Get the House Without the Headache

Buying a home can be an exciting time. The last thing you want is a lot of hassle, confusion and unexpected expense when it comes time to sign the mortgage. Whether you're buying a new home or refinancing an existing one, we have the pain-relieving financial solution for you.


    • Fast and easy
    • Establish your mortgage needs before shopping for a home
    • We’ll provide a written pre-qualification notice – an incentive to sellers when you make a purchase offer

We have four mortgage teams at First Bank & Trust – Brookings, Sioux Falls, Watertown and Vermillion. Choose which team you want to work with and begin the online application process today: 

Brookings and Vermillion Online Application

Sioux Falls and Watertown Online Application


The Institution ID Numbers for First Bank & Trust charters with the NMLS Registry are as follows:

  • First Bank & Trust, Brookings (includes: Milbank, Pipestone, Stockholm, Toronto, Vermillion & White) – 409296
  • First Bank & Trust, Sioux Falls (includes: Canton, Garretson, Madison & Watertown) – 196045

In order to better assist you, we will need to gather some information. Please fill out the information below and click the Start Chat button to talk to a Customer Service Representative.

Please note our chat support is available
Monday - Friday: 7:30 am - 6:00 pm
Saturday: 8:00 am - Noon

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