Lenders › First International Bank & Trust › South Dakota
First International Bank & Trust in South Dakota
HMDA record for properties in South Dakota, calendar year 2024. National record · South Dakota overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In South Dakota, First International Bank & Trust reported 412 applications and 319 originations for 2024, $88m in all.
Its denial rate in the state was 8.8%, below the South Dakota rate of 17.0% across all lenders and compared with the lender's national rate of 7.5%.
The median rate spread on its South Dakota originations was 0.1 percentage points (state median 0.2).
Applications in the state were up 27% on 2023.
Compared with the state and the lender's national record
| Measure | In South Dakota | South Dakota, all lenders | First International Bank & Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.8% | 17.0% | 7.5% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.3% | 13.0% | 7.3% | 15.6% |
| Average originated loan | $275k | $256k | $289k | $329k |
| Home purchase share | 76.2% | 60.0% | 69.5% | 57.0% |
| FHA-insured share | 11.9% | 13.0% | 11.1% | 13.4% |
| VA-guaranteed share | 6.0% | 9.5% | 4.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Dakota, all lenders
Loan purpose and loan type in South Dakota
By purpose
Home purchase 76% (243)Home improvement 4% (12)Refinancing 12% (39)Cash-out refinancing 4% (12)Other purpose 4% (13)
By type
Conventional 81% (257)FHA 12% (38)VA 6% (19)USDA 2% (5)
Denial reasons as coded
Share of 31 denials in South Dakota by first denial reason coded (outlined bar: all lenders in the state).
Counties in South Dakota
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 228 | 176 | $50m | 8.7% |
| Lincoln County | 89 | 70 | $21m | 7.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First International Bank & Trust originate in South Dakota in 2024?
319 loans totalling $88m, from 412 applications reported for properties in South Dakota.
What is First International Bank & Trust's denial rate in South Dakota?
8.8% of decided applications in South Dakota were denied, against 17.0% for all lenders in the state and 7.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which South Dakota counties does First International Bank & Trust lend in most?
By originations: Minnehaha County (176), Lincoln County (70).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Dakota. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.