First Dakota National Bank
First Dakota National Bank received 753 applications in 2025 and made 633 mortgages, in 71 counties across 16 states. The median rate its borrowers got was 6.500% on a median loan of $275,000. Of 669 decisions, 32 were denials — 4.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300T1ONVEMLQ4B629 |
|---|---|
| Applications received | 753 |
| Mortgages made | 633 |
| Denied | 32 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.011 points |
| FDIC-insured bank | Yes: First Dakota National Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 454 | 6.490% | $275,000 | 3.4% |
| Refinancing | 111 | 6.800% | $285,000 | 3.5% |
| Cash-out refinancing | 35 | 6.375% | $275,000 | 10.3% |
| Other purposes | 33 | 7.800% | $65,000 | 19.1% |
Where First Dakota National Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Minnehaha County, SD | 190 | 6.500% | 1.6% |
| Lincoln County, SD | 84 | 6.500% | 2.3% |
| Yankton County, SD | 82 | 6.125% | 9.9% |
| Davison County, SD | 54 | 6.913% | 1.8% |
| Clay County, SD | 25 | 6.375% | 7.4% |
| Hughes County, SD | 24 | 6.433% | 11.1% |
| Bon Homme County, SD | 15 | 6.375% | 11.8% |
| Union County, SD | 15 | 6.375% | 16.7% |
| Brule County, SD | 12 | 6.938% | 7.1% |
| McCook County, SD | 12 | 6.813% | 14.3% |
| Hutchinson County, SD | 10 | 6.250% | 0.0% |
| Brookings County, SD | 7 | Under 10 loans | 0.0% |
| Woodbury County, IA | 6 | Under 10 loans | 0.0% |
| Charles Mix County, SD | 6 | Under 10 loans | 14.3% |
| Turner County, SD | 6 | Under 10 loans | 0.0% |
| Hanson County, SD | 5 | Under 10 loans | 0.0% |
| Pennington County, SD | 5 | Under 10 loans | 0.0% |
| Dickinson County, IA | 4 | Under 10 loans | 0.0% |
| Cedar County, NE | 4 | Under 10 loans | 0.0% |
| Douglas County, SD | 4 | Under 10 loans | 20.0% |
| Lyon County, IA | 3 | Under 10 loans | 0.0% |
| Dixon County, NE | 3 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 2 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Lyon County, MN | 2 | Under 10 loans | 0.0% |
| Rock County, MN | 2 | Under 10 loans | 0.0% |
| Knox County, NE | 2 | Under 10 loans | 0.0% |
| Brown County, SD | 2 | Under 10 loans | 0.0% |
| Deuel County, SD | 2 | Under 10 loans | 0.0% |
| Lawrence County, SD | 2 | Under 10 loans | 33.3% |
| Potter County, SD | 2 | Under 10 loans | 0.0% |
| Sanborn County, SD | 2 | Under 10 loans | 0.0% |
| Stanley County, SD | 2 | Under 10 loans | 0.0% |
| Lawrence County, TN | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Colbert County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Meade County, KS | 1 | Under 10 loans | 0.0% |
| Brown County, MN | 1 | Under 10 loans | 0.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Martin County, MN | 1 | Under 10 loans | 0.0% |
| Murray County, MN | 1 | Under 10 loans | 0.0% |
| Nobles County, MN | 1 | Under 10 loans | 0.0% |
| Polk County, MN | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.