Beadle County, SD Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 271 mortgage applications in Beadle County, SD totaling $34.9 million, up 1% from 2012. The average application was for $128,000, and applicants reported an average income of $60,000. 43% of applications resulted in an originated loan and 15% were denied. The most active lender was First National Bank, with 39 applications, followed by US Bank, N.A. and Wells Fargo Bank NA.
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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 | 271 |
| Total Mortgage Loan Application Amount | $34,894,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $1,246,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $634,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 736,736,000 | 39 | $ 5,162,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 34 | $ 2,749,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 33 | $ 2,969,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 480,631,000 | 26 | $ 3,963,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 13 | $ 1,726,000 |
| Home Federal Bank P.O. BOX 5000 SIOUX FALLS, SD 57117 |
* | $ 1,215,738,000 | 10 | $ 1,049,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 9 | $ 1,372,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 747,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 5 | $ 762,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 5 | $ 571,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 5 | $ 697,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 671,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 5 | $ 515,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 579,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 4 | $ 534,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 4 | $ 731,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 946,494,000 | 4 | $ 2,015,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 537,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 354,250,000 | 3 | $ 280,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 426,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 323,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 213,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 400,605,000 | 2 | $ 200,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 412,260,000 | 2 | $ 238,000 |
| Meta Financial Group, Inc. 4900 S WESTERN AVENUE SIOUX FALLS, SD 57108 |
* | $ 1,761,275,000 | 2 | $ 287,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 2 | $ 230,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 190,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 381,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 176,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 64,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 813,087,000 | 1 | $ 87,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 126,140,000 | 1 | $ 115,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 191,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,214,003,000 | 1 | $ 120,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 680,405,000 | 1 | $ 100,000 |
| Performance Equity Partners, Inc. PO BOX 368 TINLEY PARK, IL 60477 |
* | $ 10,231,000 | 1 | $ 38,000 |
| Stearns Bank National Association 4191 2ND ST S ST. CLOUD, MN 56301 |
* | $ 1,389,261,000 | 1 | $ 600,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 191,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 177,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 196,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 65,000 |
| Quoin Financial Bank PO BOX 199 MILLER, SD 57362 |
* | $ 137,938,000 | 1 | $ 69,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 385,000 |
The tables below break down 2013 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 2013
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 139 | $15,864,000 | $114,000 | $600,000 | $40,000 | $247,000 |
| Refinancing | 113 | $17,904,000 | $158,000 | $1,246,000 | $81,000 | $634,000 |
| Home Improvement | 19 | $1,126,000 | $59,000 | $365,000 | $85,000 | $500,000 |
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 | 186 | $25,237,000 | $135,000 | $1,246,000 | $80,000 | $634,000 |
| Not applicable | 60 | $7,132,000 | $118,000 | $600,000 | $6,000 | $129,000 |
| Not Provided | 11 | $1,323,000 | $120,000 | $381,000 | $59,000 | $182,000 |
| Asian | 9 | $712,000 | $79,000 | $89,000 | $28,000 | $32,000 |
| Hispanic | 4 | $403,000 | $100,000 | $157,000 | $38,000 | $53,000 |
| American Indian or Alaskan Native | 1 | $87,000 | $87,000 | $87,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 159 | $22,154,000 | $139,000 | $600,000 | $79,000 | $500,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 66 | $7,072,000 | $107,000 | $1,246,000 | $24,000 | $634,000 |
| FHA-insured (Federal Housing Administration) | 38 | $4,783,000 | $125,000 | $276,000 | $45,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 8 | $885,000 | $110,000 | $150,000 | $49,000 | $91,000 |
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 | 116 | $16,401,000 | $141,000 | $1,246,000 | $78,000 | $634,000 |
| Loan Purchased By The Institution | 74 | $8,291,000 | $112,000 | $308,000 | $24,000 | $200,000 |
| Application Denied By Financial Institution | 42 | $4,600,000 | $109,000 | $365,000 | $67,000 | $500,000 |
| Application Withdrawn By Applicant | 21 | $2,773,000 | $132,000 | $288,000 | $61,000 | $247,000 |
| Application Approved But Not Accepted | 11 | $2,218,000 | $201,000 | $600,000 | $81,000 | $353,000 |
| File Closed For Incompleteness | 7 | $611,000 | $87,000 | $150,000 | $72,000 | $141,000 |
| 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 | 15 | $1,387,000 | $92,000 | $250,000 | $68,000 | $101,000 |
| Collateral | 8 | $1,104,000 | $138,000 | $365,000 | $102,000 | $500,000 |
| Debt-To-Income Ratio | 7 | $857,000 | $122,000 | $240,000 | $42,000 | $75,000 |
| Employment History | 3 | $299,000 | $99,000 | $123,000 | $66,000 | $171,000 |
| Credit Application Incomplete | 1 | $101,000 | $101,000 | $101,000 | $55,000 | $55,000 |
| Other | 1 | $29,000 | $29,000 | $29,000 | $56,000 | $56,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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