First PREMIER Bank
First PREMIER Bank received 1,511 applications in 2025 and made 977 mortgages, in 111 counties across 27 states. The median rate its borrowers got was 6.875% on a median loan of $195,000. Of 1,242 decisions, 234 were denials — 18.8%, most often for credit history.
| Legal Entity Identifier | 549300Z77WUYJM3QG591 |
|---|---|
| Applications received | 1,511 |
| Mortgages made | 977 |
| Denied | 234 |
| Approved, not taken up | 31 |
| Withdrawn or incomplete | 269 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1645 points |
| FDIC-insured bank | Yes: First PREMIER Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 505 | 6.375% | $275,000 | 18.3% |
| Refinancing | 204 | 7.250% | $130,000 | 16.0% |
| Cash-out refinancing | 43 | 6.375% | $215,000 | 50.0% |
| Other purposes | 225 | 7.500% | $65,000 | 12.8% |
Where First PREMIER 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 | 470 | 6.875% | 15.7% |
| Lincoln County, SD | 183 | 6.750% | 7.4% |
| Codington County, SD | 87 | 7.190% | 5.4% |
| Lake County, SD | 48 | 6.913% | 11.1% |
| Hamlin County, SD | 29 | 7.000% | 12.8% |
| Moody County, SD | 16 | 6.688% | 11.1% |
| Turner County, SD | 13 | 7.125% | 11.8% |
| Brookings County, SD | 12 | 6.500% | 7.7% |
| Clay County, SD | 10 | 7.300% | 33.3% |
| McCook County, SD | 8 | Under 10 loans | 33.3% |
| Rock County, MN | 7 | Under 10 loans | 30.0% |
| Davison County, SD | 7 | Under 10 loans | 22.2% |
| Kingsbury County, SD | 7 | Under 10 loans | 22.2% |
| Union County, SD | 7 | Under 10 loans | 41.7% |
| Beadle County, SD | 6 | Under 10 loans | 14.3% |
| Deuel County, SD | 6 | Under 10 loans | 33.3% |
| Woodbury County, IA | 5 | Under 10 loans | 0.0% |
| Clark County, SD | 5 | Under 10 loans | 0.0% |
| Day County, SD | 4 | Under 10 loans | 0.0% |
| Pennington County, SD | 4 | Under 10 loans | 20.0% |
| Dickinson County, IA | 3 | Under 10 loans | 0.0% |
| Lyon County, IA | 3 | Under 10 loans | 0.0% |
| Miner County, SD | 3 | Under 10 loans | 25.0% |
| Roberts County, SD | 3 | Under 10 loans | 0.0% |
| Yankton County, SD | 3 | Under 10 loans | 40.0% |
| Pinal County, AZ | 2 | Under 10 loans | 0.0% |
| O'Brien County, IA | 2 | Under 10 loans | 50.0% |
| Sioux County, IA | 2 | Under 10 loans | 50.0% |
| Bon Homme County, SD | 2 | Under 10 loans | 0.0% |
| Grant County, SD | 2 | Under 10 loans | 60.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Cherokee County, IA | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Osceola County, IA | 1 | Under 10 loans | 50.0% |
| Lincoln County, MN | 1 | Under 10 loans | 0.0% |
| Murray County, MN | 1 | Under 10 loans | 0.0% |
| Nobles County, MN | 1 | Under 10 loans | 33.3% |
| Pipestone County, MN | 1 | Under 10 loans | 66.7% |
| Yellow Medicine County, MN | 1 | Under 10 loans | 50.0% |
| Holt County, NE | 1 | Under 10 loans | 66.7% |
| Sarpy County, NE | 1 | Under 10 loans | 0.0% |
| Brown County, SD | 1 | Under 10 loans | 50.0% |
| Hanson County, SD | 1 | Under 10 loans | 0.0% |
| Hutchinson County, SD | 1 | Under 10 loans | 50.0% |
| Lawrence County, SD | 1 | Under 10 loans | 0.0% |
| Lyman County, SD | 1 | Under 10 loans | 50.0% |
| Sanborn County, SD | 1 | Under 10 loans | 0.0% |
| Spink County, SD | 1 | Under 10 loans | 66.7% |
| Cullman County, AL | 0 | Under 10 loans | 100.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
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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.