Applications / Mortgage Analytics / Lenders / South Dakota / First Savings Bank
Beresford, SD · Savings institution · OCC · $1.5 billion assets · 68 loans in 2025
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68
loans originated, 2025
93
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Savings Bank, based in Beresford, South Dakota, has New Mexico as its main lending state, and more than a third of its loans went to majority-minority neighborhoods.
Purchases made up 72.1% of its 68 loans. Manufactured homes made up 11.8%; the typical similar lender (savings institutions making between half and twice as many loans) made none. That may explain why its typical loan, $185,000, was lower than at about two-thirds of peers, whose typical loan was $245,000.
Majority-minority neighborhoods took 35.3% of its loans, against 7.0% at similar lenders, a higher share than at more than nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 32.4%, against 16.7%. Both shares have held near these levels since 2020.
It made 68 loans, down 13%, while similar lenders grew 2%. Its count has stayed between 68 and 78 since 2023, well below the 158 of 2022. The value of its lending rose, though, to $35.7 million from $20.5 million.
It lent in 8 states. It ranked highest in non-metro South Dakota, 40 of 239 lenders, and in non-metro New Mexico, 86 of 353. Elsewhere its shares were 0.1% or less.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Savings Bank took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.1% · Refinance 13.2% · Home improvement 7.4% · Other 7.4%
Conventional 100.0% · of 68 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Mexico | 24 | 35.3% |
| South Dakota | 14 | 20.6% |
| Nebraska | 11 | 16.2% |
| Texas | 10 | 14.7% |
| Nevada | 5 | 7.4% |
| Arizona | 2 | 2.9% |
| Iowa | 1 | 1.5% |
| Minnesota | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| El Paso | 10 |
| Omaha | 10 |
| Sioux Falls | 7 |
| Las Vegas-Henderson-North Las Vegas | 5 |
| Lake Havasu City-Kingman | 2 |
| Las Cruces | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PHRI1MCM69UM20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 67656 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48547 | 1996–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708547 | 2011–2017 |
Established 1 January 1989. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: First Savings Bank's data.
First Savings Bank's data
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