Lender in South Dakota · HMDA 2025
First Dakota National Bank mortgages in South Dakota
First Dakota National Bank's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
First Dakota National Bank originated 427 owner-occupied single-family loans in South Dakota from 448 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $2,520 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
427
of 448 applications
Denial rate
4.0%
Purchase · SD 6.9%
Rate spread
−0.09 pts
Conv. · SD +0.03 pts
Loan amount
$285,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 350 | 336 | 4.0% | 6.375% | −0.09 pts | $2,520 | $285,000 |
| Refinance | 63 | 59 | 6.3% | 6.500% | +0.01 pts | $2,500 | $305,000 |
| Cash-out refinance | 35 | 32 | 8.6% | 6.500% | +0.11 pts | $2,940 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where First Dakota National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yankton County | 1 | 71 | 28.7% |
| Bon Homme County | 1 | 13 | 23.2% |
| Brule County | 1 | 6 | 20.0% |
| Hanson County | 1 | 5 | 14.3% |
| Clay County | 2 | 22 | 16.4% |
| McCook County | 2 | 10 | 11.1% |
| Sanborn County | 2 | 2 | 18.2% |
| Davison County | 3 | 29 | 13.2% |
| Hughes County | 3 | 18 | 9.2% |
| Hutchinson County | 3 | 7 | 8.6% |
| Stanley County | 4 | 2 | 8.7% |
| Charles Mix County | 5 | 3 | 7.3% |
| Minnehaha County | 6 | 146 | 4.8% |
| Union County | 6 | 12 | 5.1% |
| Douglas County | 6 | 2 | 7.7% |
| Lincoln County | 7 | 58 | 4.4% |
| Miner County | 9 | 1 | 7.1% |
| Turner County | 10 | 5 | 4.3% |
| McPherson County | 10 | 1 | 6.3% |
| Potter County | 10 | 1 | 5.9% |
| Brookings County | 11 | 6 | 1.8% |
| Aurora County | 11 | 1 | 5.9% |
| Clark County | 11 | 1 | 3.6% |
| Deuel County | 17 | 1 | 2.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology