First National Bank (South Dakota) mortgage approval rate & lending review
First National Bank (South Dakota) decided 291 mortgage applications and funded 270 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank (South Dakota) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank (South Dakota) at a glance
Approval is 8.6 points above the 84.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 139 / 148 | 100% | $295K | 139 |
| Investment property purchase | 97% | 74 / 76 | 100% | $325K | 74 |
First National Bank (South Dakota) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Dakota | 94% | $295K | 104 | 98 |
| Colorado | 90% | $355K | 81 | 73 |
| Wyoming | 97% | $355K | 36 | 35 |
| Minnesota | 100% | $345K | 35 | 35 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First National Bank (South Dakota) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pennington County, SD | Mortgage lenders | 96% | 53 | 51 |
| Weld County, CO | Investment property purchase | 100% | 21 | 21 |
| Pennington County, SD | Investment property purchase | 95% | 20 | 19 |
The county markets where First National Bank (South Dakota) made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank (South Dakota)
What is First National Bank (South Dakota)'s mortgage approval rate?
First National Bank (South Dakota) approved 92.8% of the 291 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 84.2% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank (South Dakota) offers?
Borrowers accepted 100% of the loans First National Bank (South Dakota) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First National Bank (South Dakota) make?
The typical home purchase mortgage loan First National Bank (South Dakota) made was $295K; across all loan types its typical loan ran from $295K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank (South Dakota) lend?
First National Bank (South Dakota) decided applications in 21 of the states Fat Boy Data covers, most of them in South Dakota, Colorado and Wyoming.
Can I apply to First National Bank (South Dakota) directly?
Yes. First National Bank (South Dakota) is a bank or credit union with 114 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank (South Dakota)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First National Bank (South Dakota) treats applications, then get a rate quote from the lender.