Beadle County, SD Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 355 mortgage applications in Beadle County, SD totaling $35.8 million, up 5% from 2008. The average application was for $100,000, and applicants reported an average income of $73,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank, NA, with 121 applications, followed by First National Bank and First Nat'l Bank of S Dakota.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 355 |
| Total Mortgage Loan Application Amount | $35,761,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $804,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $645,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 121 | $ 12,670,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 624,834,000 | 35 | $ 2,191,000 |
| First Nat'l Bank of S Dakota 332 BROADWAY YANKTON, SD 57078 |
* | $ 475,209,000 | 27 | $ 2,245,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 20 | $ 2,245,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 17 | $ 1,907,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 9,901,044,000 | 12 | $ 2,185,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 11 | $ 1,200,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 9 | $ 287,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,172,207,000 | 8 | $ 838,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 369,650,000 | 8 | $ 1,252,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 7 | $ 697,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,585,164,000 | 6 | $ 664,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 953,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 854,438,000 | 5 | $ 257,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 4 | $ 337,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 316,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 4 | $ 419,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 172,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 328,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 103,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 236,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 2 | $ 512,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 2 | $ 289,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 110,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 542,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 110,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 2 | $ 165,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 32,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 740,031,000 | 1 | $ 70,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 1 | $ 25,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 45,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 56,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 714,132,000 | 1 | $ 35,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 20,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 47,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 78,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 136,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 30,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 943,441,000 | 1 | $ 121,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,535,535,000 | 1 | $ 304,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 1 | $ 152,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 142,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 18,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 718,213,000 | 1 | $ 156,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,159,455,000 | 1 | $ 153,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 47,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 89,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 112,000 |
The tables below break down 2009 mortgage applications in Beadle County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beadle County, SD in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 197 | $22,550,000 | $114,000 | $804,000 | $86,000 | $645,000 |
| Home Purchase | 124 | $12,323,000 | $99,000 | $417,000 | $59,000 | $275,000 |
| Home Improvement | 34 | $888,000 | $26,000 | $147,000 | $45,000 | $126,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 291 | $30,378,000 | $104,000 | $804,000 | $76,000 | $645,000 |
| Not applicable | 34 | $3,124,000 | $91,000 | $165,000 | $58,000 | $157,000 |
| Not Provided | 16 | $1,568,000 | $98,000 | $352,000 | $66,000 | $128,000 |
| Hispanic | 8 | $411,000 | $51,000 | $75,000 | $39,000 | $63,000 |
| Black or African American | 3 | $19,000 | $6,000 | $7,000 | $39,000 | $47,000 |
| American Indian or Alaskan Native | 2 | $123,000 | $61,000 | $78,000 | $27,000 | $35,000 |
| Asian | 1 | $138,000 | $138,000 | $138,000 | $57,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 255 | $26,122,000 | $102,000 | $804,000 | $82,000 | $645,000 |
| FHA-insured (Federal Housing Administration) | 69 | $7,085,000 | $102,000 | $259,000 | $54,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,330,000 | $70,000 | $184,000 | $29,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,224,000 | $102,000 | $150,000 | $42,000 | $105,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 199 | $21,572,000 | $108,000 | $804,000 | $84,000 | $645,000 |
| Application Denied By Financial Institution | 56 | $4,312,000 | $77,000 | $352,000 | $50,000 | $200,000 |
| Loan Purchased By The Institution | 45 | $4,233,000 | $94,000 | $165,000 | $55,000 | $157,000 |
| Application Withdrawn By Applicant | 30 | $3,383,000 | $112,000 | $400,000 | $75,000 | $275,000 |
| File Closed For Incompleteness | 14 | $1,067,000 | $76,000 | $340,000 | $59,000 | $164,000 |
| Application Approved But Not Accepted | 11 | $1,194,000 | $108,000 | $200,000 | $61,000 | $124,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 22 | $999,000 | $45,000 | $117,000 | $41,000 | $83,000 |
| Debt-To-Income Ratio | 10 | $861,000 | $86,000 | $352,000 | $44,000 | $95,000 |
| Collateral | 10 | $1,132,000 | $113,000 | $291,000 | $58,000 | $153,000 |
| Other | 4 | $392,000 | $98,000 | $186,000 | $84,000 | $200,000 |
| Credit Application Incomplete | 2 | $255,000 | $127,000 | $210,000 | $40,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $56,000 | $56,000 | $56,000 | $62,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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