Lender in South Dakota · HMDA 2025
First Bank & Trust mortgages in South Dakota
First Bank & Trust's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
First Bank & Trust originated 492 owner-occupied single-family loans in South Dakota from 561 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $5,140 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.375% (South Dakota: 6.49%).
Loans in SD
492
of 561 applications
Denial rate
11.9%
Purchase · SD 6.9%
Rate spread
−0.07 pts
Conv. · SD +0.03 pts
Loan amount
$265,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 513 | 452 | 11.9% | 6.375% | −0.07 pts | $5,140 | $265,000 |
| Refinance | 30 | 26 | 13.3% | — | −0.15 pts | $3,860 | $185,000 |
| Cash-out refinance | 18 | 14 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where First Bank & Trust ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Brookings County | 1 | 105 | 31.6% |
| Codington County | 1 | 49 | 14.3% |
| Grant County | 1 | 36 | 45.0% |
| Deuel County | 1 | 9 | 21.9% |
| Roberts County | 1 | 9 | 19.6% |
| Kingsbury County | 2 | 9 | 15.3% |
| Hamlin County | 3 | 11 | 13.3% |
| McCook County | 3 | 6 | 6.7% |
| Lake County | 4 | 15 | 10.1% |
| Moody County | 4 | 5 | 8.6% |
| Clark County | 4 | 2 | 7.1% |
| Lincoln County | 5 | 68 | 5.1% |
| Day County | 5 | 2 | 5.7% |
| Sully County | 6 | 1 | 5.9% |
| Minnehaha County | 7 | 142 | 4.6% |
| Clay County | 7 | 5 | 3.7% |
| Turner County | 7 | 5 | 4.3% |
| Miner County | 8 | 1 | 7.1% |
| Stanley County | 9 | 1 | 4.3% |
| Hanson County | 11 | 1 | 2.9% |
| Davison County | 12 | 4 | 1.8% |
| Brule County | 13 | 1 | 3.3% |
| Hughes County | 14 | 2 | 1.0% |
| Hutchinson County | 21 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology