The First National Bank in Sioux Falls: 2025 mortgage rates, costs & approvals
How The First National Bank in Sioux Falls priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The First National Bank in Sioux Falls · LEI Q107R4XFOZ6F6K73C488
In 2025, The First National Bank in Sioux Falls originated 97 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1872nd by volume among the 2,017 lenders profiled here.
It denied 0.0% of completed home-purchase applications (all lenders: 8.5%).
How The First National Bank in Sioux Falls priced home-purchase loans
| Purchase loans, 2025 | The First National Bank in Sioux Falls | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where The First National Bank in Sioux Falls lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| South Dakota | 94 | 96 | 0.0% | — | — |
| Minnesota | 3 | 3 | — | — | — |
| Iowa | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The First National Bank in Sioux Falls's page for that state.
Counties where The First National Bank in Sioux Falls is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Moody County, SD | 3 | 7 | 12.1% |
| Jerauld County, SD | 9 | 1 | 9.1% |
| Gregory County, SD | 15 | 1 | 3.7% |
| McCook County, SD | 18 | 2 | 2.2% |
| Lake County, SD | 13 | 3 | 2.0% |
| Minnehaha County, SD | 13 | 55 | 1.8% |
| Turner County, SD | 22 | 2 | 1.7% |
| Lincoln County, SD | 18 | 19 | 1.4% |
Check The First National Bank in Sioux Falls yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI Q107R4XFOZ6F6K73C488.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The First National Bank in Sioux Falls with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology