Applications / Mortgage Analytics / Lenders / South Dakota / The First National Bank in Sioux Falls
Sioux Falls, SD · National bank · OCC · $2.1 billion assets · 180 loans in 2025
The First National Bank in Sioux Falls's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
180
loans originated, 2025
207
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank in Sioux Falls is a top-dozen lender in its home market, though its share slipped in 2025.
It has lent in Sioux Falls since 1990 and ranks 11th of 204 lenders, with 2.0% of the market, down from 2.3%. Plains Commerce Bank leads. Its own loans fell 4% to 180, which may explain part of the slip, while similar lenders (national banks making between half and twice as many loans) grew 5%.
Its typical loan was $255,000, against $185,000 at peers, larger than at about seven in ten of them. Loans larger than the conforming limit (jumbo) made up 4.7%, against 2.0%. Purchases were 63.3% of its loans.
It made 696 loans in 2020 and 180 in 2025. The fall came mostly by 2023, when it made 182; the past three years have been flat.
Low- and moderate-income (LMI) borrowers took 21.9% of its loans, against 25.0% at peers. LMI neighborhoods took 14.4%, close to peers' 15.4% and up from 9.1% in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The First National Bank in Sioux Falls took 207 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.3% · Refinance 23.9% · Home improvement 7.8% · Other 5.0%
Conventional 100.0% · of 180 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 |
|---|---|---|
| South Dakota | 170 | 94.4% |
| Minnesota | 6 | 3.3% |
| Arizona | 2 | 1.1% |
| Iowa | 1 | 0.6% |
| North Dakota | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux Falls | 135 |
| Phoenix-Mesa-Chandler | 2 |
| Fargo | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Rapid City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | Q107R4XFOZ6F6K73C488 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 326858 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13393 | 1990–2017 |
Established 8 September 1885. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank in Sioux Falls's data.
The First National Bank in Sioux Falls's data
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The First National Bank in Sioux Falls and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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