink County South Dakota | 6 | $ 1,650,000 | $ 275,000 | $ 186,000 |
| Laramie County Wyoming | 6 | $ 1,640,000 | $ 273,000 | $ 110,000 |
| Minnehaha County South Dakota | 5 | $ 1,075,000 | $ 215,000 | $ 79,000 |
| Taylor County Texas | 5 | $ 1,355,000 | $ 271,000 | $ 142,000 |
| Mohave County Arizona | 4 | $ 1,070,000 | $ 267,000 | $ 77,000 |
| El Paso County Colorado | 4 | $ 1,670,000 | $ 417,000 | $ 102,000 |
| Anoka County Minnesota | 4 | $ 1,580,000 | $ 395,000 | $ 150,000 |
| Murray County Minnesota | 4 | $ 460,000 | $ 115,000 | $ 90,000 |
| Ramsey County Minnesota | 4 | $ 1,000,000 | $ 250,000 | $ 142,000 |
| Rice County Minnesota | 4 | $ 1,500,000 | $ 375,000 | $ 120,000 |
| Washington County Minnesota | 4 | $ 1,330,000 | $ 332,000 | $ 183,000 |
| Clay County South Dakota | 4 | $ 580,000 | $ 145,000 | $ 73,000 |
| Lake County South Dakota | 4 | $ 1,030,000 | $ 257,000 | $ 179,000 |
| Maricopa County Arizona | 3 | $ 885,000 | $ 295,000 | $ 161,000 |
| Boulder County Colorado | 3 | $ 785,000 | $ 261,000 | $ 87,000 |
| Douglas County Colorado | 3 | $ 1,345,000 | $ 448,000 | $ 263,000 |
| Hall County Georgia | 3 | $ 465,000 | $ 155,000 | $ 38,000 |
| Scott County Iowa | 3 | $ 935,000 | $ 311,000 | $ 185,000 |
| Le Sueur County Minnesota | 3 | $ 905,000 | $ 301,000 | $ 124,000 |
| Wright County Minnesota | 3 | $ 925,000 | $ 308,000 | $ 200,000 |
| Davison County South Dakota | 3 | $ 605,000 | $ 201,000 | $ 210,000 |
| Dallas County Texas | 3 | $ 1,225,000 | $ 408,000 | $ 296,000 |
| Tarrant County Texas | 3 | $ 985,000 | $ 328,000 | $ 147,000 |
| Riverside County California | 2 | $ 580,000 | $ 290,000 | $ 210,000 |
| Grand County Colorado | 2 | $ 560,000 | $ 280,000 | $ 227,000 |
| Summit County Colorado | 2 | $ 3,360,000 | $ 1,680,000 | $ 0 |
| Monroe County Florida | 2 | $ 910,000 | $ 455,000 | $ 119,000 |
| Elkhart County Indiana | 2 | $ 620,000 | $ 310,000 | $ 62,000 |
| Johnson County Kansas | 2 | $ 440,000 | $ 220,000 | $ 113,000 |
| Bristol County Massachusetts | 2 | $ 450,000 | $ 225,000 | $ 86,000 |
| Carver County Minnesota | 2 | $ 1,000,000 | $ 500,000 | $ 151,000 |
| Nicollet County Minnesota | 2 | $ 790,000 | $ 395,000 | $ 196,000 |
| Cass County Nebraska | 2 | $ 600,000 | $ 300,000 | $ 173,000 |
| Cherry County Nebraska | 2 | $ 510,000 | $ 255,000 | $ 155,000 |
| Clark County Nevada | 2 | $ 720,000 | $ 360,000 | $ 181,000 |
| Lincoln County New Mexico | 2 | $ 710,000 | $ 355,000 | $ 153,000 |
| Sierra County New Mexico | 2 | $ 200,000 | $ 100,000 | $ 55,000 |
| Ward County North Dakota | 2 | $ 510,000 | $ 255,000 | $ 132,000 |
| Fall River County South Dakota | 2 | $ 380,000 | $ 190,000 | $ 35,000 |
| Potter County South Dakota | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Sanborn County South Dakota | 2 | $ 310,000 | $ 155,000 | $ 120,000 |
| Robertson County Tennessee | 2 | $ 550,000 | $ 275,000 | $ 82,000 |
| Williamson County Tennessee | 2 | $ 760,000 | $ 380,000 | $ 84,000 |
| Bexar County Texas | 2 | $ 650,000 | $ 325,000 | $ 153,000 |
| Matanuska-Susitna County Alaska | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Pinal County Arizona | 1 | $ 515,000 | $ 515,000 | $ 470,000 |
| Gunnison County Colorado | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Hinsdale County Colorado | 1 | $ 375,000 | $ 375,000 | $ 442,000 |
| Jefferson County Colorado | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Saguache County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Washington County Colorado | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Flagler County Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Hernando County Florida | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Manatee County Florida | 1 | $ 595,000 | $ 595,000 | $ 109,000 |
| Pinellas County Florida | 1 | $ 335,000 | $ 335,000 | $ 155,000 |
| Cobb County Georgia | 1 | $ 455,000 | $ 455,000 | $ 129,000 |
| Hamilton County Indiana | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Johnson County Iowa | 1 | $ 145,000 | $ 145,000 | $ 715,000 |
| Pottawatomie County Kansas | 1 | $ 495,000 | $ 495,000 | $ 129,000 |
| Sedgwick County Kansas | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Bossier County Louisiana | 1 | $ 325,000 | $ 325,000 | $ 79,000 |
| Prince George's County Maryland | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Blue Earth County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Cottonwood County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Dodge County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 140,000 |
| Itasca County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 85,000 |
| Kandiyohi County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Mille Lacs County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 24,000 |
| Nobles County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Olmsted County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Stearns County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Steele County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Johnson County Missouri | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Yellowstone County Montana | 1 | $ 285,000 | $ 285,000 | $ 53,000 |
| Dawes County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Lancaster County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 277,000 |
| Saunders County Nebraska | 1 | $ 405,000 | $ 405,000 | $ 82,000 |
| Scotts Bluff County Nebraska | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
| Stanton County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Grant County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Guilford County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 1,110,000 |
| Wake County North Carolina | 1 | $ 475,000 | $ 475,000 | $ 224,000 |
| Sargent County North Dakota | 1 | $ 245,000 | $ 245,000 | $ 159,000 |
| Warren County Ohio | 1 | $ 375,000 | $ 375,000 | $ 135,000 |
| Canadian County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Garfield County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Brookings County South Dakota | 1 | $ 485,000 | $ 485,000 | $ 274,000 |
| Brule County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Codington County South Dakota | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Day County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 361,000 |
| Dewey County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Haakon County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Hand County South Dakota | 1 | $ 265,000 | $ 265,000 | $ 234,000 |
| Hyde County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Jerauld County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Jones County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| McCook County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Perkins County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Roberts County South Dakota | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Tripp County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 87,000 |
| Blount County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 234,000 |
| Davidson County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Dyer County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Callahan County Texas | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Comal County Texas | 1 | $ 475,000 | $ 475,000 | $ 151,000 |
| Harris County Texas | 1 | $ 315,000 | $ 315,000 | $ 187,000 |
| Montgomery County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Val Verde County Texas | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Victoria County Texas | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Loudoun County Virginia | 1 | $ 375,000 | $ 375,000 | $ 149,000 |
| Asotin County Washington | 1 | $ 455,000 | $ 455,000 | $ 177,000 |
| Clallam County Washington | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Skagit County Washington | 1 | $ 335,000 | $ 335,000 | $ 93,000 |
| Thurston County Washington | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Monongalia County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Burnett County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 175,000 |
| Pierce County Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 108,000 |
| St. Croix County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Crook County Wyoming | 1 | $ 325,000 | $ 325,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2020
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 | 460 | $119,990,000 | $260,000 | $815,000 | $138,000 | $715,000 |
| Home Purchase | 361 | $104,055,000 | $288,000 | $3,975,000 | $99,000 | $715,000 |
| Cash-out Refinancing | 189 | $46,625,000 | $246,000 | $1,335,000 | $130,000 | $1,110,000 |
| Home Improvement | 9 | $1,435,000 | $159,000 | $405,000 | $212,000 | $580,000 |
| Other Purpose | 3 | $645,000 | $215,000 | $375,000 | $185,000 | $264,000 |
| 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 | 857 | $212,375,000 | $247,000 | $1,335,000 | $118,000 | $1,103,000 |
| Not applicable | 57 | $28,975,000 | $508,000 | $3,975,000 | $0 | $0 |
| Not Provided | 33 | $9,515,000 | $288,000 | $575,000 | $138,000 | $470,000 |
| Hispanic | 29 | $8,755,000 | $301,000 | $665,000 | $174,000 | $715,000 |
| Asian | 18 | $5,730,000 | $318,000 | $515,000 | $247,000 | $1,110,000 |
| Black or African American | 12 | $4,120,000 | $343,000 | $595,000 | $193,000 | $382,000 |
| American Indian or Alaskan Native | 12 | $1,950,000 | $162,000 | $235,000 | $80,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $96,000 | $96,000 |
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) | 838 | $224,140,000 | $267,000 | $3,975,000 | $129,000 | $1,110,000 |
| VA-guaranteed (Veterans Administration) | 133 | $39,475,000 | $296,000 | $1,335,000 | $110,000 | $1,103,000 |
| FHA-insured (Federal Housing Administration) | 30 | $5,820,000 | $194,000 | $335,000 | $59,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,315,000 | $157,000 | $255,000 | $54,000 | $88,000 |
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 | 824 | $226,530,000 | $274,000 | $3,975,000 | $126,000 | $1,103,000 |
| Application Withdrawn By Applicant | 132 | $31,760,000 | $240,000 | $815,000 | $130,000 | $1,110,000 |
| Application Denied By Financial Institution | 63 | $13,885,000 | $220,000 | $805,000 | $79,000 | $324,000 |
| Application Approved But Not Accepted | 3 | $575,000 | $191,000 | $235,000 | $81,000 | $81,000 |
| 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 | 959 | $258,865,000 | $269,000 | $3,975,000 | $127,000 | $1,110,000 |
| Debt-To-Income Ratio | 27 | $6,815,000 | $252,000 | $805,000 | $72,000 | $178,000 |
| Credit History | 22 | $3,330,000 | $151,000 | $265,000 | $79,000 | $259,000 |
| Collateral | 7 | $1,385,000 | $197,000 | $685,000 | $63,000 | $181,000 |
| Other | 3 | $795,000 | $265,000 | $405,000 | $106,000 | $170,000 |
| Unverifiable Information | 2 | $600,000 | $300,000 | $405,000 | $68,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $104,000 | $104,000 |
| Credit Application Incomplete | 1 | $665,000 | $665,000 | $665,000 | $324,000 | $324,000 |
| Employment History | 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 National Bank's 2020 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.