First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First National Bank 2021 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 | 726 |
| Total Mortgage Loan Application Amount | $237,660,000 |
| Average Mortgage Loan Application Amount | $269,000 |
| Highest Mortgage Loan Application Amount | $9,155,000 |
| Average Applicant Income | $102,250 |
| Highest Applicant Income | $1,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hughes County South Dakota | 93 | $ 20,165,000 | $ 216,000 | $ 105,000 |
| Pennington County South Dakota | 86 | $ 22,330,000 | $ 259,000 | $ 96,000 |
| Beadle County South Dakota | 63 | $ 11,785,000 | $ 187,000 | $ 71,000 |
| Weld County Colorado | 47 | $ 17,755,000 | $ 377,000 | $ 162,000 |
| Larimer County Colorado | 41 | $ 17,755,000 | $ 433,000 | $ 279,000 |
| Lawrence County South Dakota | 34 | $ 9,900,000 | $ 291,000 | $ 126,000 |
| Meade County South Dakota | 32 | $ 7,100,000 | $ 221,000 | $ 114,000 |
| Stanley County South Dakota | 22 | $ 5,770,000 | $ 262,000 | $ 98,000 |
| Denver County Colorado | 14 | $ 21,650,000 | $ 1,546,000 | $ 127,000 |
| Butte County South Dakota | 13 | $ 1,955,000 | $ 150,000 | $ 80,000 |
| Dakota County Minnesota | 12 | $ 3,360,000 | $ 280,000 | $ 174,000 |
| Scott County Minnesota | 12 | $ 5,220,000 | $ 435,000 | $ 174,000 |
| Washoe County Nevada | 10 | $ 4,270,000 | $ 427,000 | $ 104,000 |
| Hennepin County Minnesota | 9 | $ 2,745,000 | $ 305,000 | $ 134,000 |
| Jackson County Minnesota | 9 | $ 995,000 | $ 110,000 | $ 80,000 |
| Douglas County Colorado | 6 | $ 4,440,000 | $ 740,000 | $ 136,000 |
| Murray County Minnesota | 6 | $ 690,000 | $ 115,000 | $ 85,000 |
| Minnehaha County South Dakota | 6 | $ 2,060,000 | $ 343,000 | $ 102,000 |
| Adams County Colorado | 5 | $ 2,415,000 | $ 483,000 | $ 101,000 |
| Arapahoe County Colorado | 5 | $ 1,905,000 | $ 381,000 | $ 288,000 |
| Jefferson County Colorado | 5 | $ 5,705,000 | $ 1,141,000 | $ 0 |
| Carver County Minnesota | 5 | $ 1,615,000 | $ 323,000 | $ 123,000 |
| Garfield County Oklahoma | 5 | $ 1,105,000 | $ 221,000 | $ 112,000 |
| Lincoln County South Dakota | 5 | $ 835,000 | $ 167,000 | $ 116,000 |
| Spink County South Dakota | 5 | $ 455,000 | $ 91,000 | $ 82,000 |
| Turner County South Dakota | 5 | $ 885,000 | $ 177,000 | $ 86,000 |
| El Paso County Colorado | 4 | $ 5,630,000 | $ 1,407,000 | $ 105,000 |
| Le Sueur County Minnesota | 4 | $ 1,530,000 | $ 382,000 | $ 138,000 |
| Ramsey County Minnesota | 4 | $ 1,030,000 | $ 257,000 | $ 198,000 |
| Douglas County Nebraska | 4 | $ 780,000 | $ 195,000 | $ 102,000 |
| Bon Homme County South Dakota | 4 | $ 720,000 | $ 180,000 | $ 64,000 |
| Davison County South Dakota | 4 | $ 1,270,000 | $ 317,000 | $ 134,000 |
| Fall River County South Dakota | 4 | $ 970,000 | $ 242,000 | $ 63,000 |
| Sully County South Dakota | 4 | $ 650,000 | $ 162,000 | $ 114,000 |
| Lee County Florida | 3 | $ 935,000 | $ 311,000 | $ 196,000 |
| Rice County Minnesota | 3 | $ 825,000 | $ 275,000 | $ 66,000 |
| Sarpy County Nebraska | 3 | $ 725,000 | $ 241,000 | $ 153,000 |
| Kingsbury County South Dakota | 3 | $ 435,000 | $ 145,000 | $ 71,000 |
| Montgomery County Tennessee | 3 | $ 755,000 | $ 251,000 | $ 86,000 |
| Maricopa County Arizona | 2 | $ 720,000 | $ 360,000 | $ 139,000 |
| Boulder County Colorado | 2 | $ 850,000 | $ 425,000 | $ 67,000 |
| Grand County Colorado | 2 | $ 600,000 | $ 300,000 | $ 116,000 |
| Taylor County Florida | 2 | $ 450,000 | $ 225,000 | $ 44,000 |
| Cobb County Georgia | 2 | $ 720,000 | $ 360,000 | $ 103,000 |
| Johnson County Kansas | 2 | $ 550,000 | $ 275,000 | $ 103,000 |
| Kandiyohi County Minnesota | 2 | $ 550,000 | $ 275,000 | $ 82,000 |
| Washington County Minnesota | 2 | $ 660,000 | $ 330,000 | $ 62,000 |
| Boone County Missouri | 2 | $ 290,000 | $ 145,000 | $ 177,000 |
| Cherry County Nebraska | 2 | $ 850,000 | $ 425,000 | $ 92,000 |
| Lancaster County Nebraska | 2 | $ 860,000 | $ 430,000 | $ 190,000 |
| Codington County South Dakota | 2 | $ 390,000 | $ 195,000 | $ 67,000 |
| Hamlin County South Dakota | 2 | $ 950,000 | $ 475,000 | $ 316,000 |
| Union County South Dakota | 2 | $ 430,000 | $ 215,000 | $ 64,000 |
| Yankton County South Dakota | 2 | $ 370,000 | $ 185,000 | $ 51,000 |
| Bexar County Texas | 2 | $ 280,000 | $ 140,000 | $ 361,000 |
| Taylor County Texas | 2 | $ 440,000 | $ 220,000 | $ 163,000 |
| King County Washington | 2 | $ 1,250,000 | $ 625,000 | $ 152,000 |
| Laramie County Wyoming | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Mohave County Arizona | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Benton County Arkansas | 1 | $ 285,000 | $ 285,000 | $ 165,000 |
| El Dorado County California | 1 | $ 585,000 | $ 585,000 | $ 346,000 |
| Los Angeles County California | 1 | $ 365,000 | $ 365,000 | $ 187,000 |
| Mono County California | 1 | $ 375,000 | $ 375,000 | $ 350,000 |
| Broomfield County Colorado | 1 | $ 1,835,000 | $ 1,835,000 | $ 0 |
| Eagle County Colorado | 1 | $ 545,000 | $ 545,000 | $ 159,000 |
| Elbert County Colorado | 1 | $ 565,000 | $ 565,000 | $ 360,000 |
| Huerfano County Colorado | 1 | $ 255,000 | $ 255,000 | $ 850,000 |
| Mesa County Colorado | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 445,000 | $ 445,000 | $ 145,000 |
| Summit County Colorado | 1 | $ 505,000 | $ 505,000 | $ 303,000 |
| Lake County Florida | 1 | $ 255,000 | $ 255,000 | $ 182,000 |
| Okaloosa County Florida | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Forsyth County Georgia | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Hall County Georgia | 1 | $ 245,000 | $ 245,000 | $ 58,000 |
| Ada County Idaho | 1 | $ 9,155,000 | $ 9,155,000 | $ 0 |
| Kankakee County Illinois | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| Rock Island County Illinois | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Scott County Iowa | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Woodbury County Iowa | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Fayette County Kentucky | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| Howard County Maryland | 1 | $ 505,000 | $ 505,000 | $ 166,000 |
| Prince George's County Maryland | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Iosco County Michigan | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Cass County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 176,000 |
| McLeod County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 111,000 |
| Morrison County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Nobles County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Otter Tail County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 80,000 |
| Sherburne County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 146,000 |
| Johnson County Missouri | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Cass County Nebraska | 1 | $ 245,000 | $ 245,000 | $ 234,000 |
| Lincoln County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Red Willow County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Saunders County Nebraska | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Sheridan County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Carson City County Nevada | 1 | $ 315,000 | $ 315,000 | $ 60,000 |
| Clark County Nevada | 1 | $ 135,000 | $ 135,000 | $ 252,000 |
| Douglas County Nevada | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Bernalillo County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Curry County New Mexico | 1 | $ 385,000 | $ 385,000 | $ 97,000 |
| Dona Ana County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Sandoval County New Mexico | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Wake County North Carolina | 1 | $ 555,000 | $ 555,000 | $ 765,000 |
| Sioux County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Ward County North Dakota | 1 | $ 365,000 | $ 365,000 | $ 179,000 |
| Greene County Ohio | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Stark County Ohio | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Clackamas County Oregon | 1 | $ 515,000 | $ 515,000 | $ 106,000 |
| Deschutes County Oregon | 1 | $ 505,000 | $ 505,000 | $ 121,000 |
| Bucks County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 178,000 |
| Brown County South Dakota | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Custer County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Hand County South Dakota | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Harding County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| Hutchinson County South Dakota | 1 | $ 165,000 | $ 165,000 | $ 94,000 |
| Jerauld County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Marshall County South Dakota | 1 | $ 355,000 | $ 355,000 | $ 165,000 |
| McCook County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Potter County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Sanborn County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Davidson County Tennessee | 1 | $ 545,000 | $ 545,000 | $ 93,000 |
| Robertson County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 60,000 |
| Collin County Texas | 1 | $ 465,000 | $ 465,000 | $ 222,000 |
| Dallas County Texas | 1 | $ 675,000 | $ 675,000 | $ 357,000 |
| Guadalupe County Texas | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Harris County Texas | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Montgomery County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tarrant County Texas | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
| Travis County Texas | 1 | $ 545,000 | $ 545,000 | $ 350,000 |
| Williamson County Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Carbon County Utah | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| James City County Virginia | 1 | $ 855,000 | $ 855,000 | $ 164,000 |
| Norfolk County Virginia | 1 | $ 245,000 | $ 245,000 | $ 159,000 |
| Spokane County Washington | 1 | $ 545,000 | $ 545,000 | $ 121,000 |
| Burnett County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Dane County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Eau Claire County Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 281,000 |
| Polk County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 131,000 |
| Portage County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| St. Croix County Wisconsin | 1 | $ 625,000 | $ 625,000 | $ 106,000 |
| Albany County Wyoming | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Crook County Wyoming | 1 | $ 455,000 | $ 455,000 | $ 185,000 |
| Johnson County Wyoming | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Platte County Wyoming | 1 | $ 125,000 | $ 125,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank in 2021
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 | 358 | $138,600,000 | $387,000 | $9,155,000 | $125,000 | $1,600,000 |
| Refinancing | 218 | $61,360,000 | $281,000 | $3,135,000 | $130,000 | $1,295,000 |
| Cash-out Refinancing | 144 | $36,780,000 | $255,000 | $755,000 | $106,000 | $555,000 |
| Home Improvement | 6 | $920,000 | $153,000 | $485,000 | $48,000 | $54,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 520 | $136,210,000 | $261,000 | $875,000 | $121,000 | $1,600,000 |
| Not applicable | 94 | $72,640,000 | $772,000 | $9,155,000 | $0 | $0 |
| Not Provided | 46 | $12,160,000 | $264,000 | $675,000 | $131,000 | $363,000 |
| Hispanic | 22 | $5,510,000 | $250,000 | $675,000 | $89,000 | $252,000 |
| American Indian or Alaskan Native | 19 | $3,955,000 | $208,000 | $575,000 | $102,000 | $247,000 |
| Asian | 14 | $4,210,000 | $300,000 | $675,000 | $218,000 | $738,000 |
| Black or African American | 8 | $2,130,000 | $266,000 | $405,000 | $106,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $610,000 | $305,000 | $325,000 | $91,000 | $134,000 |
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) | 622 | $212,330,000 | $341,000 | $9,155,000 | $129,000 | $1,600,000 |
| VA-guaranteed (Veterans Administration) | 48 | $14,810,000 | $308,000 | $855,000 | $105,000 | $351,000 |
| FHA-insured (Federal Housing Administration) | 38 | $7,430,000 | $195,000 | $615,000 | $59,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,090,000 | $171,000 | $405,000 | $53,000 | $110,000 |
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 | 597 | $202,045,000 | $338,000 | $9,155,000 | $121,000 | $1,600,000 |
| Application Withdrawn By Applicant | 76 | $20,970,000 | $275,000 | $755,000 | $135,000 | $1,295,000 |
| Application Denied By Financial Institution | 52 | $14,210,000 | $273,000 | $975,000 | $107,000 | $457,000 |
| Application Approved But Not Accepted | 1 | $435,000 | $435,000 | $435,000 | $0 | $0 |
| 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 | 674 | $223,450,000 | $331,000 | $9,155,000 | $123,000 | $1,600,000 |
| Debt-To-Income Ratio | 16 | $4,670,000 | $291,000 | $595,000 | $59,000 | $116,000 |
| Credit History | 10 | $2,910,000 | $291,000 | $975,000 | $91,000 | $181,000 |
| Unverifiable Information | 9 | $2,925,000 | $325,000 | $625,000 | $138,000 | $360,000 |
| Collateral | 6 | $1,280,000 | $213,000 | $405,000 | $138,000 | $350,000 |
| Credit Application Incomplete | 6 | $1,190,000 | $198,000 | $365,000 | $180,000 | $457,000 |
| Other | 3 | $1,035,000 | $345,000 | $765,000 | $167,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $145,000 | $43,000 | $54,000 |
| Mortgage Insurance Denied | 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 2021 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.