First National Bank of Omaha in South Dakota vs the state
19.2%Denial rate+6.40 pts vs state
24.7%Decision denial rate+8.93 pts vs state
57.5%Origination rate-8.59 pts vs state
6.88%Median rate+0.38 pts vs state
0.36Rate spread (pts)+0.17 pts vs state
$87kMedian applicant income
54Loans originated
18Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 314 | 223 | 11.8% | 6.75% | #21 |
| 2024 | 306 | 210 | 11.1% | 6.63% | #19 |
| 2025 | 94 | 54 | 19.2% | 6.88% | #56 |
What First National Bank of Omaha lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most First National Bank of Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yankton County | 40 | 26 | 8 | 20.0% |
| Davison County | 13 | 10 | 0 | 0.0% |
| Bon Homme County | 6 | 2 | 3 | 50.0% |
| Minnehaha County | 5 | 2 | 1 | 20.0% |
| Beadle County | 4 | 1 | 2 | 50.0% |
| Clay County | 4 | 1 | 0 | 0.0% |
| Pennington County | 3 | 3 | 0 | 0.0% |
| Brookings County | 3 | 1 | 1 | 33.3% |
| Hutchinson County | 3 | 1 | 1 | 33.3% |
| Sanborn County | 2 | 1 | 0 | 0.0% |
Other large lenders in South Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Plains Commerce Bank | B | 2,280 | 5.5% | 6.25% |
| First PREMIER Bank | C | 1,389 | 11.7% | 6.88% |
| First Bank & Trust | C | 1,320 | 11.2% | 6.63% |
| Black Hills Federal Credit Union | D | 1,223 | 23.0% | 7.75% |
| Rocket Mortgage | C | 1,027 | 16.9% | 6.75% |
| CMG Mortgage | A | 919 | 2.3% | 6.38% |
| Bankwest | F | 786 | 14.0% | 7.25% |
| First Dakota National Bank | A | 690 | 4.6% | 6.50% |
| Levo Federal Credit Union | B | 644 | 6.8% | 7.50% |
| U.S. Bank | D | 637 | 24.0% | 6.99% |
Frequently asked questions
South Dakota: 94 applications in 2025, of which 54 were originated and 18 denied.
19.2% of all applications, or 24.7% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans First National Bank of Omaha originated in South Dakota in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of Omaha's own HMDA filing for properties located in South Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology