Lender in South Dakota · HMDA 2025
First International Bank & Trust mortgages in South Dakota
First International Bank & Trust's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
First International Bank & Trust originated 388 owner-occupied single-family loans in South Dakota from 399 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $3,650 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.50% (South Dakota: 6.49%).
Loans in SD
388
of 399 applications
Denial rate
1.3%
Purchase · SD 6.9%
Rate spread
+0.05 pts
Conv. · SD +0.03 pts
Loan amount
$295,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 319 | 313 | 1.3% | 6.500% | +0.05 pts | $3,650 | $295,000 |
| Refinance | 50 | 48 | 4.0% | 6.125% | −0.08 pts | $2,770 | $325,000 |
| Cash-out refinance | 30 | 27 | 10.0% | — | +0.35 pts | $3,820 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where First International Bank & Trust ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Edmunds County | 1 | 3 | 14.3% |
| Lincoln County | 2 | 114 | 8.6% |
| Minnehaha County | 3 | 217 | 7.1% |
| Yankton County | 4 | 11 | 4.5% |
| McCook County | 4 | 4 | 4.4% |
| Haakon County | 4 | 1 | 11.1% |
| Brule County | 6 | 2 | 6.7% |
| Clark County | 6 | 1 | 3.6% |
| Spink County | 7 | 1 | 4.2% |
| Beadle County | 8 | 2 | 1.4% |
| Hutchinson County | 9 | 2 | 2.5% |
| Walworth County | 9 | 1 | 2.9% |
| Gregory County | 10 | 1 | 3.7% |
| Turner County | 12 | 3 | 2.6% |
| Charles Mix County | 13 | 1 | 2.4% |
| Moody County | 13 | 1 | 1.7% |
| Union County | 14 | 5 | 2.1% |
| Davison County | 14 | 3 | 1.4% |
| Clay County | 14 | 2 | 1.5% |
| Lake County | 14 | 2 | 1.3% |
| Kingsbury County | 14 | 1 | 1.7% |
| Brookings County | 18 | 3 | 0.9% |
| Custer County | 18 | 1 | 0.9% |
| Codington County | 19 | 2 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology